IN-HOUSE SERVICING

Full-Control In-House Servicing Platform

Full-Control In-House Servicing Platform

A10 Capital provides fully integrated, in-house servicing from origination through payoff, ensuring a seamless borrower experience.

IN-HOUSE SERVICING

Rated Primary And Special Servicer

Rated Primary And Special Servicer

A10 Capital is a DBRS-rated primary (CS2) and special (CS3) servicer, providing a full life-of-loan management platform built to institutional standards. The firm is also an approved Freddie Mac Seller/Servicer.

Unlike most CMBS and many debt fund lenders, A10 performs all loan servicing functions in-house. This integrated approach ensures direct communication, transparent loan accounting, and proactive asset management—delivering a more responsive and efficient borrower experience.

Since 2007, A10’s servicing platform has supported more than $6 billion in loan originations and 17 securitizations, consistently maintaining exceptional portfolio performance.

A10 Capital is a DBRS-rated primary (CS2) and special (CS3) servicer, providing a full life-of-loan management platform built to institutional standards. The firm is also an approved Freddie Mac Seller/Servicer.

Unlike most CMBS and many debt fund lenders, A10 performs all loan servicing functions in-house. This integrated approach ensures direct communication, transparent loan accounting, and proactive asset management—delivering a more responsive and efficient borrower experience.

Since 2007, A10’s servicing platform has supported more than $6 billion in loan originations and 17 securitizations, consistently maintaining exceptional portfolio performance.

In-House vs. Third-Party

The In-House Servicing Advantage

By servicing all loans in-house, we remove fee leakage, reduce delays, and maintain perfect alignment from origination through payoff.

By servicing all loans in-house, we remove fee leakage, reduce delays, and maintain perfect alignment from origination through payoff.

Factor

Factor

Factor

In-House Servicing

In-House Servicing

In-House Servicing

Third-Party Servicer

Third-Party Servicer

Third-Party Servicer

Communication

Direct access to lender team; quicker, more personalized responses

Direct access to lender team; quicker, more personalized responses

Direct access to lender team; quicker, more personalized responses

Less direct; often slower, more bureaucratic, less familiarity with borrower or property

Fees to Pick Up the Phone

Borrowers are never charged simply for reaching out—lender teams respond directly as part of their ongoing relationship

Borrowers are never charged simply for reaching out—lender teams respond directly as part of their ongoing relationship

Borrowers are never charged simply for reaching out—lender teams respond directly as part of their ongoing relationship

Some third-party servicers won’t engage in even a basic conversation or consider routine requests without imposing significant upfront fees, sometimes $5,000 or more.

Problem Solving

Decisions made by staff with knowledge of underwriting, property, and borrower history; issues resolved collaboratively and efficiently

Decisions made by staff with knowledge of underwriting, property, and borrower history; issues resolved collaboratively and efficiently

Decisions made by staff with knowledge of underwriting, property, and borrower history; issues resolved collaboratively and efficiently

Decisions may be made by staff unfamiliar with original deal or borrower specifics; slower and harsher

Relationship

Continuity of contact throughout loan life; proactive monitoring and regular engagement

Continuity of contact throughout loan life; proactive monitoring and regular engagement

Continuity of contact throughout loan life; proactive monitoring and regular engagement

Frequent turnover of contacts; may be more transactional and hands-off

Flexibility

Greater discretion to accommodate borrower circumstances; promotes partnership

Greater discretion to accommodate borrower circumstances; promotes partnership

Greater discretion to accommodate borrower circumstances; promotes partnership

Strict enforcement of loan provisions, limited flexibility on accomodations

Loan Requests

More responsive to refinance, extension, or workout requests; can work creatively to resolve problems

More responsive to refinance, extension, or workout requests; can work creatively to resolve problems

More responsive to refinance, extension, or workout requests; can work creatively to resolve problems

Less responsive; processes may be slower, outcomes less tailored to borrower needs

Risk Management

Proactive monitoring and guidance on compliance, financials, and site visits; potential issues addressed early

Proactive monitoring and guidance on compliance, financials, and site visits; potential issues addressed early

Proactive monitoring and guidance on compliance, financials, and site visits; potential issues addressed early

Reactive management, less timely guidance, higher risk of missed issues or misunderstandings

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Partner with a Servicer That Executes Through Every Market Cycle

Partner with a Servicer That Executes Through Every Market Cycle