When a loan runs past your hold limit, Helvetica takes a piece so you can close it — and keep your borrower.
A good loan arrives above your concentration limit, above your single-borrower cap, or simply above what you want on the book this quarter. The usual choices are all bad ones: decline it, shrink it and lose the deal, or chase capital and miss the close date. A participation is the fourth choice.
Term sheet, value support, borrower summary, preliminary title.
Our own credit read on your file. An answer in days, not weeks.
Participation agreement, funding, servicing setup.
You remain in control. We hold our interest and receive our pro rata payments.
Helvetica takes an equal slice of the same first mortgage on the same terms. Same lien, same risk, same rate, payments split pro rata. We do not sit behind you and we do not price ourselves ahead of you.
We do not solicit your borrower.
Participations are documented and funded through Raiseli, a syndicated loan platform. Raiseli fractionalises the note and handles the participation documents, funding, payment splits and reporting.
Using Raiseli keeps the origination lender as the lender of record, automates pro-rata payment distributions, and gives both parties a single source for reporting and servicing — without the back-office overhead of a traditional syndication.
raiseli.comHelvetica holds California Department of Financial Protection and Innovation and California Department of Real Estate licenses. Most California private lenders do not lend outside the state because crossing state lines triggers separate licensing, registration and regulatory requirements — and they cannot syndicate a loan outside California on their own paper. Raiseli's legal structure is built to support syndications in other states, so investor participations can reach loans beyond California.
We can syndicate your California-secured loan through Raiseli to investors in California and other states, so a loan larger than your fund can carry still closes on your paper.
We can review out-of-state participations case by case. The structure depends on the collateral location, licensing in the relevant jurisdiction and the legal framework for the deal.
Participation structures are reviewed case by case and are subject to licensing and legal review in the relevant jurisdiction. Nothing on this page is an offer or legal advice.
A mixed-use acquisition that ran past what one balance sheet wanted to carry alone. Helvetica syndicated the participation through Raiseli to one fund and 15 private investors. The originating lender stayed lender of record and the borrower closed on the original schedule.
A ground-up retail construction loan with a draw schedule and a hard delivery date. Helvetica assembled the participation through Raiseli across two funds and ten private investors, so the full commitment was in place at closing rather than assembled draw by draw.
A Texas retail acquisition that needed California-originated capital. The lead lender was licensed in California but could not syndicate outside the state on its own paper. Through Raiseli, Helvetica structured a pari passu participation with one fund and eight private investors so the loan closed on time.
Helvetica has funded alongside private lenders and funds nationwide since 2003.
The questions private lenders ask us most often before sending a file.
If the loan is real and the file is clean, you will have our read within days.
Experience the difference of working with a lender that understands your needs and delivers results.
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