Credit Union Participations and Servicing
Expand your participation strategy with secured private credit backed by commercial real estate collateral—supported by underwriting discipline, servicing infrastructure, and reporting tools designed for internal governance.
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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.
Credit unions diversifying earning assets beyond a local footprint through participations
Teams managing loan-to-share optimization and concentration risk
Institutions seeking workflow support across diligence, servicing, and reporting
Governance-driven organizations requiring permissioned access to diligence materials and ongoing portfolio visibility
How AVANA helps credit unions
- Credit unions diversifying earning assets beyond a local footprint through participations
- Teams managing loan-to-share optimization and concentration risk
- Institutions seeking workflow support across diligence, servicing, and reporting
- Governance-driven organizations requiring permissioned access to diligence materials and ongoing portfolio visibility
Conventional Loans
We carefully design our loans with the needs of Credit Unions as our top priority. We focus on risk mitigation to generate attractive risk-adjusted returns. We also plan for holdbacks or earnouts to keep our partners in a comfortable financial position.
Government Guaranteed Loans
AVANA has extensive experience managing loans backed by government programs like SBA 504, 7a, and USDA. These programs are valuable as they provide businesses with essential capital and offer significant credit enhancements to lenders.
Portals to Support Your Investment Workflow
Participation Desk
A platform designed to streamline access to commercial real estate (CRE) loan opportunities, with controls that support internal workflows:
- Lending preference management to align opportunities with strategy
- User management to support internal controls
- Email notifications to keep stakeholders informed
Find Opportunity to Invest →
Reporting Portal
Tool designed for ongoing visibility and governance-friendly reporting access
- 24/7 access for on-demand visibility
- On-screen viewing, or Excel/PDF export
- User management and role-based access
- Granular report access to support internal governance
Login to Reporting Portal →
How to invest with AVANA
Connect
Review
Due Diligence
Onboard
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
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.