Investment Solutions for Investors

Private Credit, Secured by Real Estate

Buy, build, or refinance the property your business runs on. Through AVANA and our national lender network, you get commercial real estate loans that pair competitive, market-indexed pricing with structures built around your cash flow

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Since 2002 · $6.5B+ Funded · $1B AUM
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Select the Investor Profile That Best Matches Your Needs

Institutional Investors

For institutions evaluating secured private credit with process transparency, documented diligence, and reporting support

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Family Offices

For family offices seeking CRE-collateral-backed private credit through funds, direct participation, or SMAs

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Financial Advisors

For advisors sourcing the private credit allocations for eligible clients with clear structures, oversight support, and reporting access

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Accredited Retail Investors

For accredited investors seeking access to secured private credit opportunities via the EqualSeat™ 506(c) platform pathway

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Credit Unions

For credit unions seeking CRE participation solutions and operational support through AVANA CUSO.  

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Our Businesses

$1.9B+

AVANA Capital funded (since 2002)

$4.5B+

AVANA CUSO funded (since 2002)

7.49%

Unlevered avg. net return (2015–Q1 2025): performing loans

6.01%

Unlevered avg. net return (2015–Q1 2025): all loans

Ways to Invest

Closed-end Private Credit
Funds

Access pooled exposure to secured private credit backed by commercial real estate collateral. Terms, availability, and eligibility vary by offering documents.

Direct Participation in Select Loans

Invest alongside other participants in specific commercial loans, where available. Participation mechanics, documentation, and timelines are governed by the underlying transaction terms.

Separately Managed Accounts (SMAs)

A tailored structure designed for larger mandates that may support customized portfolio parameters and reporting preferences, subject to feasibility and offering terms.

Platform-based Access (for Eligible Investors)

A digital pathway that may enable smaller allocations and streamlined onboarding, subject to eligibility, verification requirements, and offering documents.

Credit Union Participation Solutions (via AVANA CUSO)

For credit union partners, access participation workflows supported by servicing and reporting tools, subject to program eligibility and documentation.

Financing for SME Businesses in the Commercial Real Estate Sector

Franchised Hotels

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Franchised Restaurants

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Industrial

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Manufacturing Facilities

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Medical Offices

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Mixed-use

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Multifamily

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Retail

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Self-Storage

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Warehouse

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How to Invest with AVANA

Connect

Share objectives and confirm eligibility and timeline.

Review

Receive materials and evaluate the investment options available.

Due Diligence

Complete due diligence with C-Suite so the investment strategy, allocation, capital deployment and redemption is fully understood by prospective investor

Onboard

Complete required verification and onboarding, including KYC/AML and accredited investor verification where applicable.

Invest

Execute documentation and fund in accordance with offering terms.

Monitor

Access statements and updates via email and/or the Investor Reporting Portal, plus ongoing investor communications.
Invest with AVANA

How we Manage Risk

AVANA’s approach is designed to help identify, evaluate, and monitor risk across the life of a loan. While no process can eliminate risk, AVANA emphasizes disciplined underwriting, documented diligence, and ongoing monitoring.

Pre-Screening

Review opportunities against defined underwriting requirements before advancing

Underwriting and Diligence

Analyze collateral and cash flows, evaluate sponsors/guarantors, and review transaction risks (including legal/title and other third-party inputs as applicable)

Documented Decisioning

Document diligence outputs (including credit memo materials where applicable) to support consistent review

Closing Controls

Complete documentation and collateral steps prior to funding

Ongoing Monitoring

Conduct periodic credit reviews and additional review as conditions warrant

Compliance Procedures

 Investor onboarding includes KYC/AML and related verification steps as applicable to the investment vehicle

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

Learn more about our Investment Ethos

Our Values and Social Mission

For 23+ years, we’ve paired a social mission focused on job creation with disciplined stewardship of investor capital—seeking to deploy capital responsibly and support communities over time.

We protect wealth

Rigorous analysis and, where applicable, independent third-party input inform prudent lending decisions and ongoing oversight.

We create growth

We support businesses and projects that may contribute to job creation and local economic activity.

We partner

We treat borrowers as long-term partners and prioritize clear process and responsive execution.

We enable change

We support innovation in power generation by providing capital aligned with our underwriting standards.

Frequently Asked Questions

Find answers to common questions
Which investor types are a fit for AVANA’s private credit options?
Fit depends on eligibility, investment objectives, and offering requirements (including accredited investor verification where applicable). AVANA can help investors evaluate which structure best aligns with governance needs, allocation size, and desired reporting workflows.
What investment structures are available?
Options may include closed-end funds, direct participation in select loans, SMAs, and a 506(c) platform pathway—subject to availability and eligibility. Final terms are governed by offering documents.
What is the difference between the platform pathway and other options?
The platform pathway is designed to support fractional participation at smaller minimums, while other options may be designed for larger allocations or greater customization. Availability and eligibility depend on the offering.
What is the liquidity profile for private credit investments?
Many private credit investments are not liquid. Liquidity terms are governed by offering documents and may involve holding to term or maturity.
What does underwriting typically include?
Underwriting typically includes collateral and cash flow analysis, sponsor review, and transaction risk review (including legal/title and other third-party inputs as applicable).
What reporting do investors receive and how often?
Reporting is typically provided via email and/or an online portal; content and cadence vary by vehicle and offering documents. Investors may also receive correspondence as needed.    

Proven Success Stories

We’ve helped businesses across industries

38-Unit Multifamily in Newark, NJ
Featured

38-Unit Multifamily in Newark, NJ

Loan Purpose:

Cash-Out Refinance

Asset Class:

Multi-Family

Loan Amount:

$5,450,000

The Hotel Majestic in San Fancisco, CA
Featured

The Hotel Majestic in San Fancisco, CA

Loan Purpose:

Cash-Out Refinance

Asset Class:

Hotel

Loan Amount:

$5,500,000

Invest with AVANA

If you are evaluating secured private credit allocations backed by commercial real estate collateral, AVANA can help you compare structures, onboarding requirements, and reporting support
Invest with AVANASchedule a Call ↗

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Our Team

Sanat Patel, AVANA Companies

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.

Sanat Patel
Chief Lending Officer