---
title: Lending FAQ
slug: concepts/lending/lending-faq
description: Discover Cross River's lending platform, designed for marketplace lenders, detailing the loan process from application to funding, seasoning, and daily servicing requirements.
docTags: 
createdAt: 2025-10-22T13:01:45.937Z
---

## Lending – Frequently Asked Questions

This section answers common questions about the Lending capabilities available through Cross River’s platform: origination, funding, seasoning, sale, servicing, and more.

## Product overview

**What does Cross River Lending support?**
The platform enables marketplace lenders (MPLs) to submit applications, fund loans across multiple rails, manage loan seasoning, sell or retain the loan, and exchange servicing data. 

## Loan process

**What are the main stages in the loan process?**
The stages include:

- Application & pre-approval 
- Loan creation and document upload 
- Compliance review 
- Funding via multiple rails (ACH, same-day ACH, RTP, FedNow, wire, card push) 
- Seasoning, sale or retention 
- Daily servicing data exchange 

**Can I fund a loan via different rails and fallback options?**
Yes, the funding engine supports multiple funding rails and you may configure primary and fallback rails as part of loan funding logic. 

## Loan seasoning, sale or retention

**What is loan seasoning and why does it matter?**
After funding, every loan enters a seasoning period (typically configured by the program) before it is sold or retained. This enables various warehousing durations (e.g., 30 – 120 days) to fit with your capital needs.

**What are my options for sale or retention of the loan?**
Post-seasoning you may choose to:

- Purchase the loan (or have an investor purchase it) 
- Have Cross River retain the loan on its balance sheet 

## Servicing and data exchange

**What servicing data must be exchanged and how often?**
MPLs submit daily servicing data, including principal/interest breakdowns, next payment date, and delinquency status via SFTP to Cross River. 



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For more information, please visit our [lending](docId:_wM-MYSb5fOcETpU-miNT) pages.
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