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GoDocs Insights

Where Banks, Credit Unions, and Private Lenders turn for
industry insights.
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Commercial Lending

3 Core Workout Strategies for Distressed Commercial Loans

In today’s commercial lending environment, even thoroughly researched, well-structured loans can experience challenges. When that happens, lenders do not have to react without protections or alternatives. While lenders cannot control interest rates, inflation, or broader market volatility, they can control the tools they have available and the options they can create to respond to their distressed loans.  The most successful lenders know that timing, options and flexibility make the greatest differences when crafting a successful workout....

March 9, 2026
Commercial Lending

Signs a Commercial Loan May Require a Workout

Successful commercial lending decisions rely on timing, vigilance, and control. While lenders cannot influence interest rates or the broader market, they can control how quickly they respond when loans begin showing signs of stress. From our experience working with the most successful lenders, proactivity by those lenders clearly is essential. Those lenders who achieve the best outcomes have the tools to identify early warning signs which...

February 10, 2026
Commercial Lending

Lending Momentum Is Back but the Smart Money Is Moving Differently

After two years of cautious optimism, commercial real estate (CRE) lending is officially back on the move. According to the latest CBRE Lending Momentum Index, total CRE investment volume hit $112 billion in Q3 2025, up 13% year-over-year. Lending activity in 2025 doubled from last year, up 112% YoY, reaching its highest level since 2018....

November 20, 2025
Banks
small business loans

Why Small Business Loans Are Poised to Surge Through 2026

The only clear trend at this time is that economic uncertainty is expected to remain a constant for the next several years, thereby setting the stage for a surge in small business loans.   As larger corporations delay growth plans while they wait for the global economy to stabilize and as the labor market continues to...

September 24, 2025
Banks
How Lenders Can Prepare for the Downcycle

Resilience Is Built in the Quiet Before the Storm: How Lenders Can Prepare for the Downcycle

When the market softens, lenders who come out on top are not the ones who react fastest. They are the ones who are already doing the work.  I saw it firsthand during the Great Recession. While big national players struggled to regain their footing, one smaller regional lender stood out. Why? They were disciplined. They...

July 7, 2025
Banks

When Others Shelter, It’s Your Time to Lead

In Uncertain Times, Precision and Intentional Action Set Top Lenders Apart When the market feels uncertain, many commercial lenders instinctively pull back. They pause loan approvals, tighten underwriting, and wait for clearer signals as to where the market is headed. It’s a natural reaction, especially when billions of dollars in commercial mortgages are coming due...

July 1, 2025
Banks
How should lenders approach loan modifications in 2025?

How Should Lenders Approach Loan Modifications in 2025?

Commercial Loan Modifications Are Coming: Here’s How Financial Institutions Should Prepare If your institution isn’t already reviewing its loan portfolio for loans that may be facing potential challenges either with the financial strength of the loan parties or the financial performance of the collateral assets, the rest of 2025 might hit harder than it needs...

June 30, 2025
Banks
Loan Portfolio Diversification: Your 2025 Survival Strategy

Is Your Loan Portfolio Built for What’s Next?

If you’re looking for a 2025 survival strategy, start by rethinking how you diversify your loan portfolio. As we enter the midpoint of a high-pressure economic year, one truth is becoming crystal clear for commercial lenders: diversification isn’t optional; it’s essential. Lenders who always keep a close eye on viewing all loan transactions as part...

June 18, 2025
Commercial Lending
Think Like an Insurance Company

Think Like an Insurance Company to Minimize Commercial Lending Risk During an Uncertain Economy

As economic chaos continues, commercial lenders face a critical question: how do you protect your portfolio before problems become losses? The answer may lie in an unlikely place: the disciplined, time-tested playbook followed by insurance companies.  Why Insurance Companies Outperform in Downturns Insurance companies consistently demonstrate lower default rates on commercial loans compared to banks...

June 9, 2025
Banks
Drone photography of old abandoned factory house in ruins during autumn cloudy day

What Steps Can Commercial Lenders Take to Avoid Catastrophe from Natural Disasters?

Why Disaster-Proofing the Commercial Lending Processes Is Crucial As regulatory requirements tighten and climate-related risks increase, disaster-readiness is no longer optional for commercial lenders. Risk assessments must now account for the potential of natural disasters, cyber threats, and global market disruptions. Modernizing and disaster-proofing your lending processes is critical to operational continuity, legal and regulatory...

June 9, 2025
Banks

When States Step In: The Regulatory Ripple Effect in Commercial Lending

In his recent article, “CFPB Will Rewrite Small-Business Lending Rule”, Ebrima Sanneh of American Banker sheds light on the uncertain future of the proposed small business lending rule by the Consumer Financial Protection Bureau (CFPB). The article also discussed the growing likelihood that state governments will take the reins as federal enforcement wanes. This shift...

May 27, 2025
Banks
Flat image of multifamily housing white and tan

Multifamily Lending Outlook 2025: Cautious Optimism in a Shifting Economic Landscape

The multifamily real estate sector has been a stable and growing sector of real estate investment for over a decade. Despite the recent domestic and global economic turmoil investors are facing coming out of Q1 of this year, 2025 is shaping up to continue that trend, albeit with a more complex set of challenges and...

May 8, 2025

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