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We've made loan participations even simpler. Participate online now.


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Why Loan Participations?


Balance Your Loan Portfolio

Alloya’s Loan Participation Program makes it easy for credit unions to buy and sell pools of loans. They're a way credit unions can work together to free up liquidity or grow their loan portfolio.


Buyers Generate Income

Buyers invest in loan participations to generate interest income, diversify assets, reduce excess liquidity and manage asset/liability ratios.


Sellers Keep Lending

Others sell pools of loans to raise liquid funds so they can continue to lend to members. Loan participations also help sellers manage rate risk and asset/liability ratios.

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Alloya Makes Loan Participations Simple

If you hear “loan participations” and think “time-consuming hassle,” forget what you know.

Instead, think fast, easy and convenient. Think full transparency, trusted service and reliable support. At Alloya, we make participations painless.

Whether you’re a seasoned participant or new to the process, we’re here to help balance your credit union’s loan portfolio through buying and selling loans among the largest credit union network in the industry – all in a matter of a few clicks in our Loan Participation Platform.



  • Manage your balance sheet and meet your strategic needs
  • Free up liquidity before reaching lending capacity
  • Obtain funds to enable more lending
  • Manage risk, fine-tune regulatory ratios

Reasons to become a Seller

  • Is your loan program gaining more traction than you ever anticipated?
  • Are you near your maximum lending capacity and need to free up liquidity?
  • Is your cost of funds increasing to levels that are hurting your bottom line?
  • Are cyclical cash crunches putting your credit union’s operations at risk?


Learn More About Selling



  • Put excess liquidity to work
  • Diversify assets
  • Manage risk, fine-tune regulatory ratios
  • Supplement a slowing or shrinking portfolio of loans

Reasons to become a Buyer

  • Is loan demand from your membership stalling your loan portfolio growth?
  • Is managing interest rate risk and credit risk a priority for your credit union?
  • Are you not getting enough out of your investments?
  • Are you spending too much time originating loans?


Learn More About Buying

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