Conventional Loans

The problem with calling "your bank"

Commercial lending appetite moves constantly. The bank that loved retail last year may be full on it today; the credit union you've never heard of may be the most aggressive industrial lender in your county this quarter. A single lender can only ever show you its own balance sheet, and its answer tells you nothing about the market.

Our desk maintains a live map of who is lending on what, where, and at what terms, across more than 10% of U.S. banks plus credit unions nationwide. When your deal goes out, it goes to the lenders whose current credit box it actually fits, and they price against each other.

Where conventional debt wins

Banks and credit unions are the natural home for deals that need flexibility: shorter holds, owner-users, value in the story rather than the trailing twelve, residential portfolios, and sponsors who want prepayment freedom. Credit unions in particular often lend without prepayment penalties. Recourse and pricing vary widely between institutions, which is why competing them matters.

When a deal is better served by a different execution, we run it there instead: stabilized multifamily may price better with Fannie Mae or Freddie Mac, and maximum-proceeds non-recourse requests often belong in CMBS. The comparison is part of the process.

What we need to quote you

Property financials (rent roll or lease summary, trailing operating statement), the ask, and the story. Initial sizing and a read on likely executions typically follow within days.