Preserving Wealth. Creating Growth.
We follow a robust underwriting process to understand and actively manage risk.
Fundamentals of Success
AVANA Companies operate according to fundamental principles that guide our work and foster our relationships.
Performance
High quality, rigorous and consistent risk approach from origination to portfolio mangement
Niche CRE and Small Business Lending expertise
Collateral valuation and maintenance
High recovery rates
Culture
Purpose: Capital for a Better Tomorrow™
Diversity
Entrepreneurial mentality
Always learning and growing
Integrity
Digitization and technology
Independence
100% private-owned
Alignment of interests with clients by investing alongside
Separation of origination and authorization of loan funding
Independence and governance
Investment Ethos
Our investing and funding process is guided and driven by Eight key principles. We refer to these as our 'Investment Ethos'.
Credit Discipline
We prioritize investments in reliable and steady loans. Any exceptions to our policies are mitigated to manage credit risk.
Risk Control
People in every role, from Sales to the Underwriter and even those in Operations, concentrate their efforts on identifying and mitigating risks.
Market Inefficiency
We are experts in finding opportunities in the unique area of commercial real estate and hospitality finance.
Niche Specialization
We have over 22 years of specialized experience in providing funding for SMEs, particularly in the hospitality industry.
Macro Forecasting
We avoid reliance on macro forecasting, and focus on ground-level information.
Timing the Market
Rather than attempting to predict market trends, our attention is devoted to examining the cash flow, the entrepreneur's operating experience, and financial capability.
Lockstep of Purpose and Profit
We're dedicated to lending that promotes positive social change, fueling economic progress in communities across USA.
Alignment of Interest
AVANA invests alongside Investors in a 90%/10% structure. We make money only when our investors make money from their investments.
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Our Robust Underwriting Process
We follow a thorough seven-stage method, from the loan origination to disbursal. This allows us to optimize for efficiency and effectiveness in our loan process.
10% of inquiries advance to BDO Pre-Screen
50% advance to Pre-Flight - BDO & UW review
50% advance to LOI - Deal chat review by sales, credit & CFO
50% of LOI advance to full DD and get funded
Active Portfolio *
AVANA's strong investment ethos is reflected in our portfolio. We currently hold 169 active loans with total original loan amount of $0.87 billion against total appraised collateral of $1.37 billion.
