Investment Solutions for Investors
Access secured private credit strategies backed by commercial real estate collateral through multiple investment structures. Choose the pathway that fits your governance needs, allocation size, and onboarding requirements
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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.
Institutional Investors
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Family Offices
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Financial Advisors
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Accredited Retail Investors
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Credit Unions
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Our Businesses
AVANA Capital funded (since 2002)
AVANA CUSO funded (since 2002)
Unlevered avg. net return (2015–Q1 2025): performing loans
Unlevered avg. net return (2015–Q1 2025): all loans
Closed-end private credit
funds
Direct participation in select loans
Separately managed accounts (SMAs)
Platform-based access (for eligible investors)
Credit union participation solutions (via AVANA CUSO)
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
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
Proven Success Stories
We’ve helped businesses across industries
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.