The Credit Union Lending Exchange (CULE) provides a fast and efficient entry point for credit unions to digitize the lending experience. The automated distribution channel allows credit unions to expand their reach to digital natives, win on price and lead with innovation.

CULE is a Credit Union Service Organization, owned and operated by and for credit unions, designed to leverage the inherent strengths of the credit union industry, promote your credit union’s brand, and improve your risk performance and management.


CULE Is A Digital Lending Platform Designed For Credit Unions By Experienced CU Executives & FinTech Entrepreneurs

CULE’s full-stack lending technology offers the latest innovations and features from online lending:


Lead Generation

Cost effective customer acquisition campaigns via digital channels.


Risk & Underwriting

Automated underwriting processes and configurable scorecard & risk model integration.



Streamlined, automated, and efficient loan application and management system.


Data Analytics

Real-time portfolio/pipeline monitoring to provide performance insights.


Customer Service

High-touch customer experience to increase conversion rates & improve Net Promoter Score.


B/S Liquidity

Strategies to help financial institutions diversify balance sheet risk.

The CULE Leadership Team


Michael Taormina


Mike was most recently the co-founder and CFO of CommonBond, a marketplace lending platform for student loans. Prior to CommonBond, Mike was a Vice President at J.P. Morgan Asset Management, where advised high-net-worth investors on opportunistic trading as part of the GIO Group and was a direct report to the CIO, focusing on investment strategy. He is also the former President of JDRF Young Leadership Committee of NYC, a Type I diabetes charity. Mike graduated summa cum laude with a B.S. from Georgetown University and graduated with honors with an MBA from The Wharton School of the University of Pennsylvania.


Sumeet Gupta


Sumeet was most recently the co-founder of MW Eaglewood Europe, an asset management firm focused on marketplace lending. At Eaglewood, Sumeet launched P2P Global Investments, a publicly traded vehicle on the London Stock Exchange that purchases loans originated through marketplace lending platforms across the globe. Prior to that, Sumeet worked at Liberum Capital, a boutique investment bank, where he was an Alternative Investments Analyst and a Pan-European equities trader. Sumeet graduated with a B.S. in Mechanical Engineering from RIT and with an MBA from Fordham University.


John Best


John is the CEO of Best Innovation Group, an innovation think tank designed to point its clients in the right direction and achieve quicker adoption of cutting edge technologies. John is recognized as a thought leader and visionary of technology advancements and financial application development within the credit union industry. He was formerly CTO of Wescom Resources Group and Vice President of E-business at GTE Federal Credit Union. John graduated with a B.S. in Computer Science from the University of Phoenix.

Learn More

For credit unions interested in learning more about CULE, please enter your name, work email address, and credit union, and a member of our team will reach out to discuss with you further.