Participate: The Patented Loan Sales Ecosystem Transforming How Financial Institutions Move Capital

Participate is redefining loan sales for banks, credit unions, farm credits, and specialty lenders. As the first and only patented, end-to-end automated loan sales ecosystem, Participate combines execution, network, and lifetime post-sale servicing—enabling institutions to move capital faster, manage risk with confidence, and unlock new revenue opportunities.

Trusted by more than 800 financial institutions across 48 states, Participate currently has $13B+ in loans added to the platform.

Why a Loan Sales Ecosystem?

Traditional loan participations and syndications often rely on spreadsheets, emails, and manual reconciliations—processes that slow down execution and increase risk. Participate eliminates that friction with:

• Automation: Publish loan opportunities in minutes. Automate NDAs, agreements, servicing, funding, disbursements, interest adjustments, notifications, and reporting.
• Network: Engage your own partners or tap into the largest automated loan sales network in the U.S.—with more than 1,000 potential buyers and sellers.
• Post-Sale Servicing: Maintain a single, real-time source of truth with shared balances, audit-ready transaction detail, and secure document exchange.

Built for Your Tech Stack

Participate integrates seamlessly with leading core and loan origination systems (LOS), including nCino, Fiserv, and FIS. With API connectivity and secure data exchange, institutions see rapid time-to-value without duplicate entry or swivel-chair operations.

Proof That Matters

• Patented Technology: U.S. Patent Nos. 10,963,957; 11,521,265; 11,875,402; 12,236,481.
• Scale: Over $13B+ in loans added to the platform; trusted by 800+ institutions.
• Security: SOC 2 Type II certified.
• Coverage: 48-state reach—the broadest automated footprint in loan sales.

Benefits from Day One

Institutions using Participate report immediate impact:

• Freeing up loan operations capacity without hiring.
• Closing loans weeks faster.
• Diversifying risk concentrations.
• Generating durable fee income.
• Reducing reconciliation headaches and reputational risk.

Leadership Perspective

“Our mission is simple—make loan sales as fast and seamless as payments,” said Matt Johnner, Co-Founder & President of Participate. “By unifying execution, a nationwide network, and lifetime servicing in one ecosystem, we give financial institutions the control and agility they need to scale.”

Mike Montgomery, Co-Founder & CEO, added: “Participate is the first and only patented loan sales ecosystem. Institutions can finally move capital on demand, manage risk in real time, and build fee income with confidence.”

About Participate

Founded in 2016 and spun out of BankLabs, Participate is backed by FINTOP Capital and JAM FINTOP BankTech. Today, the platform powers the future of loan sales for banks, credit unions, farm credits, and specialty lenders nationwide. Learn more at ParticipateLoan.com.

Trademarks & Endorsement Notice FIS, Fiserv, and nCino are trademarks of their respective owners. This release is not an endorsement of Participate by any of these companies.