Broadly Syndicated Loans

OUR LOAN PLATFORM

C&I loans that go through your own credit committee.

Caird builds and manages portfolios of Term Loan Bs and broadly syndicated loans that sit on your bank’s balance sheet as C&I loans. Every loan is underwritten in-house and goes to your credit committee for consideration and approval. We tailor our process to serve as an extension of your team in order to meet your goals.

SHARED NATIONAL CREDIT MARKET  ·  2025 INTERAGENCY REVIEW $6.91T1 $3.36T1 6,8571 TOTAL COMMITMENTS OUTSTANDING BALANCES BORROWERS WHO HOLDS SYNDICATED LOANS 45%1 US BANKS US banks  ·  45% Foreign banking organizations and nonbanks  ·  55% A bank adding syndicated loans is joining a market its US peers already hold nearly half of.

The SNC program counts every large shared credit, including investment grade revolvers, and so it is a larger universe than the ~$1.4 trillion institutional syndicated loan market that is often quoted.

1. Shared National Credit Program 2025 review, published by the OCC, the Federal Reserve Board and the FDIC in January 2026. Verified August 28, 2026.

US banks hold nearly half of the Broadly Syndicated Loan market.

TERM LOAN B A single loan, held by many institutions Senior secured Floating rate Tenor Amortization Call protection Agent bank Syndicate First lien on substantially all assets of the borrower Resets to an index, so its rate duration is near zero Commonly seven years from close Roughly 1% a year, bullet at maturity Soft call for a period after close Administers the loan and the collateral Your bank is one holder of record 123 4567

Illustrative of a typical structure. Terms vary by credit and are governed by the loan documents.

Overview of a Broadly Syndicated/
Term Loan B

How our loan platform works:

  1. We identify your goals and create a model portfolio with your team.

    Built around your concentration limits, industry preferences, position sizes, and ratings appetite.

  2. Every credit comes with a full internal underwriting package for your approval.

    Your credit committee approves or declines each loan after reviewing Caird’s robust underwriting package and financial model. No investment is made until you have approved it.

  3. We execute on your behalf, at your pace.

    Any syndicated loans that are purchased stay on your balance sheet. Portfolio size can be flexed up or down as needed to support broader goals across your organization.

  4. Reporting built for portfolio reviews and regulatory exams.

    The Caird team's experience inside banks means we understand the ongoing reporting that internal committees and external examiners require.

Frequently Asked Questions

  • You do. The loans sit on your balance sheet and you are the lender of record. Syndicated loans are typically agented by a money center bank.

  • Yes. We adapt our offering to your specific requirements, including your prioritization or exclusion of any particular industries and geographies. Portfolios can be tailored to be in-market or national.

  • The Caird team identifies loans and serve our clients needs and goals. Then they are fully underwritten in-house and presented to you in accordance with your bank’s credit committee and policy for final approval.

  • You own the loans directly as C&I loans and you approve every credit. It is your specific portfolio managed by us, not an investment in someone else's.

  • Term loan Bs sit on your balance sheet as a C&I loan and are typically risk-weighted identically to a bilateral C&I loan.

  • We scale at your pace. Just because you have approved a loan doesn’t mean we have to invest right away.

Let’s Start the Conversation

Bring us your challenges. We'll craft an approach.

info@cairdinvestments.com