Capital Sources

Credit Union

Member-owned financial cooperatives that provide commercial real estate loans, often with competitive rates and flexible terms for local borrowers. CUSOs (Credit Union Service Organizations) allow credit unions to pool capital for larger transactions. Credit unions can offer relationship-based lending with more flexibility than traditional banks.

Related Terms

Portfolio Loan

A commercial real estate loan that the originating lender holds on its own balance sheet rather than selling into the secondary market. Portfolio loans offer more flexibility than securitized products in terms of underwriting, prepayment, and loan modifications because the lender retains the decision-making authority. Banks, credit unions, and some life insurance companies are the primary portfolio lenders. Borrowers benefit from direct relationships with decision-makers and the ability to negotiate customized terms.

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Credit Union

Related Terms

Portfolio Loan

More Capital Sources Terms

Life Insurance Company (Life Co)

CMBS (Commercial Mortgage-Backed Securities)

Agency Lenders (Fannie Mae / Freddie Mac)

Debt Fund

Private Lender

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