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Unlock Your Bank’s Hidden Capital

Maximize Your Bank’s Assets
with a Sales-Leaseback Strategy

Discover how a sale-leaseback strategy can unlock the hidden potential of your real estate assets. Convert depreciated properties into significant financial gains and use these funds to boost capital, pay down loans, or offset losses.

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Transform Your Real Estate Assets
with Sale-Leaseback Strategies

Schedule A Call

Unlock Appreciated Value

Convert your property’s appreciated value into liquid assets turning dormant real estate into active capital, ready for immediate use.

Improve Capital Ratios

By converting fixed assets into cash, you can significantly improve your capital ratios enhancing your financial standing.

Increase Financial Flexibility

Access undiluted capital for strategic investments or debt reduction to allocate resources where they’re needed most.

A Decade of Trust and Expertise

For the past 10 years, MountainSeed has served
more than 10% of the banks and credit unions in America.

Recent Sampling of Branch Closings

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$9,550,000

3 Branches

November 2024

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September 2024

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$13,000,000

5 Branches

August 2024

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$6,550,000

3 Branches

July 2024

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$7,700,000

4 Branches

July 2024

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$11,615,620

7 Branches

June 2024

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$7,546,535

5 Branches

June 2024

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$14,669,620

6 Branches

May 2024

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$17,188,425

5 Branches

February 2024

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$25,690,174

9 Branches

February 2024

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$10,800,000

3 Branches

January 2024

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$9,550,000

3 Branches

November 2024

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September 2024

Image Item

$13,000,000

5 Branches

August 2024

Image Item

$6,550,000

3 Branches

July 2024

Image Item

$7,700,000

4 Branches

July 2024

Image Item

$11,615,620

7 Branches

June 2024

Image Item

$7,546,535

5 Branches

June 2024

Image Item

$14,669,620

6 Branches

May 2024

Image Item

$17,188,425

5 Branches

February 2024

Image Item

$25,690,174

9 Branches

February 2024

Image Item

$10,800,000

3 Branches

January 2024

Sale-leaseback Process

Transform Your Property Into Capital for Growth and Stability

MountainSeed’s Sale-leaseback Program presents a strategic opportunity for businesses seeking financial agility and asset optimization. This 90-day process not only offers a swift path to liquidity but also customizes transaction terms to align with your long-term financial goals and operational needs. Partnering with MountainSeed means navigating this complex transaction with ease, guided by expertise and a commitment to maximizing your property’s value and your business’s potential.

Schedule A Call

Step 1

Introduction Call
3
  • Objective: Introduce Sale Leaseback Program
  • Key Activities:
    • Introduction to MountainSeed’s team and process
    • Overview of the sale leaseback process and benefits.
    • Initial assessment of the client’s property and financial goals.
  • Deliverables: Meeting summary and set up next meeting to go over LOI with Patrick Roberts at MountainSeed set up next meeting to review LOI

Step 2

Branch Analysis
3
  • Objective: In-depth evaluation of the client’s property portfolio.
  • Key Activities:
    • Collection of property data (location, size, book value).
    • Market analysis and valuation of each branch.
  • Deliverables: LOI outlining price and terms of the potential transaction

Step 3

Letter of Intent (LOI)
3
  • Objective: Formalize intent to proceed with the sale leaseback transaction.
  • Key Activities:
    • Present LOI based on agreed terms from the branch analysis.
    • Review and negotiation of LOI terms between MountainSeed and the client.
  • Deliverables: Signed LOI, outlining key terms such as sale price, lease terms, and conditions.
  • Next Steps: Determine steps to move forward (ie. internal bank approval, schedule and expectations on closing timeframe)

Step 4

Due Diligence
3
  • Objective: Thorough examination of all aspects of the proposed transaction.
  • Key Activities:
    • Legal and financial due diligence to verify property titles, leases, and Survey, counterparty financial review
    • Physical inspection of properties to assess condition
    • Finalization of Purcahse and sale agreement, lease agreements and transaction details.
  • Deliverables: Purchase agreement, Master Lease

Step 5

Closing
3
  • Objective: Completion of the sale leaseback transaction.
  • Key Activities:
    • Preparation of closing documents and final transaction details.
    • Coordination of closing meeting with all parties involved.
    • Execution of sale and leaseback agreements.
    • Transfer of funds and property titles.
    • Public announcement
  • Deliverables: Closed transaction, transferred property ownership, and initiated leaseback agreement.
Schedule A Call

Helping Banks Across the U.S

MountainSeed

Unlocking Potential For Our Customers

First Fed

"Insight is pleased about our partnership with MountainSeed. Being good stewards of our members’ trust is vital, and we believe leveraging the value in our previously owned locations is a wise decision. It allows us to continue our long-term commitments to the communities we serve while freeing up financial assets to invest in additional product and service offerings for our growing membership. Serving and helping our members is always our focus, and this sale leaseback provides more opportunities to do just that."

George Davis
CEO of Insight Credit Union

First Fed

“This was a very seamless transaction and MountainSeed was very easy to work with.”

Chris Strimple
President at 1st Federal Savings Bank of SC, Inc.

First Fed

“First Fed is pleased to close this transaction with MountainSeed to enhance our balance sheet positioning and improve earnings. While we are selling six of our branch facilities, this transaction is a strong example of First Fed’s commitment to its communities on the Olympic Peninsula for the long term — 15 years with an option for an additional 15. We look forward to serving our customers throughout the Peninsula and across the Northwest Quadrant of Washington State.”

Matt Deines
President and CEO of First Fed and FNWB

First Seacost Bank

“This sale-leaseback transaction is a unique opportunity to enhance shareholder value as we convert non-earning assets to cash available for investment and provides balance sheet flexibility in support of our long-term strategic objectives.”

James R. Brannen
President and Chief Executive Officer at First Seacoast Bancorp, Inc.

First Bank of Alabama

“MountainSeed has been a great partner to the Bank for many years and they were first to the table with this sale/leaseback that has been utilized around the country by many institutions, big and small. For us, it was an easy choice to turn a non-earning asset into an earning asset when liquidity is key in the eyes of the regulatory agencies.”

Chad Jones
President and CEO at First Bank of Alabama

CIBM Bank

This transaction was an opportunity for CIBM Bank to pursue important strategic objectives while continuing to build shareholder value. We appreciate the dedication and professionalism of MountainSeed in working with us to achieve this result.”

Brian Chaffin
President and Chief Executive Officer of CIB Marine Bancshares, Inc.

The People's Bank

"The expected increase in capital from our sale-leaseback transaction and a moderating interest rate environment increase optionality as we work to improve our earnings profile..."

From Public Press Release | Read More

Plumas Bank

“For our communities, this transaction commits us to serving them for the long term — 15 years with an option for 15 more. MountainSeed’s expertise helped to facilitate a powerful sales-leaseback transaction which supports our long-term objectives.”

Andrew J. Ryback

Director, President and CEO of Plumas Bank and Plumas Bancorp.

The Citizen's Bank of Philadelphia

“Through the sale-leaseback with MountainSeed, the Bank has monetized non-earning assets, enhancing balance sheet flexibility and positioning the Bank to better execute on our long-term, strategic plan. We value MountainSeed’s partnership and look forward to exploring further strategic opportunities in the future.”

Phillip Branch
Chief Financial Officer, at The Citizens Bank

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We recognized that there is a better way to approach commercial real estate and lending, and out of that, MountainSeed was born.

  • Zero Budget impact. We guarantee that your Financial Institution will never lose a loan based upon our fee.
  • Offering a one-stop Marketplace for lenders from collateral to due diligence in one platform.
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