Land and construction loans carry the highest risk and the closest supervisory attention — the 100%-of-capital construction concentration screen applies here. Lenders sell stalled, over-budget, or non-core construction credits to a buyer who can underwrite completion risk, rather than taking over a half-built project.
A partially built project has no income, an uncertain completion cost, and real execution risk — the last thing a lender wants to own and finish through a foreclosure. Construction and land loans also pressure the 100%-of-capital concentration screen, giving institutions a direct reason to trim them.
Send the budget, plans, draw history, and status; a buyer prices completion and exit risk into the bid, then closes all-cash. 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 buyer underwrites the cost and risk to complete or reposition and prices accordingly; selling transfers the completion risk off your books.
Construction and land development at 100%+ of total capital triggers heightened supervisory analysis — a common reason to sell these credits.
Standing Bid Capital, directly and all-cash, $250K–$25M.