1Oak Lending provides banks, credit unions, and institutional lenders a confidential, efficient channel to move CRE notes and distressed assets off the balance sheet — without disrupting borrower relationships or triggering public market exposure.
Regulatory pressure, concentration limits, CECL reserves, and matured loan workouts create real urgency to move CRE credit off the balance sheet. Finding the right buyer — one who underwrites quickly, closes reliably, and doesn't disrupt your institution or borrower relationships — is rarely straightforward.
1Oak is a discretionary, family-office-backed acquirer. We underwrite internally, require no financing contingencies, and operate with institutional confidentiality at every stage. When you submit an asset, you deal directly with our principals.
Submissions are reviewed by our credit team within 24 hours. A formal indication of interest or term sheet follows within 48–72 hours of receiving complete deal information.
1Oak acquires notes and REO with committed capital. There are no third-party financing requirements, no syndication delays, and no closing contingencies tied to capital raises.
We do not market assets publicly or engage outside brokers without your express authorization. Your institution, your borrower, and the asset stay entirely out of the market.
Our credit team reviews every submission against a consistent underwriting framework. You receive a formal written indication of interest — not a phone call — within 48–72 hours.
We can acquire the note outright, participate alongside your institution, or structure a preferred equity or mezzanine solution depending on your balance sheet objective.
We've designed a streamlined process specifically for institutional counterparties. No lengthy intake calls, no NDAs required to receive terms — just a straightforward path from first submission to formal offer.
Complete the secure submission form below. Provide note balance, property information, borrower status, and any relevant financials. The more complete the submission, the faster our review.
Immediate ConfirmationOur principals and credit team review the submission against our acquisition criteria. We may reach out with targeted follow-up questions to ensure a complete underwriting picture.
Within 24 HoursWe issue a formal written term sheet outlining purchase price, structure, timeline, and any outstanding diligence requirements. No verbal indications — you receive a document.
48–72 Hours from SubmissionUpon acceptance of terms, we move into a focused diligence period followed by closing. We work to your timeline and maintain full confidentiality through close and beyond.
Determined at Term SheetWe evaluate CRE notes and assets across a broad range of property types, note statuses, and deal structures. The common thread is transitional collateral with a clear path to resolution — whether through payoff, stabilization, or sale.
Loans in default, matured loans, or loans in workout where resolution has stalled. We underwrite to collateral value and form a clear resolution strategy.
Loans with partial payment, forbearance agreements, or borrowers in financial stress — where continued workout is consuming institutional resources.
Real estate acquired through foreclosure that the institution needs to move off the balance sheet. We transact on an as-is basis and close without sale contingencies.
Institutions managing concentration risk, exiting a market, or seeking to deleverage a CRE book without triggering credit concerns. We acquire with full confidentiality.
Stalled construction, failed spec development, or acquisition / development / construction loans where the project has deviated from the original business plan.
Bridge or term loans past their maturity date where refinance hasn't materialized and continued extensions are no longer viable from a regulatory or credit standpoint.
Complete the form below to initiate a confidential review. All fields marked with an asterisk are required for an initial assessment. Additional diligence materials can be shared once we've issued a preliminary indication of interest.