Portfolio Loans: Customized Commercial Financing Held In-House

A portfolio loan is simply a loan that a bank or financial institution, like [Your Company Name], chooses to keep on its own books rather than selling it to investors in the secondary market (as is common with many conventional or CMBS loans). Because we are not bound by the strict requirements of outside investors for these loans, we can often be more adaptable.

Not all commercial lending needs fit neatly into the standardized boxes of the secondary market or rigid institutional guidelines. At Crestico, we understand that some borrowers and properties require a more personalized and flexible approach. That’s why we offer Commercial Portfolio Loans – financing solutions that we originate and often hold “in-house” on our own balance sheet, rather than immediately selling them.
This ability to keep loans within our own portfolio gives Crestico greater discretion and flexibility in our underwriting decisions and loan structuring. It allows us to consider the bigger picture, build stronger relationships with our borrowers, and finance unique or complex commercial real estate scenarios that might be challenging for other lenders.