ING Bank Loan Participation Program

Program Description

ING is partnering with commercial banks to improve a bank’s competitive position in the local, commercial real estate lending market. ING will participate with a bank on commercial real estate construction lending opportunities, short-term permanent loans or acquisition of existing commercial real estate loans within a bank’s portfolio. ING’s focus is on income producing assets on property types that include industrial/warehouse, retail, apartment and office.

ING can add value to a Bank

• Participate in loans to borrowers who have met the bank’s credit limit
• Participate in larger loans that exceed the bank’s internal or legal limit
• Participate in loans that require very competitive pricing
• Manage commercial real estate loan exposure
  
  

Participation Structures

• Pari-Passu up to 100% of the loan
• Senior-Subordinate (A/B) structure
• Significantly increase Bank yield
  
  

Size Range

• Construction loan participations and short-term permanent loans - ING’s investment minimum $10-15MM
• Portfolio - $30MM; minimum individual loan size $2MM
  

Benefits to Bank

• Bank retains servicing
• Bank maintains customer control and relationship
• ING is not a local competitor to the Bank
• Increase bank profitability on transactions
• Improve bank competitive position on price sensitive transactions
  
  

Benefit of Working with ING

• Very competitive capital
• Flexible structuring capacity
• Not a local competitor – not interested in deposits, trust accounts or other business lending opportunities

Contact

John Foley – (770) 690-4805