Provide Long-Term Fixed Rate Loans While Earning a Floating Rate
Provide Long-Term Fixed Rates while Earning a Floating Rate
*At closing, we fix the note for your borrower with a simple 4-page client addendum written in simple terms.
Generate Fee Income
Earn up to 2% of the loan amount that you can recognize as income immediately. Paid to you from us as an ARC referral fee.
Reduce Your Bank's Risks
Reduce credit risk by stabilizing your borrower’s DSCR with a long-term fixed rate. Mitigate your bank’s interest rate risk with a floating rate loan, helping to stabilize net-interest margin.
No Cost to Use the Program... ever!
There is no cost to sign up for the program and no cost when you book an ARC loan.
*Assumable Rate Conversion (ARC) loans are subject to approval by the client bank
Borrower Stories
Explore how ARC can support borrowers and meet their business needs and discover what it can do for your company.Brent - 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.”
LOANS: 8 Loans totaling $32,400,000
TERMS: 15 & 20 Years
LOANS: 8 Loans totaling $32,400,000
TERMS: 15 & 20 Years
Dave - Real Estate Investor
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
LOAN AMOUNT: $3,700,000
TERM: 10-20 Years
Devin - National Distributor & Manufacture
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
LOANS: 12 Loans totaling $43,000,000
TERMS: 10, 15, & 20 Years
Kari - Hotel Operator
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. 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.
LOAN AMOUNT: $7,000,000
TERM: 10 Years
LOAN AMOUNT: $7,000,000
TERM: 10 Years
Get Started
Your plan to win more loans and beat the competition
Book an ARC Demo
Schedule a call with our team to learn how ARC works.
Train Your Lenders
We'll teach your lenders how ARC works and how to close an ARC loan.
Grow Your Revenue
Book your first ARC loan and start growing loans, fee income, ROE, and ROA!
ARC Updates
Get access to latest market updates, commercial lending trends, and news on how community banks are using ARC to stay ahead of the competition.
View ARC UpdatesWe Are Ready to Help
Contact Your Regional ARC Rep Today
John Brittain
Iowa, Kansas, Minnesota, Missouri, Nebraska, North Dakota, South Dakota, Wisconsin
(908) 552-9299
John.Brittain@southstatebank.com
Rick Ruso
Alaska, Arizona, California, Colorado, Hawaii, Montana, New Mexico, Nevada, Oregon, Utah, Washington, Wyoming
Russ Smith
Delaware, Idaho, Illinois, Indiana, Maryland, Michigan, Ohio, Pennsylvania, Virginia, Washington, D.C., West Virginia
Steve Olson
Georgia, Kentucky, Louisiana, Mississippi, North Carolina, South Carolina, Tennessee
Larry Kalis
Massachusetts, Rhode Island, New Hampshire, Vermont, Connecticut, Maine, New Jersey, New York
