We are able to origninate a number of types of loans we consider of good quality not often favored by certain banks or regulators. Some examples include:  

Cash Out Loans. If we are satisfied with the collateral and the borrower, we do not mind the borrower taking funds out of the loan closing for use in another project or for some other use.  

Multiple Renewals.  We are often approached by a borrower which has been current but has renewed a loan two or three times and which the bank now desires to be moved. Where other banks are reluctant to consider these, they are often a desirable loan for us.  

Time Sensitive Loans.  We are able to commit and fund more quickly than commercial banks because of our small committee system and the fact that we do not require an appraisal. We are often called upon to consider a loan that a bank or other lending institution has rejected with maybe two weeks or so left before the required closing date. We do not consider a bank rejection to be a problem as long as we like the proposal.