Bank and Credit Union Commercial Loans

Banks and credit unions remain the lowest-cost source of commercial debt in the United States, and for a sponsor with clean credit, verifiable income and a stabilized asset they are almost always the first call. Depository lenders fund from customer deposits rather than the capital markets, so their cost of funds is low and they can pass that through. The trade is that they underwrite the borrower as much as the property: global cash flow, contingent liabilities, tax returns, personal financial statements and the strength of the guarantor all sit alongside the appraisal and rent roll.

Relationship matters more here than anywhere else in commercial lending. Banks price and structure to win the whole account — operating deposits, treasury management, payroll and future borrowings — and a borrower who brings the relationship will see terms a transactional shopper never gets. Credit unions apply the same logic to member businesses, often with slightly more patient underwriting and a smaller hold size. Rair Capital's role is to place your request with the specific institutions whose credit box, geography and current appetite fit the deal, rather than having you call branches one at a time.