A sub-performing loan is paying but impaired — slow, partial, interest-only, or otherwise weak enough to be criticized or classified even though it has not fully defaulted. Lenders sell sub-performing credits to remove a classified asset, free reserves and capital, and avoid a slide into full default.
Share the loan tape under NDA; a principal buyer prices to the collateral and recovery path, provides proof of funds, runs focused diligence, and closes all-cash — typically in weeks, with no re-trade. 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.
A non-performing loan has stopped paying as agreed (or is 90+ days past due / non-accrual); a sub-performing loan is still paying but impaired — slow, partial, or structurally weak enough to be classified.
Yes — lenders sell performing loans too, for portfolio, concentration, or non-core reasons. See why banks sell performing loans.
$250,000 to $25 million per loan or asset, single credits or small portfolios, nationwide.