LIQUIDITY (SIMPLIFIED)
Liquidity is tight.
We have options.
Credit unions created Alloya to ensure dependable access for liquidity needs. As a leading provider of liquidity solutions, we continue to pride ourselves on upholding that founding purpose.
Your Needs, Our Focus. Always.
From unexpected shortfalls to long-haul planning and emergency funding, it’s all under one roof at Alloya. Our experts are equipped to consult with you on all your liquidity planning.
- Line of Credit – For your expected and unexpected short-term funding needs.
- Supplemental Line of Credit – For an increase to your existing Line of Credit to meet cyclical and short-term demands.
- Term Loans – For your short and long-term planned needs.
- Demand Loans – For instantaneous capital whenever you need it.
- SimpliCD Issuance* – For convenient and centralized liquidity generation.
- Subordinated Debt – For your net worth or balance sheet strength.
- Loan Participations – For concentration risk and balance sheet management.
- Central Liquidity Facility – For an unusual or unexpected liquidity shortfall.
- Discount Window – For more convenient access to the Federal Reserve’s Discount Window.
Multi-Issuer Asset-Backed Securitization
In July 2025, Alloya facilitated the credit union network’s first ever multi-issuer prime auto loan asset-backed securitization (ABS). The group of credit unions involved opened a significant new source of liquidity for the entire credit union network. To learn more about collaborative ABS issuance, read the latest article by our expert.
Schedule your liquidity check-up with an Alloya representative today!
*Alloya Investment Services provides broker-dealer services to credit unions nationwide. The broker-dealer services include Marketable Securities through CU Investment Solutions, LLC (member FINRA/SIPC) and brokered CDs (through SimpliCD, a product of Primary Financial). Alloya Investment Services is a division of Alloya Corporate FCU’s wholly owned CUSO, Alloya Solutions, LLC. To learn more about Alloya Investment Services, visit www.alloyacorp.org/invest.
Our job is to make your job easier.