A Midwest regional bank launched a back-to-back swap program in 2013. It worked—but it was never easy to scale. Every deal required the right borrower, the right lender, and the right level of technical comfort to move forward.
Talk to Your ARC SpecialistBefore ARC
10+ Years of Swaps
29 loans
-$125MM in balances
After ARC
18 Months of ARC
144 loans
~$770MM in balances
But the swap program stayed stuck in the "specialist-only" category—too complex for most lenders to bring into everyday loan conversations, too unfamiliar for most borrowers to say yes quickly.
The difference wasn't the borrowers. It was the conversation.
After adopting ARC in January 2025, lenders could lead with what borrowers actually care about:
Long-term rate certainty — not derivative terminology
Payment confidence — not a walkthrough of a complex structure
A simpler path to fixed-rate financing — one any lender can explain
Easier to explain, easier to understand, easier to use consistently— fixed-rate lending went from a niche product to a repeatable part of the sales process across the whole lending team.
| ARC | TRADITIONAL SWAP | |
|---|---|---|
| Fee Generation | ||
| Swap/Hedge Portability | ||
| Hedges for Unique Structures | ||
| No Hedge Accounting or Reporting | not checked | |
| No ISDA Documentation for Bank or Borrower | not checked | |
| No Cash Collateral | not checked |
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.
Talk to Your ARC Specialist
