Linker Finance, a modular platform purpose-built for community banks, announced it has secured an additional $5 million in Seed funding, bringing its total seed funding to $8.7 million following its previously announced $3.7 million round. The financing includes continued participation from existing investors Chingona Ventures, Ten One Ten Ventures, Audaz Capital, and Angeles Investors, alongside a new strategic investment from 22nd State Banking Company.
The investment reflects Linker Finance’s continued growth, with the company now live with more than 10 customers across multiple cores, including Fiserv Premier, CSI, FIS, and soon DCI. Linker’s turnkey and best-of-breed approach has enabled community banks to launch faster, expand capabilities, and go live with customers in as little as eight weeks, transforming implementations that once took years into a faster, more scalable path to market. The platform helps institutions grow deposits, launch digital account opening and digital banking experiences, streamline business onboarding, expand business banking capabilities, and deliver fully branded mobile and online experiences for retail and commercial customers.
The new funding will support Linker Finance’s continued product development across retail banking, business onboarding, and business banking, while accelerating investment in its proprietary Agentic AI Customer Intelligence layer and expanding its multi-rail payments infrastructure, including cross-border and stablecoin-enabled capabilities. The company is also introducing Grandir, an emerging Agentic AI layer built for the workflows and guardrails that community banks require, designed to help banks better understand customer needs, identify growth opportunities, reduce manual work, and support relationship-driven banking at scale, currently being piloted with existing customers.
KEY QUOTES:
“Community banks’ growth has historically been limited by fragmentation, legacy infrastructure and access to specialized digital growth know-how, resulting in subpar customer experiences, complex operations and multi-year timelines.”
“Over the last two years, we have proven that with the right product, technology and playbooks, community banks can consistently and predictably grow their balance sheet using Linker. This round gives us additional fuel to keep building the growth engine community banks need.”
Jorge Garcia, CEO and Co-Founder, Linker Finance
“Community banks carry an outsized share of the country’s most important lending, built through real relationships. Linker Finance gives them technology that matches that trust.”
“Jorge and his team have continued to impress us with their execution since we originally invested. In addition, having a bank like 22nd State Banking Company join this round is the clearest validation there is. The people closest to the problem are betting on the solution.”
Samara Mejia Hernandez, Founding Partner, Chingona Ventures
“Delivering modern digital experiences while preserving trust and relationship-driven service is one of the biggest challenges we face as community bankers.”
“Linker Finance gives community banks the growth engine they need to compete at scale, expand beyond geography, and deliver modern relationship banking without losing what makes them trusted.”
Steve Smith, Vice Chairman, President and CEO, 22nd State Banking Company
