Twain Financial Partners had another strong year in 2022 which brought with it many successes and a few challenges. Twain experienced continued growth in commercial real estate in the first half of the year, while the latter part of 2022 brought with it the most rapid increase in interest rates the market has seen in over a decade. Twain’s ground lease, C-PACE, and HTC products continue to provide flexible capital to our commercial real estate partners as we navigate this difficult market together. Twain also added to the renewable energy team, which submitted its USDA lending application in 2022 that was recently approved. This allows Twain to lend across all phases of the solar development process heading into 2023. As we grow our team and our business, we look forward to partnering with you in 2023 to build the communities where we work and live.