Standing Bid Capital is a direct principal buyer of CRE loans, discounted payoffs, and lender-owned real estate. We give banks, credit unions, and private lenders a discreet, all-cash path to monetize non-core and situational credit — with execution certainty, no re-trade, and no borrower disruption.
Request a confidential review →We acquire commercial real-estate loans and lender-owned real estate directly from banks, credit unions, and private debt funds.
We review the credit, the collateral, the borrower posture, title, and the recovery path quickly — then provide a clear, written bid, proof of funds, focused diligence, and a definitive close. The result is a credible cash alternative to a prolonged hold, a public sale, or a contested workout. We invest principal capital, supported by committed investor relationships, and close without financing contingencies.
A direct, principal-to-principal process engineered for certainty and discretion. The price in our letter of intent is the price at the closing table.
We lead with a seller-favorable NDA, then review the loan tape and collateral via desktop and public-record analysis.
A clear, written bid with proof of funds. Our pricing already absorbs routine documentation deficiencies and customary deferred maintenance — we price for reality.
A focused review of documents you already hold — title, payoff, valuation, status. We do not re-trade on routine discoveries; earnest money becomes non-refundable at the end of a defined diligence period.
All-cash purchase through a national title company / institutional escrow. We manage the servicing transfer and the borrower transition.
A bank approaching the 300% total-CRE or 100% construction supervisory thresholds sheds a non-core credit to optimize capital ratios before an examination — a discreet, single-asset purchase rather than a public sale.
A lender has extended a credit two or three times with no viable refinance path. We purchase the note at fair value, removing the criticized asset without a costly, headline-generating foreclosure.
A holder of lender-owned real estate is absorbing carrying costs and write-downs month after month. We acquire the asset for cash, halting the drain on non-interest income and returning capital immediately.
Representative situations illustrating where our capital is most useful.
A confidential review begins with the loan tape. Helpful fields:
Current unpaid principal balance, accrued interest, original amount, origination & maturity dates, amortization, lien position.
Fixed or floating, index, margin, any floors or ceilings.
Property type, address, units / square footage, occupancy, most recent appraisal or BPO (date & amount).
Days past due, accrual status, payment history, tax / insurance status, recent rent roll and trailing-12 operating statement.
No. Our underwriting is front-loaded — the bid already assumes standard documentation deficiencies and customary deferred maintenance. It stands through closing absent a material change we could not have known at bid, and our earnest money goes hard at the end of a defined diligence period. We will not put you back in front of your committee to explain a lower number.
No. We invest principal capital, supported by committed investor relationships, and close all-cash with no financing, appraisal, or syndication contingency. Proof of funds and escrow references are provided at letter of intent.
A letter of intent within days of receiving the tape; a close within days to a few weeks of a signed purchase agreement — not the 12–24 months a foreclosure can run.
Never. This is a direct, principal-to-principal transaction — no broker, no syndication, no public process. We buy for our own book. Discretion is the point.
We conduct initial underwriting by desktop and public-record review only. We do not contact borrowers, guarantors, or tenants — and do not visit the property — without your written authorization. Selling the note removes you from the borrower relationship without a contested, public foreclosure.
The loan tape (balance, rate, maturity, status, lien position), property type and location, the most recent valuation, a payoff statement, rent roll, and current legal status. We work from documents you already have.
Tools and plain-English guides for special-assets officers, chief credit officers, and CFOs weighing a loan sale.
Standing Bid Capital transacts as principal, not as a broker — counterparties work directly with decision-makers.
For a confidential review, send the loan tape and current status under NDA. We respond with a clear indication of interest and a practical path to close.