Credit Union Business Services

What Credit Union Business Services does

Credit Union Business Services (CUBS) is a Credit Union Service Organization (CUSO) founded in 2003 and headquartered in Peachtree Corners, Georgia. The company operates a commercial real estate lending platform that connects borrowers and commercial mortgage brokers with a network of 40 federally insured credit unions holding combined assets exceeding $40 billion. CUBS is 100% credit union-owned by six founding institutions (Associated CU, Excel Federal CU, Go Energy Financial CU, Peach State FCU, MembersFirst CU, and Alabama ONE CU) and serves a six-state Southeast region including Georgia, Tennessee, Alabama, South Carolina, Charlotte (NC), and Jacksonville (FL).

CUBS offers three integrated loan products: commercial mortgages ($3M–$30M+, 10-year terms with 25-year amortization, no prepayment penalty, fixed or adjustable rates), SBA 504 loans (up to 90% loan-to-cost financing co-delivered with SBA Certified Development Companies), and construction loans (with automatic conversion to permanent financing and interest-only construction periods). The company handles the full lending lifecycle in-house, including origination, underwriting, documentation processing, closing coordination, and ongoing monthly servicing (billing, payment processing, compliance, escrow, and principal & interest remittance to credit unions). Since 2003, CUBS has originated over $1 billion in commercial real estate mortgages across office, retail, industrial, hotel, assisted living, medical, self-storage, and mixed-use property types.

Commercially, CUBS runs a sales-led, relationship-driven go-to-market: borrowers and brokers submit loan requests through web forms, and CUBS matches each deal to the best-fit credit union(s) within its network. Credit unions do not pay membership, origination, or participation fees; revenue is generated through transaction and servicing economics on the loans themselves. Operating with a small executive team (Executive Vice President, VP of Underwriting, and supporting staff) and no external funding rounds, CUBS functions as a shared center of commercial real estate expertise for the credit union ecosystem rather than a venture-backed lending platform.

Name

Credit Union Business Services

Legal name

Credit Union Business Services, LLC

Website

https://cubsllc.com

Company type

Private

Founded year

2003

Operating status

Operating

Short description

Credit Union Business Services (CUBS) is a 100% credit union-owned CUSO that originates, underwrites, closes, and services commercial real estate loans through a 40-credit-union network across the Southeast, serving commercial borrowers, brokers, and credit union partners in Georgia, Tennessee, Alabama, South Carolina, North Carolina, and Florida.

Ownership category

akta.pro rank

Product category

Commercial Real Estate Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Mortgage Bankers & Loan Correspondents (6162), Loan Brokers (6163)

akta.pro primary industry

Construction & Development (C&D) Lending — Commercial/Multifamily (FSALADAH)

Keywords

• Commercial real estate lending
• Credit union services
• SBA 504 loans
• Construction financing
• Commercial mortgages

Headquarters

HQ city

Peachtree Corners

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales

Revenue model

1. Commercial Real Estate Lending Services: CUBS generates revenue by originating, underwriting, closing and servicing commercial real estate loans for borrowers on behalf of credit unions. The company delivers interest income to credit unions from high quality assets and borrowers. Most loans are participations enabling credit unions to share risk and increase asset diversity. Credit unions do not pay CUBS any membership, origination, or participation fees.
2. Loan Servicing Platform: Full-service CUSO with commercial loan servicing platform including monthly servicing (billing, payment processing, compliance, collection, reporting), monthly tax & insurance escrow payments, and monthly principal & interest remittance to credit unions.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

CUBS originates, underwrites, closes, and services commercial real estate loans for borrowers on behalf of a network of 40 federally insured credit unions with combined assets exceeding $40 billion. As a 100% credit union-owned Credit Union Service Organization (CUSO), it offers commercial mortgages, SBA 504 loans, and construction loans across the Southeast U.S., handling the full lending lifecycle including origination, underwriting, documentation, closing coordination, and ongoing loan servicing (billing, payment processing, escrow, compliance, and remittance).

Product overview

Credit Union Business Services (CUBS) operates as a unified commercial real estate lending platform that offers three integrated loan products: Commercial Mortgages for investor and owner-occupied properties, SBA 504 Loans for owner-occupied commercial real estate, and Construction Loans for new development or major renovations. These products are designed to serve credit union members across the Southeast, with borrowers and brokers able to connect with up to 40 credit unions through a single point of contact. CUBS handles the full lending lifecycle including origination, underwriting, closing, and loan servicing.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• $1 billion+ in commercial real estate mortgages originated since 2003
• +2 more outcomes

Named customers8 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Eight partnerships are on record, tiered core and minor.

• CartercoreStrategic or Co-development PartnerReal estate investment, development and advisory firm partnered on Summerhill Mixed Use development surrounding former Turner Field. Founded in 1958, Carter is one of the country's leading real estate firms with mixed-use, multi-family, office, student housing and education/institutional projects throughout the U.S.
• Oakwood DevelopmentcoreStrategic or Co-development PartnerCommunity-minded real estate and development services firm founded by Kelly King in 2014. Development partner on Summerhill Mixed Use project surrounding former Turner Field in Atlanta.
• Healey Weatherholtz Properties (HWP)coreStrategic or Co-development PartnerReal estate firm co-founded in 2006 by Quill Healey and Eric Weatherholtz. Specializes in repositioning underperforming buildings with specialties in retail and mixed-use. Development partner on Summerhill Mixed Use project.
• Georgia State UniversityminorStrategic or Co-development PartnerGSU has interest in the 68-acre Turner Field site for converting Turner Field into GSU's football stadium and constructing a new baseball stadium. Partnered with Carter and the city of Atlanta to foster good development outcome for remainder of site.
• MidCity Real Estate PartnerscoreStrategic or Co-development PartnerReal estate development firm and ownership team principal for Glenridge Central Perimeter office property redevelopment. Deep experience in all facets of commercial real estate including development, leasing and management.
• Corporate Property AdvisorscoreStrategic or Co-development PartnerReal estate advisory firm and ownership team principal for Glenridge Central Perimeter office property. Provides development expertise alongside MidCity Real Estate Partners for the 60,000+ SF Class-A office property.
• Bold American EventsminorStrategic or Co-development PartnerAward-winning catering and design company owned by Fifth Group Restaurants. Assumed full management of 200 Peachtree event space in October 2015, rebranded as Southern Exchange at 200 Peachtree. Managing partner of key property financed through CUBS.
• SBA Certified Development Companies (CDC)minorChannel Partner/ Reseller/ DistributorCUBS coordinates all SBA 504 loan activity with SBA Certified Development Companies to ensure loans are processed without needless complications. SBA CDC partners facilitate the SBA second lien mortgage portion of SBA 504 loans.

Scale indicators4 records

Recent moves7 records

Expansion highlights10 records

Direct peers

• Walker & Dunlop: Large-scale commercial real estate finance company providing debt origination, servicing, and capital markets across multifamily and CRE property types. Directly comparable to CUBS in commercial mortgage origination and full-service platform model.
• Berkadia: Commercial real estate lender and servicer offering origination, underwriting, and loan servicing through a joint venture model with significant credit union and bank partners. Directly comparable full-service CRE lending and servicing platform.
• Northmarq: Capital markets intermediary specializing in commercial real estate debt and equity placement across the U.S. Directly comparable to CUBS in acting as a CRE capital intermediary matching borrowers with lending sources.
• Lument: Commercial real estate lender focused on multifamily, senior housing, and commercial properties, with origination and servicing capabilities. Comparable product mix and middle-market CRE focus to CUBS.
• Grandbridge Real Estate Capital: Commercial real estate capital markets firm providing debt and equity placement with full-service loan servicing. Directly comparable intermediary and servicing platform model to CUBS.
• Bellwether Enterprise Real Estate Capital: Commercial real estate capital solutions provider offering debt origination and structured finance across property types. Comparable to CUBS in CRE lending product breadth and intermediary function.
• SitusAMC: Commercial real estate loan servicer and technology provider serving lenders and investors with end-to-end loan servicing, asset management, and consulting. Highly comparable servicing-platform focus to CUBS.
• Greystone: Commercial real estate lender providing FHA, Fannie Mae, Freddie Mac, and bridge financing with servicing capabilities. Comparable CRE multi-product lending focus to CUBS.

Broad incumbents

• Newmark Group: Full-service commercial real estate services firm including investment sales, capital markets, and loan servicing. Broader scope than CUBS but overlaps significantly in CRE debt advisory and placement.
• JLL Capital Markets: Global CRE services giant with a substantial capital markets and debt advisory practice. Overlaps with CUBS in CRE debt placement and capital sourcing but operates at vastly larger scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Credit Union Business Services