At PCBB, we clearly recognize the importance of a rapid response to requests for Loan Participations. The growing number of community banks that have recently sold us participations are making special note of our rapid turn around on their transactions. We also recognize the importance that many banks place on reciprocity as it relates to selling loan participations.

Consequently, a very important part of our participation activity is our focus on selling participations to those banks that sell participations to us. We appreciate the fact that most community banks have a local network of banks that they frequently use to sell their participations.

Our goal is not to replace these valuable networks, but to simply provide community banks with an additional source for selling their participations, an alternative source that will never compete with them for their customers. Additionally, many of our respondents use Loan Participations to help them manage concentration risks, liquidity and legal lending limits without introducing their customers to the competition.

PCBB underwrites and keeps a piece of every participation purchased. The combined limit of the lead bank along with that of PCBB is usually large enough to cover most participation requests.

Types of Loans Participations we purchase include, but are not limited to:

• Commercial and Industrial Loans
• Acquisition and Development Loans:
• Construction Loans
• Commercial Real Estate Loans Asset Based Loans
  • (i.e., the types of loans that are generally being made by the community banks we serve)

The Benefits of Buying and Selling Loans with PCBB:

• Receive final approval and funding completed within the timeframe your customer requires.
• Quick turnaround where an initial response is provided by your PCBB Loan Officer within 48 hours on all transactions.
• As a result of PCBB's legal lending limit, PCBB can often purchase the entire amount you need to sell!
• PCBB is your partner, not your competitor. We do not originate loans in your marketplace and we will never compete for your borrowers' business.
• Originating bank is encouraged to retain a servicing fee providing an opportunity for additional revenue generation.
• PCBB independently underwrites and retains a portion of each participation offered for sale.
• PCBB has a dedicated staff of experienced lenders that focuses on loan participations - Our primary lending line of business!
• Extensive experience underwriting commercial/industrial loans, commercial real estate and construction loans.
• The priority for purchasing participations from PCBB is given to banks that sell participations to PCBB.
• PCBB manages the participation process with other participants so your lenders can focus their time on developing new deals.

Link below to learn more about the Banking Services we provide!

Cash Management Services	Capital Market Services
De Novo Bank Services	Check 21 Solutions