They might not be true banks, but lots and lots of companies become enough of a bank to issue loans or credit cards... to customers that want to buy their produ

They might not be true banks, but lots and lots of companies become enough of a bank to issue loans or credit cards... to customers that want to buy their products. e.g. car companies, department stores, gasoline companies, etc. I had a buddy that worked for Caterpillar Finance, the credit arm of the folks that make heavy machinery like bulldozers. They issue loans to companies for purchasing their stuff, etc.