PCM maintains relationships built on the foundation of trust, confidentiality and harmony with many financial, operational and legal advisors.

BANKS

Bank Brochure

In working with corporate lending relationships, a solution to difficult situations is often called in at a critically late juncture in a company's distress. Often the battlefield is littered with:

  1. Fatigued lenders
  2. Angry creditors
  3. Burned-out owners and employees

Typically, the client is armed with grossly inadequate working capital and an impossibly short time to deliver results. PCM lends in non-bankable situations that meet our lending criteria and provides an advisory & placement service in situations that do not meet the lending criteria of PCM.

By utilizing PCM, bankers will:
  1. Discover a solution to remove potential regulatory liabilities from the bank's balance sheet
  2. Gain a reliable source to refer loan turndowns and assist future clients without FDIC Oversight
  3. Benefit from a partnership that does not compete for the bank's deposits or other banking business
  4. Say "yes" today to future clients turned down at loan review meetings

Strategic Value PCM provides to Bankers

A relationship with PCM will provide strategic value to your bank, including:

  • A New Non-Interest Income Revenue Stream thru referral fees;
  • The ability to Retain Non-Bankable Deposits;
  • Improved Earnings By Reversing or Reducing Loan Loss Reserves;
  • Potentially Improve Balance Sheet Credits;
  • Improve Management Focus;
  • A solution to remove Net Operating Loss Carry Forwards at the holding company;
  • Reduce Certain Loan Concentrations; and perhaps more importantly,
  • Assist Future Clients Without FDIC Oversight.

It is evident the competition for strong, well-managed companies seeking commercial loans is intense and the market is finite. Like most banks, lending professionals seek to provide a solution to their clientele that are credit-blemished and hence, temporarily off the "banking grid". Providing a solution will allow your bank to establish or strengthen a relationship with a company even though you are unable to provide the loan or the size of the loan needed at that time.

Enhancing Bank shareholder value

Recently, PCM has enhanced shareholder value at banks, we have…

  1. Improved Credit Quality by, Refinancing certain non-performing assets, allowing the bank to:
    1. Reverse or re-allocate loan loss reserves thereby increasing profitability; and
    2. Improved the bank’s balance sheet thru eliminating or reducing non-performing credits.

  2. Improved Earnings by,
    3. Driving additional revenue through:
    1. New non-interest income;
    2. New interest income thru new deposits;
    3. Helping avoid the expense of retaining a workout staff; and
    4. Reducing net operating loss carry forwards at the holding company.

  3. Improved Management Focus by,
    1. Helping avoid consuming a disproportionate amount of managements time and attention on difficult credits;
    2. Avoiding lengthy asset management meetings, reports to Board of Directors and regulators; and
    3. Helping management focus on managing the bottom line.

  4. Reduced Loan Concentrations by,
    1. Certain property types;
    2. Geographic areas; and
    3. Individual borrowers.