Solutions
WHAT WE DO
Two Business Lines. One Aligned Partner.
The Caird team brings decades of experience working inside regional banks and across Wall Street. We operate two complementary business lines: Advising banks on their loan, investment portfolios, and other balance sheet needs, and sourcing, underwriting, and placing private credit transactions. Everything we do is built around long-term partnerships, not one-off deals.
Bank Advisory
We help banks optimize their balance sheet including focusing on asset growth through tailored TLB portfolios, differentiated investment portfolios advice, and understanding your challenges. We are fiduciaries for our clients and listen before we provide advice - acting as extensions of your team, with access to resources and relationships that most institutions can’t replicate on their own.
Private Credit & Direct Lending
We source, structure, underwrite, and place differentiated private credit/bilateral transactions to help our clients reach their goals. Whether you’re seeking new opportunities to deploy capital, looking to address a financing need, or looking for asset growth, we find a solution that fits.
Bank Advisory
Banks face a unique set of challenges when it comes to optimizing their capital & risk allocation amidst ever-evolving regulatory landscapes and markets. Our solutions give you the flexibility you need to adapt and evolve alongside you. Here are a few ways that Caird helps clients achieve their goals:
Term Loan B Portfolios
As your fiduciary, we collaboratively curate and manage customized portfolios of liquid Term Loan Bs/Broadly Syndicated Loans designed to facilitate organic C&I asset growth, improve ROA and ROE while aligning with OCC Interagency Guidance.
Securities Portfolios
Bank securities portfolios are often overlooked — concentrated in long-duration holdings where the call option in Agency RMBS masks true OAS. We help banks rethink that allocation, diversify, and stop taking implicit rate views.
Capital Optimization
We help institutions navigate capital constraints through structured solutions designed around your specific regulatory position — creating flexibility without disrupting your core business.
Capital Markets Advisory
Our team has decades of experience in capital markets and inside banks. We advise on syndications, securitizations, forward flow arrangements, CRA strategies, CPACE, tax credits, HTCs, SPVs, and more.
Curated Deal Flow
We source deals through our broad network of relationships and conversations across the market. After underwriting and internal approval, we place them with banks whose geographic, industry, and risk profile make them the right fit.
Private Credit & Direct Lending
If your institution is in need of raising, deploying , or structuring capital to meet its goals - we can help.
Proprietary Deal Flow
We see a high volume of private credit transactions through our network, many of which are off-market and out of competitive processes. Our sourcing channels give our partners access to opportunities they wouldn't see on their own.
Underwriting-First Approach
We are not brokers. Every deal goes through our internal underwriting and credit approval process. We pass on far more than we move forward on — and only present transactions we'd back ourselves.
Complex/ Nonstandard Transactions
Not every deal fits a clean template. We regularly structure transactions across unusual collateral types, niche industries, and situations that require creative problem-solving — the deals most firms don't want to touch.
Strategic Capital Partnerships
We work with institutional partners who allocate capital to us for private credit deployment. This model gives partners diversified exposure to our deal flow while we handle sourcing, underwriting, and execution..
Let’s Start the Conversation
Get in touch to share your goals. We’ll work with you to craft a solution that fits—and evolves with you.