Private Credit for Accredited Retail Investors
Access secured private credit backed by commercial real estate collateral through a 506(c) platform designed to support fractional participation. Availability, eligibility, and terms are subject to offering documents and required verification
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SBA 504 Loans
Built for Growth
Fixed-Rate, High LTV (Up to 90%), Long-Term CRE Loans for Owner-Occupied Properties
Backed by $5B+ in SBA lending expertise. Fast, transparent closings tailored for small businesses and brokers.
Accredited investors exploring private credit diversification beyond public markets
Investors who prefer collateral-backed exposure with defined terms (subject to offering documents)
Individuals who want a structured onboarding process with clear eligibility and verification requirements
Investors who value ongoing visibility through communications and reporting access
Accredited investor eligibility
- Net Worth Over $1 Million (excluding primary residence; includes assets such as savings, investments, and real estate)
- Annual Income Over $200K (or $300,000 jointly with a spouse) for the last two years, with an expectation of the same this year (Eligibility and verification are subject to applicable rules and offering requirements.)
How AVANA support accredited retail investors
- Access to secured private credit opportunities backed by CRE collateral (subject to availability)
- A consistent underwriting approach supported by documented diligence steps and third-party inputs as applicable
- Portfolio monitoring practices designed to support lifecycle oversight
- Investor communications delivered via email and/or an online reporting portal
- Onboarding steps that may include KYC/AML and accredited investor verification, as applicable
Ways to Invest
With our unique EqualSeat™ platform, built on the regulations under 506(c) securities offering, we ensure that accredited retail investors have an Equal Seat with Institutional Investors to invest in private Credit in the commercial real estate sector.
Min. Investment — $10K
Average Term — 3 Years
Liquidity — On Maturity
How to invest with AVANA
Register on Equalseat
Complete KYC & Verification
Invest
Monitor
Pre-screening
Underwriting and diligence
Documented decisioning
Closing controls
Ongoing monitoring
Compliance procedures
What guides our decisions
Key factors we use to guide our decisions:
Credit discipline
High quality, rigorous and consistent risk approach from origination to portfolio mangement
Embedded risk control
Documented diligence and mitigants where appropriate
Focused specialization
Sector expertise and asset-level evaluation in select markets
Fundamentals first
Decisions grounded in cash flow, sponsor strength, and obligor capacity—not market timing
Purpose & alignment
Capital deployed with mission focus and alignment of interests, subject to offering terms
Reporting & Transparency
- Lender statement of account: typically provided by the 15th business day of each month
- Loan review inquiries: typically available beginning the 16th business day following statement release
- Audit balance confirmation: annual
- Trade documents/capital calls: trade documents available for each trade (as applicable)
- Investor correspondence: made available as needed
Frequently asked questions
- Vehicle selection often reflects internal oversight requirements and reporting preferences
- Some options may provide different levels of customization, subject to program parameters
- Availability may vary based on pipeline and timing
Proven Success Stories
We’ve helped businesses across industries
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Invest with AVANA
Insights
Our Team
About Sanat Patel
As Chief Lending Officer at AVANA Companies and Chair of the Board at AVANA Bank, Sanat Patel brings more than three decades of experience in financial services, private credit and commercial banking, with a proven track record in loan structuring, risk management, and balance sheet growth. Sanat has led strategic initiatives that connect institutional capital with entrepreneurial ambition, supporting the growth of businesses, and owners engaged in commercial real estate across the U.S. He has built and scaled lending platforms in partnership with banks and credit unions, developing tailored financial solutions that drive job creation and foster inclusive economic development.
Our Team
About Christyna Lane
As a lending participation expert in Southern California, Christyna Lane manages the direct loan placements for AVANA CUSO, a Member of the AVANA Family of Companies, with lenders like credit unions, community banks and other financial institutions while establishing and maintaining relationships for the organization. Joining the CUSO team in 2014, she works in connection with lenders nationwide to assist them in reaching their commercial lending goals and diversifying their portfolio.