What's stopping business applications from getting funded.
Beneficial owners, entity documents and KYB, handled in one flow. Live on your core in weeks.
Commercial applications stall because the work is heavier than retail: multiple beneficial owners, entity documents, Secretary of State checks and a manual review queue. Most banks still run this on PDFs and DocuSign. Linker digitizes the whole flow, KYB, owner-by-owner KYC and core booking, so business deposits actually land.
What breaks in commercial onboarding?
Business account opening is where community banks hold the highest-value deposits, and where the process is least digital. These are the failure points we see.
Beneficial owners handled one at a time, by email
Collecting identity for each owner over email adds days, and one unresponsive owner freezes the entire application.
Entity documents arrive as loose attachments
Formation documents, operating agreements and EIN letters come in unlabeled, and staff classify and rekey them by hand.
Manual review is measured in days, not minutes
In one program, 39 applications sat pending against 13 approved. A business owner will not wait through that.
How Linker gets business applications funded
One bank-branded flow that handles the entity, every beneficial owner and the core booking, configurable by your own staff.
Native business account opening
Not a consumer flow with extra fields. Entity types, ownership structure and business-specific requirements are first-class.
Beneficial-owner KYC in the same flow
Each owner verifies via a QR code on their phone, video selfie liveness plus address verification, without an email chain.
One failed owner no longer deadlocks the file
The application keeps moving while the exception is worked, instead of collapsing at the first verification failure.
KYB and entity checks automated with Sardine
BSA/AML, sanctions and Secretary of State checks with behavioral fraud signals. Auto-decline for high risk, a review queue for the rest, logged overrides and 5-year retention.
AI document capture for entity paperwork
OCR and a dynamic Document Recognizer classify formation documents and extract fields, with batch upload for multi-document packages.
Off-ramp instead of a hard block
A missing document no longer ends the application. The applicant continues and an automated 1-day reminder journey brings them back.
Booked into the core automatically
API automation writes the entity and its owners into the core, removing the manual rekeying entirely.
No-code control of the flow
Your operations team edits business forms and requirements in the admin UI inside Linker's Customer Intelligence, no developer ticket.
Commercial funnel analytics
Session replay and step-level reporting from campaign click to funded business account, with deposit value attached.
What has this produced at real banks?
Linker vs. how business accounts get opened today
| What you compare | Linker | Manual / PDF onboarding | Bolted-on vendor |
|---|---|---|---|
| Business flow | Native business account opening with entity and ownership modeling | PDF forms and DocuSign | Consumer flow with extra fields bolted on |
| Beneficial owners | In-flow KYC per owner by QR code, with liveness | Email chain, one owner at a time | Partially digital, still manual follow-up |
| KYB and entity checks | Automated with Sardine, decisions and overrides logged | Analyst runs each check by hand | Separate vendor console |
| Core booking | API automation, real-time, core-agnostic | 15 to 45 minutes of rekeying per customer | Batch files or partial write-back |
| Time to production | 2 to 4 weeks for API; core integration live in 8 weeks | No project, the friction stays | Typically 12 to 16 months |
| Funnel visibility | Step-level analytics with session replay, tied to funded deposits | None | Application counts only |
Questions commercial teams ask us
Do you support multiple beneficial owners?
Yes. Each beneficial owner completes identity verification through a QR code on their own phone, with video selfie liveness and address verification, inside the same application rather than over email.
What happens if one owner fails verification?
The application is not deadlocked by a single participant. Work continues while the exception is reviewed, which is the same principle we apply to joint retail accounts.
How is KYB handled?
Sardine runs BSA/AML, sanctions and Secretary of State checks alongside behavioral fraud detection. High-risk cases auto-decline, the rest go to a manual review queue, and every override is logged with 5-year retention.
Which cores do you integrate with?
Linker is core-agnostic. We are a Fiserv Premier Partner with production keys issued in 30 days at no cost, and we are live on CSI with zero-to-production in 8 weeks. FIS and DCI are in development; Jack Henry and COCC are on the roadmap.
How long does it take to go live?
Initial API integration takes 2 to 4 weeks and core integration has gone live in as little as 8 weeks. It is an iterative, workshop-based rollout, not a 10 to 18 month digital transformation.
Can our team change business forms without engineering?
Yes. The no-code admin UI inside Linker's Customer Intelligence lets non-technical staff edit business onboarding forms and requirements directly.
Are you SOC 2 and PCI compliant?
Yes. Linker is SOC 2 and PCI compliant, with logged decisioning, override records and 5-year retention exportable to CenterDoc.
What support do we get after go-live?
Our "From Live to Happy" model continues past launch, working against your commercial deposit growth goals rather than closing out at delivery.
Get business deposits
opened and funded.
30 minutes with the team that builds it. Bring your current commercial flow and we will show you exactly where it stalls and what the fixed version looks like on your core.