Solutions
For credit unions
Expand your commercial lending reach through loan participations sourced from a vetted network of banks, lenders, and fellow credit unions, with regulatory awareness built into the platform.
How credit unions benefit
Portfolio Diversification
Access commercial loan participations outside your primary geographic market. Diversify across asset classes, industries, and borrower profiles without building new origination infrastructure.
Controlled Exposure
Participate at the level that fits your institution. Review full deal documentation before committing, and choose participation amounts that align with your risk appetite and capital position.
Regulatory Awareness
The platform is designed with an understanding of the regulatory environment credit unions operate within, including member business lending caps, concentration guidelines, and examination expectations.
Vetted Counterparties
Every institution on the exchange has been reviewed and approved. Trust scores and transaction histories provide additional visibility into the quality and reliability of potential partners.
Institutional-Grade Security
Document sharing, messaging, and access controls meet the standards expected by regulated financial institutions. Audit trails and compliance-ready record keeping are built into every transaction.
Network Growth
Build relationships with banks, lenders, and other credit unions across the country. Repeated transactions strengthen trust scores and expand the range of opportunities available to your institution.
Regulatory considerations
Fence and Ledger does not provide legal or regulatory advice. The following describes how the platform is designed to operate within the regulatory landscape relevant to credit unions.
Member Business Lending
Credit unions operating under member business lending (MBL) caps can use Fence and Ledger to source participations that fit within their regulatory limits. Deal summaries include loan type and size information to help evaluate fit before requesting full documentation.
Due Diligence Support
The platform's structured document rooms organize deal materials in a consistent format, making it easier for your team to conduct due diligence on potential participations. All access and review activity is logged for your records.
Board and Committee Reporting
Transaction records maintained on the platform can support your internal reporting to boards, ALCOs, and supervisory committees. The platform provides a clear history of deal activity and counterparty interactions.
Explore commercial loan participations
Apply for membership and connect your credit union to a private exchange of vetted commercial lending opportunities.