FinWise Bancorp is a Utah-based bank holding company that operates FinWise Bank, a state-chartered bank offering commercial and retail banking products and services to consumers and businesses. The Bank's primary revenue comes from loan origination across traditional lending categories such as SBA 7(a) loans and commercial real estate, as well as through partnerships with fintech platforms that originate consumer and business loans nationwide, complemented by payments solutions including payment servicing and bank sponsorship products. The Bank funds its lending activities through deposits gathered from a local branch, nationwide fintech partners, institutional exchanges, and brokered sources, while generating revenue from interest income on loans, fees from loan originations and servicing, gains on loan sales, and credit enhancement income from third-party guarantees on certain retained loans.