ARC – Lender

We Understand the Frustration & Challenges Lenders Face Today

Does this sound familiar?

Competition everywhere - local, regional, and national banks, plus fintechs

Your bank doesn't lend beyond 5 years fixed, while competitors offer 10+ years

You're expected to produce fee income, but few borrowers will tolerate an origination fee

Borrowers want to refinance the second rates drop

ARC Helps Lenders Win & Retain More Business

Win More Deals by Giving Borrowers What They Want

Many borrowers want long-term fixed-rate certainty—and they’ll go elsewhere to get it.

ARC puts you in a stronger position:

• Offer competitive long-term fixed rates without hesitation

• Compete more effectively against credit unions, life cos, and large banks

• Say “yes” to more opportunities that would otherwise be difficult to structure

Result: More closed deals—and fewer missed opportunities.

Stand Out, Move Faster, and Earn More

Most lenders look the same to borrowers.

ARC gives you a clear edge:

• Bring a more flexible, sophisticated solution to the table

• Stand out as a problem-solver, not just a rate provider

• Build stronger relationships that lead to repeat business and referrals

Result: Faster closings, a stronger pipeline, and greater earning potential.

Hedged vs. Unhedged Loans by the Numbers

3X
MORE REVENUE PER RELATIONSHIP
2.5X
LONGER CLIENT RETENTION
18X
LESS LIKELY TO LOSE MONEY ON A DEAL

Watch the ARC Guided Tour

We will cover everything you need to know to start pricing ARC loans including:

• The ideal ARC borrower

• How to price an ARC loan

• How to earn fee income

• How to explain the program to a borrower

Watch the Tour
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Commercial Lending Articles

Fixed, Float or Capped – Advising Commercial Borrowers

The Fed Funds futures market is currently pricing in a high probability of a September interest rate cut – although that is not a certainty.  Many clients with financing needs are looking to their commercial relationship managers for advice on how to structure and price their credit facilities.  We recently worked with a lender who...
Read More about Fixed, Float or Capped – Advising Commercial Borrowers

Get Our Commercial Loan Pricing Grid

We are not big proponents of loan pricing grids. We find pricing grids to be rudimentary – lacking the myriad of inputs that distinguish risk-adjusted return on capital (RAROC), such as acquisition and maintenance costs, fees, interest rate, credit risk, and cross-sell opportunities (some of the most important drivers of banking profitability).  We believe that...
Read More about Get Our Commercial Loan Pricing Grid

What We Learned At Our Lenders Lunch

For the last few years, SouthState Bank Correspondent Division has been hosting lender lunches across the country. At these events, we invite local executives and lenders to discuss what drives community bank performance, we highlight challenges and opportunities for community banks, bankers have a chance to network over a short period (and eat lunch), and...
Read More about What We Learned At Our Lenders Lunch