When a lender approves a borrower, there's still a gap before that capital is usable. Waiting for ACH to clear. Waiting for funds to land. That friction costs lenders conversions and leaves borrowers without access to the capital they've already been approved for.

Cards close that gap. With a virtual card issued at the point of approval, credit is immediately spendable, no clearing window, no delay.

Join Fundbox and Lithic on July 21 to hear how card rails are reshaping lending distribution: the use cases live in production today, the infrastructure that makes it possible, and how Fundbox went from contract signing to live Mastercard transactions in 7 weeks.

You'll walk away understanding:

- Why approval-to-spend friction is a distribution problem, and why cards solve it
- What lenders actually need to go live: authorization controls, 24/7 settlement, direct network connections
- How to think about the full partner stack: underwriting, card issuing, and network access
- What a real build looks like, from contract to live transactions

### Speakers

**Sarvesh Baveja**  
Chief Risk Officer  
Fundbox  
[LinkedIn](https://www.linkedin.com/in/sbaveja/)

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**Declan Callisto**  
Senior Product Manager  
Lithic  
[LinkedIn](https://www.linkedin.com/in/declan-callisto/)

**Claire Jacobs**  
Senior Product Marketing Manager  
Lithic

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