Lead Bank specializes in lending to small businesses and individuals. A lead bank plays a significant role in loan syndication by organizing the process, negotiating terms, and managing communication among participants. This method allows a lender to spread its credit risk and offer larger loan amounts than a single institution could.

A lead bank is the primary organizer and administrator for syndicated loan or underwriting deals. Its responsibilities include organizing and negotiating terms and bringing together a group of banks, also known as the syndicate, to complete the transaction.