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Cross River - From Start Up to Scale Cho

From start up to scale:

Choosing BaaS partners that grow with you

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Your BaaS partner today will define your growth ceiling tomorrow

Early partnership decisions create structural limitations that surface years later. Many fintechs hit growth ceilings not from lack of vision, but because their partners can't evolve with them.


The right partner helps unlock capital markets access, enables product expansion, and co-innovates through market volatility. Learn how to evaluate partners who grow with you.

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What you'll learn:

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The three growth stages framework:

Understand where partnerships typically break and what capabilities you need at launch, scale, and leadership stages to avoid costly transitions.

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Evolution partner evaluation checklist:

 Assessment criteria across technology, capital commitment, regulatory expertise, and partnership philosophy – plus red flags that signal your partner won't scale.

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Real growth stories:

Case study on how Best Egg scaled from startup to over $30 billion in loans with one banking partner, and when building vs. partnering makes strategic sense.

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