Community banks know loan-level hedging can win larger fixedrate relationships. The hard part is getting lenders to actually use it.
Schedule a Call with Your ARC SpecialistThis $2B+ community bank in the Midwest spent five years with a traditional swap provider proving that point. Here's how the trajectory changed.
This community bank believed in loan-level hedging, but the swap process was too complex for broad adoption: lenders hesitated to market it, and borrowers needed more education than the front line had time to provide. A useful product stayed underutilized.
ARC gave lenders a simpler, more marketable way to offer fixed-rate financing. Less friction in the transaction, an easier borrower conversation, and a solution the commercial team could confidently bring into the field
The trajectory changed. In just one year, ARC outpaced the bank's prior five years of swap production by 5x.
“Over a 12-month period, after five years of using back-to-back client swaps, the bank originated 5x the amount of notional volume through ARC than it did in five years with a traditional swap provider.”
Merchants did not need another complex product. It needed a solution lenders would actually use. ARC helped close that gap - and turned loan-level hedging into a growth engine.
The bank didn't need to be convinced that loan-level hedging mattered. It needed a better way to make the solution usable, and ARC bridged the gap between product value and lender adoption.
Simpler lending conversation
Less borrower confusion
Higher internal confidence
Measurable production impact
Maintain existing hedging providers–many of our partner banks do. Our program has zero exclusivity, zero minimums, and zero ongoing fees. Consider hedging your next loan through the ARC program and see how the conversation changes.
Schedule a Call with Your ARC Specialist
