Credit Unions
Partner with a Credit Union Service Organization (CUSO) that uses modern technology for end-to-end servicing. This way, you can focus on your top priority: Servicing your members!
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Who We
Serve
Credit unions are community-focused, non-profit financial institutions that have been dedicated to supporting communities across the USA for over a century.
For You, not profit
2X
People place twice as much trust in Credit Unions as they do in larger banks.
4x
Credit unions significantly enhance the satisfaction of small businesses, making them four times happier.
We Offer Complete Support and Service Solutions for Credit Unions
At AVANA CUSO, we take pride in our robust partnership with over 80 Credit Unions, a number that continues to grow each year. We recognize the critical role Credit Unions play in effectively supporting their members and local communities, while generating risk-adjusted returns to achieve their long-term objectives.
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Participations
To maintain a healthy investment mix, balance your funds between established loans and new participations. Additionally, consider expanding your investments beyond local communities for better diversification.
Underwriting
We meticulously evaluate and assess risks, adhering to all regulations, to make informed investment decisions and enhance your loan-to-share ratios.
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Term Loan Review
We carefully examine everything to spot any risk early on, making sure our investments are performing as per expectation.
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Servicing
We ensure comprehensive guidance throughout the entire duration of your loan, from loan origination to full repayment. Our plans are meticulously designed to align precisely with your needs.
We Are Investing in Technology Such as Artificial Intelligence, Cybersecurity, and Process Automation to Ensure Our Credit Union Partners Remain at the Forefront of Their Digital Transformation Journey
Reporting Portal
24/7 access, on-screen viewing, Excel export options, user management, and granular report access.
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Participation Desk
Overhauled interface, lending preference management, user management, email notifications.
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Your Investment Supports SME Businesses in the Commercial Real Estate Sector, Fostering Growth and Job Creation for Our Economy
Hospitality
Lending solutions tailored to the hospitality sector, facilitating financing for hotels and resorts to support their growth and operational needs.
Retail
We offer flexible loan choices tailored to suit retail properties, helping business owners grow.
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Office
We provide essential financial support for office spaces, empowering entrepreneurs to upgrade and fully utilize their properties.
Industrial
We are helping business owners find the best ways to fund their industrial properties like warehouses, manufacturing places, and logistics centers.
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Storage
We help storage businesses manage and grow their self-storage and distribution centers, by providing custom-made funding solutions.
Mixed Use
We offer versatile loan solutions for mixed-use projects that combine residential, commercial, and retail elements, helping business owners thrive.
Conventional Loans
We carefully design our loans with the needs of Credit Unions as our top priority. We focus on risk mitigation to generate attractive risk-adjusted returns. We also plan for holdbacks or earnouts to keep our partners in a comfortable financial position.
Government Guaranteed Loans
AVANA has extensive experience managing loans backed by government programs like SBA 504, 7a, and USDA. These programs are valuable as they provide businesses with essential capital and offer significant credit enhancements to lenders.
Client Testimonials
A Few Live Projects to Participate In:
Retail Center in Jackson Deal
Loan Purpose:
Acquisition
Loan Type:
Retail
Loan Amount:
$6,734,000
9-Story Office Building
Loan Purpose:
Acquisition
Loan Type:
Office
Loan Amount:
$14,200,000
65-Unit Hotel Deal
Loan Purpose:
Refinance
Loan Type:
Hotel
Loan Amount:
$18,800,000
Energy Storage Project in NY
Loan Purpose:
Construction
Loan Type:
Renewable Energy
Loan Amount:
$5,408,361
Our Team
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About Chad Witcher
Prior to joining AVANA Companies, Chad had an exemplary 20-year career at Zions Bank serving in several capacities, most recently as Senior Vice President and Director of its National Real Estate division where he oversaw the bank’s nationwide wholesale lending platform and multi-billion-dollar commercial real estate portfolio specializing in SBA 504 financing.
