Credit unions sell commercial and member-business CRE loans to manage member-business-lending limits and concentration, resolve a classified credit, or redeploy capital. A direct, all-cash sale of a single credit is fast, confidential, and avoids a drawn-out process — the NCUA's framework recognizes loan sales and participations as portfolio tools.
Share the loan tape under NDA; a principal buyer prices to the collateral and recovery path, provides proof of funds, and closes all-cash, typically in weeks, with no re-trade. Single credits are welcome — there is no portfolio minimum. Standing Bid Capital is a direct principal buyer of CRE loans, discounted payoffs, and REO — $250K–$25M, all-cash, no re-trade, confidential. Request a confidential review.
Yes — a direct buyer will purchase a single credit; there is no need for a portfolio. Standing Bid Capital buys from $250,000 per loan.
A note sale transfers the loan to the buyer; the member's obligation continues with the new holder. A direct buyer handles the transition professionally and confidentially.
Those are exactly the credits a direct sale resolves quickly — converting a classified asset to cash and reserve relief.