Baker Hill Launches One-Click Loan Participation Exchange with Participate

Together, the two companies are launching the Baker Hill Loan Exchange, powered by Participate. The embedded loan participation platform is designed to help financial institutions increase lending capacity, improve liquidity, reduce risk, and grow their commercial lending business more efficiently without adding operational complexity.

Baker Hill’s AI-powered commercial lending platform helps financial institutions simplify underwriting, improve credit analysis, automate processes, and make better lending decisions. Participate adds to these capabilities by digitizing loan sales, loan participations, syndications, and post-sale servicing, connecting financial institutions through a nationwide network.

As financial institutions face tighter liquidity, lending limits and increasing demand for larger loans, the partnership expands Baker Hill’s capabilities beyond loan origination to include loan distribution and portfolio management.

The integration allows Baker Hill UNIFY users to send loan participation opportunities directly from their commercial lending workflow using a built-in "Send to Participate" feature. Loan data and documents are automatically transferred to Participate’s digital platform, helping lenders share loan opportunities, connect with qualified buyers across the country, and automate loan servicing tasks throughout the loan lifecycle.

Through the Baker Hill Loan Exchange, Baker Hill clients can access a nationwide network of financial institutions and automate the entire loan participation process. The platform helps manage digital loan offerings, participant servicing, transaction tracking, notices, statements, fee management, and secure document sharing, making loan participation more efficient and easier to manage.

"We're excited that Baker Hill and Participate can come together to support strategically growth-focused institutions better," Ivankovich said. "The Baker Hill Loan Exchange gives them an easier way to tap into loan participation opportunities with less friction and greater efficiency."

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"Loan participations have played an important role in helping us scale responsibly while continuing to support our borrowers," said Tyson Leyendecker, president and chief credit officer, Capra Bank. "Digitizing the process from origination through servicing improves consistency, execution and operational efficiency."

"Loan participations are becoming an increasingly important growth strategy for financial institutions," said Matt Johnner, president and co-founder, Participate. "Embedding Participate directly into Baker Hill's commercial lending platform helps institutions scale lending relationships, improve agility and turn loan sales into a more efficient growth engine."

"This partnership advances our vision for connected commercial lending," said Andy Ivankovich, chairman and CEO, Baker Hill. "By integrating Participate directly into Baker Hill UN/FY, we are helping financial institutions move from underwriting to participation faster and with greater operational efficiency. The Baker Hill Loan Exchange gives lenders a more seamless way to grow relationships, manage risk and optimize balance sheet performance."

About Baker Hill

Founded in 1984 and headquartered in Carmel, Indiana, Baker Hill provides lending technology solutions to banks and credit unions across the United States. Financial institutions use its platform to process more than $7 billion in loan originations each month, helping them improve lending efficiency, and serve their communities more effectively.

About Participate

Founded by Mike Montgomery and Matt Johnner, Participate, a BankLabs company, provides a platform that helps banks and credit unions originate, distribute, and manage loan participations, and syndications more efficiently. Its patented technology digitizes the entire loan participation process, from the initial sale to ongoing servicing. The platform helps financial institutions improve liquidity, expand lending capacity, reduce risk and automate loan sales operations.

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