Four in five institutions can’t open a business account online. You can.
Business deposits, business lending and business identity in one platform — on the core you already run, in one implementation.
What runs in one flow.
Business deposit accounts
Checking, savings and money market for sole proprietors, LLCs, corporations, partnerships and non-profits, with out-of-the-box templates for each corporate structure and multi-signer support.
Only 17% of institutions offer digital account opening for businesses, while 78% of business accounts are already active in digital banking.Cornerstone Advisors & Alkami · May 2026
Business lending
Commercial and small business loans, business lines of credit and business credit cards — with automated document collection, business income verification and SBA-ready workflows, on the same platform and the same implementation as deposits.
Only 20% of institutions offer online business loan origination.Cornerstone Advisors & Alkami · May 2026
Business identity, built in
Secretary of State validation confirms entity registration and standing across all 50 states. Beneficial ownership is collected and verified under FinCEN CDD rather than chased on paper. Watchlist screening, customer due diligence and enhanced due diligence run in the flow, and a business fraud score is scored separately from your consumer rules, because a business application is not a consumer application with extra fields.
Secretary of State validation across all 50 states, with beneficial ownership verified under FinCEN CDD.In production · September 2026
“With Cotribute, we have the flexibility to select the capabilities we currently need, as well as the ability to adjust and configure the system to adapt to market changes.”
Questions we get
Do we need a separate implementation for business?
No. Business deposits and business lending configure on the same platform and the same core connection as consumer. That is the practical difference between turning business on and running a second vendor selection.
How is beneficial ownership handled?
Collected in the application under FinCEN customer due diligence rules, with each owner verified rather than simply recorded, and watchlist screening applied. The audit trail supports the file your examiner will ask for.
Our business volume is small. Is it worth turning on?
78% of business accounts are already active in digital banking while only 17% of institutions can open one online. The volume is not small because demand is small; it is small because the front door is closed.
Can Cotribute open business deposit accounts online?
Yes, on the same platform and implementation as consumer. This remains rare: only about 17% of institutions offer digital account opening for businesses, while 78% of business accounts are already active in digital banking. Turning it on is a configuration rather than a second vendor selection.
Does business lending run on the same platform?
Yes. Business deposits and business lending share one platform, one implementation and one record. Only about 20% of institutions offer online business loan origination today, so covering both sides is where the gap in the market actually sits.
How is a business applicant verified?
Secretary of State validation across all fifty states, beneficial ownership verified under FinCEN customer due diligence requirements, and a business fraud score calculated separately from your consumer rules — all inside the same application flow rather than as a manual back-office step.