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