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SCORE Funds the File, You Keep the Client Relationship & Deposits with Your Bank.

SCORE Commercial Capital works alongside you to close the commercial deals that fall outside your institution's credit box — without ever trying to compete for the relationship you've built with your client.

 Talk to Our Team About a Deal

*ATTENTION COMMUNITY BANKERS*

The Problem We Solve

Every community banker or credit union has faced this moment: a good client, a real business, a deal that makes sense — but it doesn't fit inside your institution's credit box. Maybe it's the loan-to-value, the time in business, the industry, the structure, or the size. Either way, it's you who could easily become a villain of the client's story.

There are usually two options: decline the deal and risk the relationship, or stretch policy and take on risk you shouldn't.

Yet, there's a third and more heroic option. You send us the deals that don't fit. We'll work to get your client financed through our trusted network of lenders.

You become the hero, your client gets funded, and your bank keeps the deposits.

Our Position:

We ARE NOT Your Competitor

This is worth stating plainly: SCORE Commercial Capital DOES NOT compete with community banks or credit unions.

We DO NOT solicit your clients. We don't cross-sell deposit products, treasury management, or any other banking relationship. We don't try to become anyone's primary bank. Our entire business is built around the deals that banks have already declined or can't structure — the ones that would otherwise walk out the door and never come back.

When you send us a client, that client remains your client. We are simply the resource that helps you say "yes, we can still help you" instead of "no, we can't do anything for you."

Why This Matters to You


You protect the relationship with the client.
A decline doesn't have to be the end of the conversation. When you can point a client toward a real path to financing — even outside your own institution — you're the banker who took care of them. That's what they remember.

You keep the deposit relationship, the referrals, and the trust.
Clients don't forget who helped them when things got hard. Businesses that get financed with our help often keep their operating accounts, their treasury services, and their loyalty with the bank that pointed them in the right direction.

You free up your time and your credit box.
You don't need to spend hours trying to force-fit a deal that doesn't fit. Send it our way and stay focused on the business that belongs within your box.

There's no competitive exposure.

We're not building a book of business to steal your relationships. Our role starts and ends with the deal you have that doesn't fit — nothing more.

Four Steps, One File

1

Send

Forward us the file as-is — no extra work on your end.

2

Underwrite

We review the file and price it against real private capital.

3

Fund

We close through our capital source, on your timeline.

4

Return

Your client relationship, their deposits, and their accounts all stay with you. 

No deposit products, no treasury pitch, no calls to your client about anything but the one file we're helping to fund.

Have a Turndown on Your Desk?

Send it our way before you decide on sending them away.

Talk to Our Team About Your Deal

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Deals We Regularly Help With

Loans declined for credit, structure, or collateral reasons

Businesses outside typical time-in-business requirements

Deals too big, too small, or too specialized for a given institution's appetite

Special-purpose or transitional properties

Businesses with complex ownership or capital structures

Time-sensitive deals that can't wait on a traditional underwriting cycle


If you're unsure whether a deal qualifies, the answer is: send it and let's find out.

A Note to Credit and Compliance Teams

We understand community banks operate under real regulatory and reputational scrutiny when it comes to third-party arrangements. SCORE Commercial Capital's role is straightforward and transparent: we are a non-competing resource that banks use to responsibly redirect declined or out-of-box deals, so clients aren't left without options. There is no referral compensation structure driving this relationship — it exists purely to protect the client experience and the bank's standing with its customer.

Frequently Asked Questions

Here are some common questions about our program.

No. We don't offer deposit accounts, treasury services, or any banking relationship. Our role is limited to helping place the specific deal that didn't fit your credit box.

No. This isn't a referral-fee arrangement. It's a resource relationship built to protect your client relationship, not to monetize it.

It stays with you. We have no interest in becoming the client's ongoing financial partner.

Any commercial deal that doesn't fit your institution's credit box — declined, structurally mismatched, or simply outside your current risk appetite.

No.

You don't have to be the banker who says no with nothing else to offer.

Partner with SCORE Commercial Capital and give your declined deals — and your client relationships — a second path forward.

Start a Conversation About a Deal