A confidential review begins with the loan tape. Provide loan-level data (balance, rate, maturity, status, lien), collateral detail (property type, location, recent valuation), performance status, and property income (rent roll, trailing-12). These are documents a lender already holds.
| Category | Fields |
|---|---|
| Loan | Current unpaid principal balance (UPB), accrued interest, original amount, origination & maturity dates, amortization, lien position |
| Rate | Fixed or floating, index, margin, floors / ceilings |
| Collateral | Property type, address, units / square footage, occupancy, most recent appraisal or BPO (date & amount) |
| Performance | Days past due, accrual status, payment history, tax / insurance status |
| Income | Recent rent roll, trailing-12 operating statement |
| Legal | Current status — demand, workout, litigation, or foreclosure stage, if any |
Uncertainty is what a buyer discounts. A complete, current tape lets a principal buyer price for reality up front and hold the bid through closing — shortening diligence and reducing the chance of any re-trade. Missing a field is fine; send what you have under NDA and the rest can follow.
No. Send the core loan tape and current status under NDA; remaining items can follow during diligence. The goal is enough to price the credit.
Yes — a direct sale is principal-to-principal under NDA, with no public marketing and no borrower contact without your authorization.
Then send the property detail, most recent valuation, and carrying-cost picture — we buy lender-owned real estate as well. 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.