Built for Community Banks, Credit Unions,

and Real Estate Experts

We’ll help you sell your non-core mortgage loans from your bank, credit union or financial planner, in a discreet and professional manner.

If your loans are no longer aligned with your strategy, here at Sterling Run Capital we are committed to our community and try to provide reliable second market liquidity options for you, while maintaining your reputation.

Community Banks

The Challenge

Community banks usually have:
  • Legacy loans beyond current interest
  • Small-balance notes that “absorb oversight”
  • Performing loans with little strategic value
  • Transitional or stressed assets in need of attention
You know your priorities:
  • Capital preservation
  • Protect borrower relationships
  • Reputational risk avoidance
  • An assured exit

The Sterling Run Solution

STERLING RUN IS STRUCTURED DIFFERENTLY

Sterling Run acquires performing and distressed real estate backed notes in Central Pennsylvania.

We are:
Sterling Run long term

Long Term Financial Backers

Sterling Run conservative underwriting services

Sound Underwriters

Sterling Run direct

Direct Decision-makers

Sterling Run alignment

Predictable Closers

We underwrite conservatively, proceed cautiously, and close as planned.

The Transformation

What you get:
  • Balance sheet flexibility
  • A discreet portfolio clean up
  • An option for capital redeployment
  • Peace of mind that the borrower relationship is maintained

Credit Unions

The Challenge

Credit unions must maintain a balance between:
  • Member relationships
  • Regulatory oversight
  • Capital limitations
  • Non-core real estate risks

When a mortgage can no longer be supported, you need an exit strategy that is mission-driven, not driven by transaction.

Our Solution

Sterling Run Capital provides discretion-based secondary market liquidity suitable for relationship-focused organizations.

We:
  • Underwrite responsibly
  • Close with committed capital
  • Do not escalate unnecessarily
  • Prefer cooperative borrower workouts

We know member continuity is important.

The Transformation

Build your reputation and release capital for more productive lending opportunities.

Regional & Portfolio Managers

The Challenge

Managing multiple real estate notes requires dealing with:
  • Legal timeline risk
  • Performance variability
  • Allocation of resources
  • Committee fatigue
  • Managing labor resources 
  • Maintaining relationships

Non-core notes hinder strategic planning.

Our Solution

Sterling Run can be a trusted backup route for:
  • One-off note sales
  • Small tape transactions
  • Cleanup of portfolios

We are not a numbers business. We establish long-term partnerships. We are a Boutique firm, selective deals, specialized expertise and high trust and repeat clients.

The Transformation

Administrative burden is reduced, allowing you to concentrate on growth drivers.

Real Estate & Bankruptcy Attorneys

The Challenge

Attorneys often encounter:
  • Stalled real estate notes 
  • Short deadlines
  • Clients who need liquidity to repay their debts
  • Transitional properties
  • Need for a discreet solution

You need a buyer who knows how to navigate the legal clock.

Our Solution

Sterling Run evaluates notes based on:
  • Legal enforceability
  • Timeline risk
  • Collateral position
  • Borrower background

We work fast and professionally while treating borrowers with respect.

The Transformation

You will have access to a reliable resolution company for your real estate backed issues. In instances of bankruptcy or probate, a sale will be reviewed by a bankruptcy judge, Trustee, opposing counsel or creditors.  The attorney must show the sale is legitimate, the buyer is credible and the transaction is fair.

Select Private Investors

The Challenge

Individuals looking to invest in real estate tend to face challenges such as:
  • Public market volatility
  • Highly leveraged funds
  • Speculative blind-pool approach
  • Complex institutional environment

Our Solution

At Sterling Run, we make private investments in:
  • Performing mortgage notes 
  • Select distressed opportunities 
  • Conservatively structured real estate-backed credit 
  • Real estate collateral

We have low overhead and sound underwriting.

The Transformation

Stable income. Less risk/exposure. Longevity.

Conversations Help Identify Discerning Balance Sheet Solutions.

Sterling Run offers the kind of discerning balance sheet solutions community lenders look to have provided if any of your loans are simply not serving you any longer, whether those loans are characterized as performing or non-performing, legacy or transition, you can contact us, and we would be happy to take a look.