Finwise Bancorp has released a presentation outlining its differentiated business model and growth strategy. The company provides banking and payment solutions to fintechs, featuring a model with a focus on compliance, risk management, and a lower risk loan portfolio. As of the third quarter of 2025, 40% of its portfolio consists of SBA Guaranteed and Strategic Program loans, with many loans held for less than one week and supported by cash collateral. Finwise Bancorp reports being well-capitalized and highlights its experienced management team. The presentation details the company's fintech banking and payments solutions, including Strategic Program Lending, which leverages API-driven infrastructure and targets consumers and small to medium-sized businesses via fintech platforms. The balance sheet strategy primarily involves originating loans to sell, and programs require reserve deposit accounts to mitigate risk. As of September 30, 2025, strategic platform loans on the balance sheet totaled $219.7 million, with a significant portion held for sale. Gain on sale and program fees contributed $6.4 million, or 35.7% of non-interest income for the third quarter. Finwise Bancorp's growth strategy aims to expand and diversify revenue sources, optimize deposit composition, improve credit quality, and enhance profitability through lower funding costs and outsourced solutions. The company also notes that payments and BIN sponsorship products are expected to drive growth in the coming years. You can access the full presentation through the link below.