Note Finance

Built for Private Lenders

Private lenders can do business faster and more securely with flexible solutions and high-touch service designed for your industry. Our sophisticated and specialized Note Finance group provides revolving asset-based lines of credit to private debt funds, publicly traded real estate investment trusts (REITs), family offices and nonperforming loan (NPL) funds nationwide. Because our team understands your business, we move fast, with solutions that meet your needs. 

Fast and Reliable Financing

Your clients count on you for speed of funding and certainty of capital. You can count on us to help you provide just that. Our Note Finance group has decades of experience in the specialized lending space. Let us put that experience to work crafting fast, flexible, custom-tailored private lending solutions for you. 

Our outstanding personal service sets us apart. We are a committed resource for institutional debt funds, publicly held REITs, family offices and nonperforming loan (NPL) funds nationwide to access financing1 quickly. Whether you provide real estate secured renovation loans, bridge loans, ground-up construction loans or acquire performing and/or non-performing loans, First Independent Bank’s Note Finance group provides a highly efficient source of capital from the industry leader in private lender finance.

Benefits for You

In the fast-changing private lending landscape, you need access to capital when you need it — not weeks or months down the road. Making the most of opportunities for your clients is in your DNA; helping you make that happen is in ours. We offer:

  • Revolving lines of credit tailored to quick-close private loan origination, secured by underlying collateral loans2 to deliver higher investor returns
  • Lines of credit from $20 million. Credit facilities secured by loan portfolios for a variety of asset classes (SFR, multi-family, industrial, office and retail)
  • Committed credit facilities that can eliminate asset revaluations, a significant differentiator for Western Alliance Bank
  • Same-day funding and an efficient collateral pledge process that enables private lenders to move faster than competitors to fund new opportunities
  • Trusted, relationship-focused experts with decades of note finance experience

Working with Note Finance, you’ll also gain access to a wide range of banking products and services offered through 20 national business lines, all delivered with the same personalized service you expect. We provide working capital management lines of credit1 and a full suite of treasury management services and solutions.

Incomparable Service

Clients tell us they view our services as a specialized lending division of a sound national bank. For you, that means privileged access to a full range of products and services from the Note Finance group you trust. Backed by the resources of Western Alliance Bank, one of America’s top-performing banks3 with offices nationwide, the Note Finance group remains committed to providing the kind of personalized, client-obsessed service you’d expect from a top financial institution.

As a trusted player in the private lending space, our Note Finance group treats every client like a VIP. Building relationships over time, our team knows the demands of your business. Bespoke lending means our solutions are tailored to your needs.

Western Alliance Bank seamlessly aligns with our platform, helping us deliver fast, frictionless execution and outstanding customer service to our clients. They have a deep understanding of our business and provide flexible solutions that are tailored to Arixa Capital. Their collaborative approach mirrors our own culture, providing borrowers with best-in-class service and exceptional care. Western Alliance has been a valuable partner in helping drive our continued growth.

Seth Davis , Managing Director Arixa Capital

Note Finance Lending Tailored to Your Needs

Our Note Finance Team

Be confident that you have our attention. Whether it’s facilitating speed of draws, automating vendor payments, wiring to the closing table or managing a billion-dollar servicing portfolio, Western Alliance Bank provides the products and reporting capabilities to make your job easier and improve your profit margins. You can access Note Finance and related banking services, delivered on your timeline by a team of professionals with decades of commercial lending and credit expertise.  

About Us

Contact Us

We’re ready to help you get more from your business banking relationship. Find out how we can add value with responsiveness, innovative solutions and bankers who enjoy helping you meet your goals.

Get in Touch

First Independent Bank Headquarters

5335 Kietzke Lane
Reno, NV 89511
United States

See All Locations
First Independent Bank headquarters

1. All offers of credit are subject to credit approval, satisfactory legal documentation, and regulatory compliance. Borrowers are responsible for any appraisal and environmental fees plus customary closing costs, including title, escrow and documentation fees and may be responsible for any bank fees, including bridge loan, construction loan, and packaging fees.
2. Note financing targets lines to borrowers who maintain a commensurate amount of equity.
3. Western Alliance Bank is ranked #1 Top-Performing Large Bank with Assets $50 Billion and Above for 2023 by American Banker, #2 U.S. Bank with Assets $50 Billion and Above by Bank Director's 2023 RankingBanking Study and received #1 rankings on Institutional Investor’s 2023-2024 All-America Executive Team Midcap for Best CEO, Best CFO, Best Company Board of Directors and Best Investor Relations Team.