Lend Fixed, Receive Floating, Generate Fee Income
The ARC Program gives your community bank all the benefits of loan hedging, without the complexities of a traditional interest rate swap.
Bank Earns Floating Rate
Mitigate interest rate risk while providing fixed-rate loans to customers.
Customer Pays Fixed Rate
Stabilize borrower DSCR with long-term fixed rates they need.
No Complicated Swap to Manage
Simple 4-page client addendum written in plain terms.
Provide Long-Term Fixed Rates while Earning a Floating Rate
*At closing, I fix the note for your borrower with a simple 4-page client addendum written in simple terms.
Generate Fee Income
Earn up to 2% of the loan amount that you can recognize as income immediately. Paid to you from me as an ARC referral fee.
Reduce Your Bank's Risks
Reduce credit risk by stabilizing your borrower's DSCR with a long-term fixed rate. Mitigate your bank's interest rate risk with a floating rate loan, helping to stabilize net-interest margin.
No Cost to Use the Program... ever!
There is no cost to sign up for the program and no cost when you book an ARC loan.
*Assumable Rate Conversion (ARC) loans are subject to approval by the client bank
Discover how ARC has helped these borrowers
Brent
CFO - Construction Machinery Distributor
"We have now closed 8 loans and are looking to close 2 more. We choose 15 or 20-year fixed rates, and we used the ARC Program to refinance our shorter term debt from our other banks."
Dave
Real Estate Investor
"Dave's community bank uses the ARC Program to deliver the long-term fixed rate financing Dave needs, while mitigating interest rate risk on their balance sheet."
Devin
Treasurer - National Distributor and Manufacturer
"Although they are very large, Devin's company has refinanced almost a dozen loans with their local community bank using the ARC Program — some loans as long as 20 years! By using ARC, Devin's community bank has closed $43,000,000 in new loans and earned $646,000 in fee income."
Kari
Hotel Operator
"Kari has been constructing and running hotels for over 15 years. She recently took out a new construction loan with a local community bank using the ARC Program. By using the ARC Program, this community bank offered her a $7,000,000 loan on 10 year fixed rate term, while locking in the rate 9 months in advance during the construction period."
All the Benefits of a Traditional Swap Without the Headaches
| Feature | ARC | Traditional Swap |
|---|---|---|
| Fee Generation | ||
| Swap/Hedge Portability | ||
| Hedges for Unique Structures | ||
| No Hedge Accounting or Reporting | ||
| No ISDA Documentation for Bank or Borrower | ||
| No Cash Collateral |
Eliminates the requirement for your loan officers to explain a complex transaction
Puts SouthState's capabilities to work for you, giving your bank the marketing, sales, data and pricing support to better compete in today's landscape
Training provided to all of your lenders
The SouthState ARC team can meet in-person with your borrowers anytime
Your plan to win more loans and beat the competition
Book an ARC Demo
Schedule a personalized demonstration of the ARC Program.
Train Your Lenders
Comprehensive training provided to all of your lending team.
Grow Your Revenue
Start closing more loans and generating fee income.
I Am Ready to Help
Get access to latest market updates, commercial lending trends, and news on how community banks are using ARC to stay ahead of the competition.