CRE Loan Participations for Credit Unions
Review CRE loan participations that AVANA CUSO has screened and underwritten, all in one portal. Your credit union keeps every credit decision.
Why Credit Unions Use Loan Participations
Participation supports portfolio construction, liquidity planning, and concentration management—while still requiring disciplined governance. AVANA CUSO supports participation workflows with technology and services that make evaluation and ongoing visibility more consistent.
Your credit union retains decision authority for policy, diligence requirements, and approvals.
Diversify CRE Exposure
Add property types and markets beyond your own field of membership.
Manage Concentration Limits
Hold a share of a larger loan instead of carrying the whole balance.
Access Larger or Specialized Opportunities
Review CRE deals your credit union might not see, or could not hold alone.
Deploy Capital Efficiently
Put excess liquidity to work in loans AVANA CUSO has screened and underwritten.
Credit Union Portal
AVANA CUSO’s Credit Union Portal is designed to streamline how credit unions find, review, and evaluate participation opportunities—without forcing you into a one-size-fits-all process
Have Your Own Originations?
With our Reallocation Program, your credit union originates and underwrites on its own platform. AVANA CUSO handles loan documents, closing, reallocation into our network and servicing.
How It Works
01
Discovery Conversation
We align on your participation goals, preferred asset focus and internal workflow.
02
Set Up Your Portal
Your team gets Credit Union Portal access, with user roles and lending preferences.
03
Review Opportunities
Screen deals by property, location, loan size and LTV, and review documents in one place.
04
Participate and Track
Submit interest, confirm terms and settle the participation, then follow it through servicing and reporting.
Behind every participation, we:
Source participation partners
Issue participation certificates
Coordinate interest settlements and transfers
Provide compliance oversight for co-lenders
Proven Success Stories
38-Unit Multifamily in Newark, NJ
Multifamily
142-room Inn – Reading
Hotel
Multi-Tenant Industrial Property
Industrial
O’Connor-Masse Family Trust
Refinance
RJED Akron CRE Deal Case Study | AVANA CUSO
Acquisition
107-room Home2 Suites Deal
AcquisitionClient Testimonials
Jonathan Mays, VP of Mortgage and Commercial Lending
Commonwealth Credit UnionAVANA CUSO provided us with loan growth, reducing our interest rate risk and gave us diversification outside of our small market area
See Current Participation Opportunities
Why AVANA CUSO
Built Around Credit Union Governance
Scope, reporting and documentation are aligned to your policies and to how your board and committees review risk.
A Growing Credit Union Network
Access larger or specialized CRE opportunities through participations with other credit unions.
Technology-Enabled Reporting and Workflow Discipline
Structured processes and reporting tools can help teams stay organized, informed, and audit-ready.
Frequently Asked Questions
How is the Credit Union Portal different from sourcing participations through emails and broker outreach?
Traditional participation sourcing often relies on one-off emails, attachments, and manual follow-up across multiple stakeholders. The Credit Union Portal is positioned as a centralized place to view opportunities, review key terms, access supporting materials, and track interest in a more consistent format. Instead of rebuilding the same internal process for each opportunity, teams can use a repeatable workflow to screen deals, route materials to the right reviewers, and document decisions.
What information is typically available when reviewing an opportunity in the Credit Union Portal?
Opportunity information is generally presented in a structured view that supports quick initial screening and deeper review when needed. Credit unions may see high-level attributes such as property and location, loan size, LTV, and anticipated timing, along with participation availability indicators. For a deeper review, the opportunity detail view can include a background narrative, key loan terms, and a dedicated documents area for materials made available for diligence.
Can multiple people at our credit union access the portal, and how do you support internal controls?
Yes. The portal experience is designed for team participation, not just a single user. Credit unions can manage users within their workspace and assign roles that align to responsibilities, such as administrative access for those managing setup and permissions, and viewer-style access for stakeholders who need visibility without taking action. This role clarity can support internal controls by helping institutions separate review, administration, and oversight functions. As with any lending workflow, your credit union should configure access and governance to match your internal policies, committee practices, and documentation standards.
What happens after we submit interest, and how is allocation handled?
Submitting interest is typically an indication of your credit union’s intent to participate, subject to review, availability, and any transaction requirements. From there, next steps may include confirming terms, validating documentation, and coordinating any closing requirements. Allocation and timing can vary based on the size of the transaction, total interest from participants, and the lead lender’s process. Because these details are transaction-specific, it’s important to confirm expectations early, including what happens if a deal is oversubscribed or if timelines shift.
What is required to get started, and how quickly can we begin reviewing opportunities?
Getting started generally begins with a short discovery conversation to align on your participation goals, preferred asset focus, and internal workflow. From there, your team can be provisioned in the portal and set up with the appropriate user roles and preferences. Once access is established, your credit union can begin reviewing opportunities as they are made available, using your standard diligence and approval process. Timing depends on onboarding steps, internal readiness, and availability of opportunities that match your criteria.
Request Credit Union Portal Access
One Portal for Every Opportunity
NCUA-Compliant Documentation
$6.5Bn in Total Originations
Brianna Vaughan
EVP, Credit Union Success
Our Team
Sundip Patel
Co-Founder & Chief Executive Officer
Sanat Patel
Chief Lending Officer
Mae Julian
Global Controller
Brianna Vaughan
EVP, Credit Union Success
Joy Hekking
VP, Servicing
Candace Sheets
EVP, Head of Credit
Josephine Aquino
Customer Success Manager
