CardWorks Servicing, LLC specializes in providing comprehensive operational servicing functions for credit cards, secured cards, and installment loans. The company caters to both consumer and small business loans across the credit spectrum, offering backup servicing and due diligence services to capital providers and trustees. Operating in the financial services market, CardWorks is a leading credit and payments company that emphasizes a people-centric and compliance-focused approach, enabled by advanced data and technology solutions.

CardWorks' business model includes direct lending to consumers, providing servicing solutions to banks and non-bank lenders, and offering payment processing solutions for Independent Sales Organizations (ISOs) and merchants. The company generates revenue through interest on loans, servicing fees, and transaction fees from payment processing.

Additionally, CardWorks owns Dataline Systems, LLC, which enhances its capabilities in business process outsourcing and operational support for financial services. Merrick Bank, a wholly-owned subsidiary, operates three main business lines: credit cards, recreation lending, and merchant acquiring, further diversifying CardWorks' service offerings.

CardWorks is committed to empowering underserved consumers to achieve their credit goals while fostering a supportive and growth-oriented workplace for its employees.

Keywords: credit cards, secured cards, installment loans, consumer loans, small business loans, backup servicing, due diligence, payment processing, business process outsourcing, financial services.