Have RECC fund your CRE loans.  In today's tightening credit environment, many community banks are facing new challenges. Often, existing bank customers have financing needs that just cannot be met by local banks (e.g.; LTV, fixed rate term, amortization, legal lending limit, CRE concentration, etc.).

RECC can provide financing for your customers whose CRE lending needs are outside of your current credit standards - giving you the ability to maintain your depository relationship and accommodate the CRE loan.   

     The process:

• You submit a loan request and supporting documents (e.g.; executive summary, rent roll, operating statements, borrower PFS & SREO) to RECC.

• We review the loan request and generally issue a conditional approval within 1-2 days.
  Upon borrower acceptance, you collect and remit the third party deposit (for appraisal, environmental, etc.) to RECC.

• RECC underwrites the loan completely and closes the loan - you spend no time assembling the credit file, creating the credit memorandum, or even closing the loan. We do it all.

• You keep 100% of the loan origination fee which is disbursed to you at closing. The loan never touches your books.

Top 10 Reasons to work with Real Estate Capital Company

#10) Liquidity:  We can co-originate a single loan or buy an entire portfolio. A good strategy may be to refinance customers with an upcoming loan term and lower their rate or sell loans to RECC where the customer no longer has a deposit relationship with your bank. Why allow non-deposit borrowers to use valuable liquidity that could better be used for your current deposit customers?

#9) No Lender Liability: Loans funded with RECC never hit your balance sheet and, therefore, you have no contingent liability and you can eliminate the future liability for potentially delinquent or non-performing loans.

#8) Prevent Loss of Banks' Deposits: Don't lose customers' deposits to competing banks just because you can't perform on a particular loan request. Fund that loan with RECC instead and keep their deposits on your balance sheet.

#7) Gain New Bank Deposits: Consider this: You get a one-off loan request from a non-bank customer; they are not ready to move any deposits to your bank today; and you deny the loan transaction. Why not originate this loan with RECC and try to earn them as a new deposit customer later?

#6) Loan Concentration: Mitigate loan type concentration on your balance sheet. Your customer may own 10 hotels--do you want all of them on your balance sheet?

#5) CRE Concentration: Is the Fed pressuring your institution to get some of your CRE loans off the balance sheet? Sell RECC a pool of CRE loans and get these CRE loans off your balance sheet.

#4) Extend your Legal Lending limit: Our program allows you to exceed your legal lending limit to any one customer by up to $4 million.

#3) Loans Outside your CRA: Our program allows you originate a loan in all 50 states, including AK and HI. Many times good bank customers can own property in other states. Do you want a competing bank to originate a loan outside your footprint and take your customers' deposits with them?

#2) Keep and Reward Your Best RMs: With compensation programs under the microscope, our CRE Program gives you an easy way to reward your very best RM's and it essentially costs your bank nothing!

And, the #1 reason banks use Real Estate Capital Company?

1) Fee Income: You not only keep any origination fee charged to the borrower, but also 100% of the fee income earned which can be immediately booked to your income statement.

Call today to discuss the many ways in which Real Estate Capital Company can increase the profitability of your bank.