X-Caliber and Regions: The Value of Continuity and Trust

In business, trusted advisory relationships are often the key to smooth operations and ongoing success. Such is the case with X-Caliber and Regions Bank.

X-Caliber is a nationally recognized leader in commercial real estate that delivers lending, mortgage servicing, and investment opportunities for its clients.

X-Caliber’s core focus is multifamily and senior housing properties. An inherent part of its business involves executing complex lending transactions quickly among a wide array of available lending instruments.

The Need

Whether the transaction is a short-term bridge loan or  long-term, FHA financing, or any number of other products and solutions, every X-Caliber deal comes with two essential needs: onboard borrowers quickly and protect the lender in the event of a default.

Meeting these needs efficiently can be challenging without dedicated support. Which is why, several years ago, X‑Caliber turned to Regions Bank’s specialized DACA team.

The Solution

A deposit account control agreement (DACA), also called a control agreement, is a tri-party agreement between a deposit customer (the debtor), a deposit customer’s lender and a bank.

To Casey Fletcher, bridge portfolio manager with X‑Caliber, the use of DACAs plays a pivotal operational role.

“The DACA structure is a critical component of our cash management process,” Fletcher said. “Many of our transactions require cash‑flow controls, and the DACA allows for a seamless movement of funds.”

How does it work? A borrower routes all revenue into the borrower’s account that is subject to the DACA, with a daily sweep to X‑Caliber’s accounts to ensure funds move smoothly through the payment waterfall. The reliability and speed of these flows directly affect both client service and loan performance.

Many of our transactions require cash‑flow controls, and the DACA allows for a seamless movement of funds.Casey Fletcher, bridge portfolio manager with X‑Caliber

At the same time, a DACA allows lenders such as X-Caliber to perfect their interest in a debtor’s deposit account, defining who can initiate transfer instructions to the bank.

The Result

This seamless interaction between X-Caliber and Regions makes DACA more than a legal or financial instrument. Instead, it ensures the steady flow of revenue while safeguarding X-Caliber’s interests.

“We work with a dedicated Regions team that has supported us across many transactions,” Fletcher added. “This has created continuity and efficiency for all involved.”

Due to this high degree of client trust, Regions can either take the lead on transactions or work jointly with X‑Caliber. This flexibility to meet directly with borrowers, explain the process, and adapt to unique circumstances creates what Fletcher describes as a “positive experience for both us and our clients.”

The Power of Trusted Relationships

Beyond valuing Regions for what the bank is able to offer through the DACA solution, X-Caliber also views Regions’ consistency and experience as distinctly beneficial.

“Our relationship with Regions began several years ago,” Fletcher said. “Over time, Regions has become a trusted collaborator. Their team has taken the time to understand our processes and has continued to refine how we work together.”

Much of that success is driven by Regions Bank’s distinctive standard of hands‑on support. According to Tara Tarvin, DACA Product Manager at Regions, what started as a transactional engagement has evolved into a true ongoing collaboration—one that supports both day‑to‑day operations and long‑term growth.

Over time, Regions has become a trusted collaborator. Their team has taken the time to understand our processes and has continued to refine how we work together. Casey Fletcher

“We try our best to anticipate what our clients need,” Tarvin offered, adding that speed is of critical importance in bringing onboard X-Caliber’s new borrowers.

“Because we can open accounts quickly, this means that X‑Caliber can move to close their loan faster. This speed of execution helps clients advance their objectives without delay. And in the event an issue arises, we’re a phone call away.”