81 Million
in loan production
1.01 Million
in fee income generated for their bank
The Borrower's Needs
This commercial lender desired a better solution than traditional back-to-back interest rate swaps.
Having previously worked at a larger bank, he was used to swaps but always struggled to sell them due to the complexity and confusion they create for borrowers.
![](https://southstatecorrespondent.com/wp-content/uploads/2023/02/Testimonial-3-35-e1675896385969-600x600.png)
The Borrower's Solution
Use the ARC Program to deliver long-term fixed rates without the headaches of a typical swap program.
![](https://southstatecorrespondent.com/wp-content/uploads/2023/02/Testimonial-3-36-e1675896952832-600x600.png)
The Results
![ARC adds more floating rate loans for his bank, helping to stabilize NIM Icon](https://southstatecorrespondent.com/wp-content/uploads/2020/11/icon_circle_check.png)
ARC adds more floating rate loans for his bank, helping to stabilize NIM
![The ARC fees generated on each deal allow the lender to waive traditional origination fees, making him more competitive and winning more loans Icon](https://southstatecorrespondent.com/wp-content/uploads/2020/11/icon_circle_check.png)
The ARC fees generated on each deal allow the lender to waive traditional origination fees, making him more competitive and winning more loans
![Books more relationship-based loans that will stay on the books for a long time, rather than transactions that will consistently refinance Icon](https://southstatecorrespondent.com/wp-content/uploads/2020/11/icon_circle_check.png)
Books more relationship-based loans that will stay on the books for a long time, rather than transactions that will consistently refinance
![Offers his clients a simplified experience: Eliminating ISDAs No complex reporting One simple monthly P&I payment Icon](https://southstatecorrespondent.com/wp-content/uploads/2020/11/icon_circle_check.png)
Offers his clients a simplified experience: Eliminating ISDAs No complex reporting One simple monthly P&I payment
Why ARC?
![Bank Earns Floating While Borrower Receives Fixed Icon](https://southstatecorrespondent.com/wp-content/uploads/2020/11/icon_balloon-1.png)
Bank Earns Floating While Borrower Receives Fixed
![Allows the bank to offer unique options Icon](https://southstatecorrespondent.com/wp-content/uploads/2020/11/icon_sheet-e1676662278332.png)
Allows the bank to offer unique options
![Fixed rate terms out to 20 years Icon](https://southstatecorrespondent.com/wp-content/uploads/2020/11/icon_lock.png)
Fixed rate terms out to 20 years
![Forward rate locks Icon](https://southstatecorrespondent.com/wp-content/uploads/2020/11/icon_grow.png)
Forward rate locks