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.
The Borrower's Solution
Use the ARC Program to deliver long-term fixed rates without the headaches of a typical swap program.
The Results
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
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
Why ARC?
Bank Earns Floating While Borrower Receives Fixed
Allows the bank to offer unique options
Fixed rate terms out to 20 years
Forward rate locks