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Companies

RAI Partners

Credit card programs for credit unions and community banks

Raised to date

$2M

of $15M offered across 1 Form D filing

Still open
$13M
Investors
1
Last filed
Apr 22, 2026

About

RAI Partners is a San Antonio, Texas fintech and registered Credit Union Service Organization (CUSO) that builds, launches, and manages consumer credit products for credit unions and community banks. Its platform covers branded credit cards, installment loans, and structured lending vehicles, using proprietary data sets and machine learning to underwrite across a wider credit spectrum than its clients typically serve. RAI also acquires card portfolios and provides receivables financing lines in which it assumes the credit risk. The company was founded around 2021-2022 by CEO Ed Preuss, says its platform reaches a network of over 2,000 credit unions and more than 200,000 members, and has partnered with Velera (formerly PSCU/Co-op Solutions) and PenFed Credit Union.

RAI lets a credit union stand up a branded credit card or lending program in weeks rather than years, covers applicants its client would otherwise decline through a second-look program, and does so while leaving the member relationship and member data with the credit union rather than with the fintech.

Funding

  • EquityFiled Apr 22, 2026Form D
    $2M/ $15M

Product

RAI Partners credit card platform

Card issuing and lending platform

An all-in-one white-label platform for credit unions and community banks to build, launch, and manage branded credit card programs across the full credit spectrum, including underwriting, servicing, and the financing behind the receivables.

  • White-label branded credit card programs
  • Second-look acceptance program for applicants the client declines
  • Receivables financing lines with credit risk assumed by RAI

Built for

Credit unions and community banks in the United States seeking to grow loan and card income and deepen member engagement

People on file