webberk originates and services a comprehensive suite of consumer and commercial credit products on behalf of platform partners — delivering institutional-grade underwriting, compliance infrastructure, and lifecycle management so your business can launch financial offerings with confidence and scale.
Deep-dive specifications for each product category — including eligible borrower profiles, typical loan sizes, regulatory requirements, and partnership pathways.
Primary Segment
W-2 employed individuals with 620+ FICO
Secondary Segment
Self-employed borrowers with 24-month income documentation
Credit Depth
Minimum 2 years credit history; thin-file programs available
DTI Threshold
Up to 45{66347e4dc7cd4fd8ebfb03bb0878dd521a50672408e23ae9f3fbefbb99714215} debt-to-income ratio accepted
Residency
US citizens and permanent residents; ITIN-holder programs available
Minimum Loan Amount
$1,000
Maximum Loan Amount
$50,000
Typical Disbursement
$5,000 – $20,000
Term Range
12 to 84 months
APR Range
6.99{66347e4dc7cd4fd8ebfb03bb0878dd521a50672408e23ae9f3fbefbb99714215} – 29.99{66347e4dc7cd4fd8ebfb03bb0878dd521a50672408e23ae9f3fbefbb99714215} (risk-tiered)
Origination Fee
0{66347e4dc7cd4fd8ebfb03bb0878dd521a50672408e23ae9f3fbefbb99714215} – 5{66347e4dc7cd4fd8ebfb03bb0878dd521a50672408e23ae9f3fbefbb99714215} of loan amount
Primary Regulation
Truth in Lending Act (TILA / Reg Z)
Fair Lending
Equal Credit Opportunity Act (ECOA) compliance required
State Licensing
Lending licenses required in all 50 states
Data Privacy
Gramm-Leach-Bliley Act (GLBA) privacy obligations
Reporting
All loans reported to major CRAs; FCRA compliance mandatory
Partner with Us
Partner with webberk to offer competitive consumer installment loans under a co-branded or white-label program — with full regulatory support and servicing infrastructure.
All rates, terms, and eligibility criteria are subject to credit approval and may vary based on applicant profile, program terms, and prevailing market conditions. webberk operates lending and deposit programs through its federally chartered banking subsidiary. Not an offer or commitment to lend.
webberk's infrastructure is purpose-built for regulated lending — combining robust API tooling, automated compliance workflows, and institutional-grade disbursement rails so your program scales without legal risk.
Instant credit decisions powered by our decisioning engine, integrating bureau data, cash-flow analytics, and custom rule sets.
Compliant disclosure packages generated and delivered automatically at every regulatory touchpoint, reducing legal exposure.
Same-day ACH and domestic/international wire capabilities, with full reconciliation feeds and audit trails.
Multi-layer fraud scoring via device fingerprinting, behavioral biometrics, and third-party consortium data.
Licensed compliance officers and regulatory counsel assigned to your program, monitoring evolving state and federal requirements.
Immutable, timestamped records of every transaction, decision, and document — ready for examiner requests.
Loan Origination Flow
Banking built for the digital economy. Empowering businesses and individuals with modern, compliant financial infrastructure.
© 2026 webberk. All rights reserved.
webberk is a financial technology company, not a chartered bank. Banking services are provided by partner FDIC-insured institutions. Deposits are insured up to $250,000 per depositor per institution. webberk is an Equal Housing Lender. All loans subject to credit approval and applicable regulations.