Powerful Partnerships. Diverse Opportunities. Incomparable Service

Commercial real estate lending and participation

AVANA CUSO helps credit unions expand earning assets through commercial real estate participation lending. Supported by servicing infrastructure and reporting tools designed for visibility and oversight

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trusted partnerships

How we work

A credit union–first approach to CRE participation lending

AVANA CUSO supports commercial real estate participation lending for credit unions with a practical operating model designed to help your team evaluate opportunities, document decisions, and manage post-close visibility. We’re built to support your program with:

Founded

Years of Experience

$ 0Bn+

Loans to Date

$ 0Bn+

Assets Under Management

All-in-one solution

Three paths, one connected platform

For Credit Unions

Grow earning assets and diversify beyond your local footprint with CRE loan participations supported by documented workflows, servicing infrastructure, and reporting tools.

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For Borrowers

Apply for financing through AVANA CUSO’s credit union partnership network. We’ll guide you through prescreen requirements so you know what’s needed up front.

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For Brokers

Submit deals through a defined prescreen process with clear requirements and consistent follow-up. If the opportunity fits, it moves through a structured workflow.

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Professional Services for Credit Unions

Services we provide

Loan origination

Add origination support to help source, structure, and move commercial loan opportunities through a consistent intake and review workflow.

Credit administration

Strengthen documentation and ongoing loan administration support to help maintain consistency, controls, and clear internal records.

Loan servicing

Support the loan lifecycle after closing—payments, monitoring, and routine servicing activities—based on defined scope and requirements.

Loan participation

Expand your reach, manage risk, and optimize your portfolio with Avana CUSO’s strategic participation and analytics solutions.

Portfolio management

Access commercial real estate loan participation opportunities with a structured process and post-close visibility tools to support oversight.

Our working process with Credit unions

How it works

Align on objectives and governance needs

We start with your goals and internal oversight requirements. Then align on workflow and service scope.

Origination and participation workflow support

Opportunities are evaluated through a structured process designed to support consistent review and decision-making.

Ongoing servicing and reporting

After close, servicing infrastructure and reporting tools support visibility and portfolio oversight.

Expand support as your program grows

Add services like credit administration and portfolio management as needs evolve.

Options for borrowers and brokers

Loan programs we support

Conventional term loans

Financing structures commonly used for stabilized CRE (terms vary by property, borrower profile, and lender approval).

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SBA 504 loans

SBA 504 is designed for eligible owner-occupied real estate and certain long-term business expansion needs, subject to SBA rules and lender requirements.

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What people think

Client testimonials

Most common questions

Frequently asked questions

What types of commercial loans do you support?

Many credit unions use participation and lending services for conventional commercial real estate term loans and SBA 504 (owner-occupied) structures, among others. Availability depends on property type, borrower profile, program parameters, and underwriting requirements. All financing is subject to lender and credit union approval.

What information is needed to evaluate a participation opportunity?

Common review materials may include collateral and property details, borrower/sponsor background, requested structure, and supporting financial documentation. Third-party reports and additional items may be required depending on the loan and underwriting. Reviewing a submission does not imply approval.

Do you provide loan servicing after closing?

Yes—servicing support may include post-close administration, routine loan servicing activities, and reporting access based on the agreed scope. This is designed to help credit unions maintain ongoing visibility and operational consistency. Servicing and reporting support vary by engagement and loan type.

How do you approach underwriting and due diligence?

We use a structured review process designed to support consistent evaluation and decision-making, with documentation requirements aligned to the transaction and the participating credit union’s policies. Due diligence commonly includes review of the borrower/sponsor, collateral and property details, and supporting third-party items as applicable.

Closed loans