In times of tight credit markets the ability to locate funding sources for quality commercial projects have become increasingly challenging.  Commercial loan brokers have traditionally served a role of working with borrowers to find resources for their funding needs.  Triangle Financial Advisors serves this role and specializes in locating funding sources within the community banking environment.  Our team of professionals has more than 60 years of experience working with community banks and has placed in excess of $3 Billion in commercial loans within the community banking network.  Our deep reaching relationships with community banks across the country have been the nucleus of our success.

Triangle Financial Advisors perform the following services related to commercial funding needs:

• Secure funding sources for community bank’s commercial customers
• Provide Participation Management Services
• Provide Asset Concentration Management Services

Secure Funding Sources For Community Bank’s Commercial Customers

Quite often, especially in times of tightened credit environments and/or loans to one borrower or geographic limitations, borrowers with strong, quality commercial loan requests may have difficulty having their financing needs met by their local bank.  At the request of the local bank, the professionals at Triangle Financial Advisors will leverage their extensive community banks contacts throughout the country to locate funding sources regardless of the market location of the project.  The local bank benefits by assisting a valued commercial customer and the borrower finds a solution to their ultimate need – a funding source.

Triangle Financial Advisors will also work with potential borrowers directly by assisting in the location of funding sources through community banks typically located in the same market as the subject project.  Through our many years of working with community bank lenders, we understand which banks in specific markets will have an appetite for a given project type.  Triangle Financial Advisors is dedicated to securing funding for commercial projects in a professional and expeditious manner.  Through this process, the community bank establishes new lending relationships and quite often new deposit relationships.

Participation Management Services

Legal lending limits and in-house limits can prohibit a community bank from addressing the borrowing needs of a commercial customer and can place them in a competitive disadvantage with larger regional and national banks.  In order to accommodate larger or multiple borrowing requests, community banks often look to partner with other banks to address the full borrowing needs of their commercial customer.  Through loan participations, community banks can satisfy their borrower’s full needs.  Triangle Financial Advisors has extensive knowledge and experience in managing the loan participation process for community banks.  The process is time and administratively burdensome.  By allowing our team of professionals to manage this process in a timely and seamless manner, community banks can focus their efforts on their underwriting process and generating additional loan production.

Asset Concentration Management

As regulatory pressures continue to grow, banks must place more emphasis on the management of asset concentrations.  As banks fill up specific asset “buckets”, they must either discontinue extending credit in that asset class or move assets off their balance sheet to accommodate the new request of their borrower.  Triangle Financial Advisors understand this dilemma and can utilize its relationships with hundreds of banks to move assets on behalf of their client banks and thus assist in this portfolio management exercise.

For more information on our Transaction Funding Services, please contact your Triangle Financial Advisor Representative at (205) 356-5806.