Community banks sell single CRE credits to remove a classified asset before an examination, manage CRE concentration, and free capital. A direct, all-cash sale closes in weeks, confidentially, without the time or exposure of a competitive process — well suited to a one-off, sub-$25M credit.
For a single sub-$25M credit, a competitive process rarely justifies its time and exposure. A direct principal buyer gives speed, certainty, and discretion — and protects the relationship manager from a re-trade in front of the committee. Quantify the choice with the loan-sale-vs-foreclosure calculator. Standing Bid Capital is a direct principal buyer of CRE loans, discounted payoffs, and REO — $250K–$25M, all-cash, no re-trade, confidential. Request a confidential review.
Resolving a classified credit before an exam generally reflects sound risk management; a confidential note sale removes the asset without a public process. (Confirm treatment with your own advisors.)
Yes — single credits from $250,000 to $25 million, all-cash, no re-trade.
An indication within days and a close within weeks of a signed purchase agreement — see how fast a note sale closes.