Services

Origination Support That Helps Credit Unions

AVANA CUSO provides tech-enabled deal sourcing and intake support, designed to fit your credit union’s strategy, controls, and decision process

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Strategic CRE Origination – Built For The CU Model

AVANA CUSO supports both Credit Union-sourced and AVANA-sourced commercial real estate loans

Through our Participation Desk platform and coordinated pipeline tracking, we help credit unions expand access to quality CRE opportunities while maintaining visibility and control.

Scope is designed to be selected and scaled based on your needs

What We Provide

Loan sourcing and pipeline management

Borrower pre-screening and initial qualification

Coordinated origination support

Borrower and Credit Union portal access

Co-branded marketing programs to generate member CRE demand

For credit union-sourced loans, we collaborate on origination strategy and fee sharing. For AVANA-sourced opportunities, we manage coordination and placement through our participation network

The result: expanded opportunity without expanding operational burden.

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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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Real Estate Asset Types

Franchised hotels

Franchised restaurants

Industrial

Manufacturing facilities

Medical offices

Mixed-use

Multifamily

Retail

Self-storage

Warehouse

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.

AVANA CUSOOur Differentiators

Why AVANA CUSO

Mission-Aligned Support For SMEs

Designed to help credit unions expand and manage small business and commercial lending in a way that fits cooperative values.

Technology-Enabled Reporting And Workflow Discipline

Structured processes and reporting tools can help teams stay organized, informed, and audit-ready.

A-La-Carte Flexibility

Select specific services (origination, underwriting support, servicing, participation, portfolio support) and scale as needs change.

Most common questions

Frequently Asked Questions

What does AVANA CUSO “Loan Originations” include?

Loan Originations is designed to support the front end of the commercial lending lifecycle. Depending on your needs, scope may include deal sourcing, a credit union and borrower intake portal, and co-branded marketing support to help present the program consistently. Many credit unions use origination support to improve intake quality and workflow consistency by capturing key information early, organizing documentation, and creating clearer handoffs into underwriting or credit administration. Engagements can be structured to complement your existing team and processes rather than replace them.

Do you make credit decisions or approve loans for our credit union?

No. AVANA CUSO can support sourcing, intake, organization, and file readiness, but your credit union retains credit authority and final approval. Credit decisions remain subject to your underwriting standards, internal policies, and required committee or board processes. This structure is intentional because it supports clear governance while adding capacity and process support. If your team needs additional help beyond origination, such as credit analysis, spreading, or documentation and closing support, that work can be scoped separately under Lending & Credit Administration.

How does the borrower/CU portal help the origination process?

A portal-driven intake can help centralize submissions, documents, and status updates so stakeholders have clearer visibility. For credit unions, that typically means fewer “where is the document?” emails, more consistent checklists, and better accountability across handoffs. The best implementations define: (a) what’s required upfront, (b) who reviews what, and (c) how exceptions are han ent this page from overlapping with Credit Administration or Servicing?** Origination is positioned as front-end sourcing + intake + portal workflow + marketing support, not underwriting/closing support or ongoing servicing. Credit Administration covers document processing, analysis, underwriting support, and closing coordination. Loan Servicing covers post-close servicing, reviews, and portfolio servicing.

What types of loans and properties do you support?

The live site references support for Conventional Term Loans and SBA 504 programs, along with common commercial real estate property categories. Program availability and eligibility depend on borrower profile, collateral, documentation, and your credit union’s underwriting and approval requirements. If your team has a defined credit box, or wants help tightening one, sourcing and intake criteria can be aligned to those requirements so opportunities are introduced and packaged in a way that supports your review process.

How do you avoid overlap with Lending & Credit Administration or Loan Servicing?

We differentiate by where the service sits in the lifecycle. Loan Originations focuses on deal sourcing, intake workflows (including portal), and packaging for initial review. Lending & Credit Administration focuses on underwriting workflow support, including credit analysis, financial spreading, document processing, and closing readiness. Loan Servicing focuses on post-close operations, ongoing administration, and servicing-related visibility. Keeping these stages distinct helps your team select the right support at the right time and helps each service page rank for a different search intent.