LendKey is a financial technology company that specializes in providing digital lending solutions for banks and credit unions. The company operates in the online lending market, focusing on helping financial institutions grow their business by acquiring new customers and optimizing their loan portfolios. LendKey offers a range of loan products, including private student loans, student loan refinancing, and home improvement loans.

LendKey's primary clients are banks and credit unions looking to enhance their digital lending capabilities. By partnering with these institutions, LendKey delivers the technology, servicing, and support needed to create and manage consumer loan products under the institution's brand. This allows banks and credit unions to offer competitive loan products without having to develop the infrastructure themselves.

The business model of LendKey revolves around providing a comprehensive suite of services that includes consumer marketing support, data analytics, and regulatory compliance. These services help financial institutions build strong digital lending programs, diversify their loan portfolios, and increase returns. LendKey also offers liquidity management solutions, enabling institutions to buy loan participations, retain loans on their balance sheets, or sell whole or fractional loans in real-time.

LendKey makes money by charging fees for its technology platform and services. These fees are typically based on the volume of loans processed through the platform, as well as additional services such as marketing support and compliance management. By offering these services, LendKey helps its clients build lifelong relationships with borrowers, particularly targeting Millennials and Gen Z, who are at their peak earning years and have significant borrowing needs.

In summary, LendKey is a fintech company that empowers banks and credit unions to offer digital lending solutions, optimize their loan portfolios, and build strong consumer relationships. The company provides the necessary technology, support, and compliance services to help financial institutions succeed in the competitive online lending market.

Keywords: digital lending, fintech, banks, credit unions, student loans, loan refinancing, home improvement loans, portfolio optimization, liquidity management, compliance services.