No Complicated Swap to Manage
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
Discover how ARC has helped these borrowers...
CFO - Construction Machinery Distributor
“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
8 Loans totaling $32,400,000
15 & 20 Years
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.
Treasurer - National Distributor and Manufacturer
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.
12 Loans totaling $43,000,000
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.
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.
All the Benefits of a Traditional Swap Without the Headaches
ARC TRADITIONAL SWAP
Hedges for Unique Structures
No Hedge Accounting or Reporting
No ISDA Documentation for Bank or Borrower
No Cash Collateral
Eliminates the requirement for your loan officers to explain a complex transaction
Puts SouthState’s capabilities to work for you, giving your bank the marketing, sales, data and pricing support to better compete in today's landscape
Training provided to all of your lenders
The SouthState ARC team can meet in-person with your borrowers anytime
Your plan to win more loans and beat the competition...
We Are Ready to Help
Contact Your Regional ARC Rep Today
Illinois, Michigan, Indiana
Iowa, Kansas, Minnesota, Missouri, Nebraska, North Dakota, South Dakota, Wisconsin
Alaska, Arizona, California, Colorado, Hawaii, Idaho, Montana, New Mexico, Nevada, Oregon, Utah, Washington, Wyoming
Oklahoma, Texas, Arkansas
Connecticut, Delaware, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island, Vermont, Virginia, Washington, D.C., West Virginia
Alabama, Kentucky, Louisiana, Mississippi, North Carolina, South Carolina, Tennessee, Georgia