Find a local bank that cares about your success
Get a long-term fixed rate loan to protect your business
Grow your business and increase profits
If you're like most commercial borrowers, this might
My local bank doesn't
offer fixed rate financing
beyiond 10 years.
I don't want to deal with
a large national bank. I want to bank local.
I need a long-term loan,
but my lender always
tries to talk me into a
I don't like back-to-back
interest rate swaps. They
are too confusing.
We're the ARC Program, a partner to community banks.
We'll put you in touch with a local community bank that offers 10-20 year fixed rate commercial loans.
Find a community bank that offers the ARC Program.
Get your proposal for a long-term fixed rate up to 20 years.
Close your loan with simple documentation and grow your business!
Discover how ARC has helped community banks offer
long-term fixed rates to borrowers like you.
CFO of a Construction Machinery Distributor.
“We have now closed 8 loans and are looking to close 2 more. We chose 15 or 20-year fixed rates, and we used the ARC Program to refinance our shorter term debt from our other banks.” - Brent
SouthState Bank's correspondent division works with community banks nationwide to help these banks offer services to commercial borrowers. We provide consulting, hedging, pricing, and other services to allow your local community bank to compete against national banks and offer borrowers like you personalized and competitive products and services.
The Assumable Rate Conversion (ARC ) program helps local community banks offer borrowers like you some services that previously were only available at the national or super-regional banks. The ARC program helps your bank help you succeed.
It is up to your local community bank to underwrite your credit and structure the loan for your needs. However, historically community banks used the ARC program for established, cash-flowing businesses, with non-personal real estate collateral used to secure the loan.
You and your local community bank will negotiate the structure and price of your commercial loan. Each loan, borrower, bank, and market is different, and every borrower relationship is priced accordingly.
ARC may be effective for borrowers seeking fixed-rate certainty from 3 to 20 years.
Every borrower’s situation and needs are unique, and your local community bank representative will discuss the suitability of the ARC program for your specific circumstances.