Lend Fixed, Receive Floating, Generate Fee Income

“We have now closed 8 loans and are looking to close 2 more. We choose 15 or 20-year fixed rates, and we used the ARC Program to refinance our shorter term debt from our other banks.” - Brent

LOANS: 8 Loans totaling $32,400,000
TERMS: 15 & 20 Years

Dave’s community bank uses the ARC Program to deliver the long-term fixed rate financing Dave needs, while mitigating interest rate risk on their balance sheet.

LOAN AMOUNT: $3,700,000
TERM: 10-20 Years

Although they are very large, Devin’s company has refinanced almost a dozen loans with their local community bank using the ARC Program — some loans as long as 20 years! By using ARC, Devin’s community bank has closed $43,000,000 in new loans and earned $646,000 in fee income.

LOANS: 12 Loans totaling $43,000,000
TERMS: 10, 15, & 20 Years

Kari has been constructing and running hotels for over 15 years. She recently took out a new construction loan with a local community bank using the ARC Program.

LOAN AMOUNT: $7,000,000
TERM: 10 Years

By using the ARC Program, this community bank offered her a $7,000,000 loan on 10 year fixed rate term, while locking in the rate 9 months in advance during the construction period.