Meridian Note Capital brokers performing residential, commercial, and CRA-qualifying loan paper between community banks and institutional buyers. Single notes to nine-figure portfolios. Precise matching. Institutional diligence.
We facilitate transactions across the full spectrum of performing community bank and lender-originated debt, from individual notes to whole tapes.
Individual seller-financed loans through whole bank tapes. Standard residential paper originated by community lenders and servicers.
Owner-occupied and investor property loans originated by community banks. Small-balance commercial through mid-market portfolios.
Performing notes in low-to-moderate income designations that carry CRA credit value for acquiring institutions. A direct pipeline to compliant paper.
CFOs, Chief Credit Officers, and VP-level portfolio managers at community banks, credit unions, and regional lenders managing concentration risk, regulatory pressure, capital ratios, or liquidity objectives.
Mortgage investment funds, private credit vehicles, family offices, and insurance company portfolios seeking off-market community bank paper they cannot source directly. For banks with CRA pressure, a direct pipeline to compliant performing assets.
We don't compete on volume. We compete on speed, accuracy, and the institutional credibility that gets us in front of bank boards and allocation committees.
Loan-level risk pricing in hours, not weeks. We deliver board-ready diligence packages that accelerate decisions and compress transaction timelines.
The CRA angle creates a two-sided institutional need that most note brokers don't understand, let alone serve. We speak both the regulatory language and the capital markets language.
We source performing note product from community banks, credit unions, and mortgage lenders that institutional investors cannot access through traditional channels.
Every touchpoint, every diligence package, every communication reflects the institutional standard our clients expect. Meridian Note Capital operates at the intersection of community banking, private credit, and institutional capital markets.