Collaborative lending with Partners empowers mission-driven lenders to fund bigger loans, manage liquidity, share risk, and have more impact than they could alone. Together, we strengthen low-income communities nationwide.
Why team up with PCG?
Joining forces with Partners strengthens your offerings and your impact. Here’s what you gain when you participate with us:
- Fund bigger loans without over-extending your lending limits.
- Manage liquidity by selling or buying portions of a loan.
- Manage risk and borrower loan concentration by sharing principal exposure.
- Meet Community Reinvestment Act goals.
What we finance
Our lending supports projects that deliver measurable benefits to low-income people and communities.
We finance:
Affordable housing
Community facilities, such as education, health, and social services
Commercial real estate
How participation and/or lending works
Participation and/or syndicated lending can involve two or multiple lenders, and one lender is the lead originating lender. A participation agreement is executed among all lenders that sets loan types, roles, and fee splits for every partner. In two-party deals we co-lend by buying and equally sharing risk with our partner in proportion with the amount of loan capital provided. In multi-party deals, we tailor the proportional share of funding and risk depending on the needs for the project financed. The originating lender is the borrower’s primary contact, leads underwriting, and manages direct loan servicing, giving the borrower one seamless loan.
Rates & terms
We keep collaborative structures straightforward and flexible. Our offerings:
PCG Loan Fund
- Partners’ participation share: up to $2 million
- Term: up to 5 years
- Loan-to-value: up to 90%; higher on a case-by-case basis
EJP Fund
- Total financing: up to $6 million
- Term: up to 7 years
- Loan-to-value: up to 90%; higher on a case-by-case basis