A longtime authority in commercial real estate loans, Creative Lending Solutions has the reputation, resources, and right approach for finding our clients the best loans for their properties. We work with clients across a variety of acquisition, development and construction projects, including retail properties, office buildings, multi-family residential properties, hotels and gas stations. This experience enables us to submit professional loan packages and secure better financing for more clients.

What We Do

When you’re looking for a commercial lending solution, CLS is the only name you need to know. We provide everything you need, creating your loan package, completing your underwriting and submitting your application to the best lenders available.
You could spend months going back and forth with banks and other lenders looking for the best rate, but when you work with CLS, we cut through all of the hassle and headache of procuring your own commercial real estate loans. Our banking connections eliminate guesswork from the equation, saving you time and trouble without taking shortcuts.


At CLS, we hold ourselves to a high standard. We’re committed to providing honest, straightforward and transparent services and counsel to our clients, so you know that you’re getting the best rate possible. We invest the time and energy into cultivating strong relationships and developing credibility with lenders, so we can find you better options and more competitive rates. Ultimately, we take pride in our hard-earned reputation for excellence and the benefits it creates for our clients.



Mr. Choe is an accomplished c-suite executive with nearly 30 years of broad banking experience. He has a history of superior performance in a continuously progressive career leading the retail, mortgage, business banking and investments & insurance lines of businesses in Hawaii, California, Oregon, Nevada, Arizona, Utah, Texas, Colorado, Illinois and Indiana. He has both large and community bank experience with Wells Fargo Bank, Fifth Third Bank, Bank of the Cascades, and most recently, American Savings Bank, Hawaii. Mr. Choe has managed $4.5 billion of bank assets, an investment and insurance business that generated $9 million in annual revenue, and a network of 200 branches.

He holds a bachelor of science degree in economics from the University of California, Davis and earned an advanced degree in retail bank management from the University of Virginia. He also enjoys serving his community through Junior Achievement and the Big Brothers Big Sisters. He is a past board member of the Goodman Theater and the Lincoln Park Zoo.

Johnathan is a dedicated and loving husband and father to three terrific teenage children.


Parthiv began his banking career in 2004 as a Licensed Personal Banker with Fifth Third Bank in Highland Park, IL. In the earlier part of his career Parthiv held various retail branch management positions from managing traditional locations to developing and growing the bank’s DeNovo locations. While managing multiple retail locations, Parthiv excelled in Business Development and Commercial Lending. In 2009 Parthiv was appointed as Small Business Banking Team Lead and Vice President managing 13 business bankers in the Chicago market. In 2012 Parthiv joined Associated Bank as Senior Bank Manger responsible for overseeing all of the daily operations of the Elgin location while focusing on Commercial Lending. Parthiv joined First Eagle Bank as Vice President in 2015. In Addition, Parthiv is active in numerous networking and charitable organizations. For fun, Parthiv likes to play golf, play cricket, and spend time with the family.


Mr. Patel holds a bachelor’s degree in Finance & Marketing from the University of Illinois at Chicago. He has been a banker since 1998, when he started with BMO Harris Bank. He founded Creative Lending Solutions in 2003, and remains the President of the company. He has centered his business on origination for commercial real estate finance since 2003 as well. During this time, his work contributed to the closing of more than $1 billion in transactional-loan volume, representing nearly $5 billion in overall project value. He primarily focuses on providing debt financing for a variety of acquisition, development, and construction projects, which include hotel development, retail center development, retail franchise development, gas stations, mixed-use projects, land development, and other “value-add” scenarios with loan sizes ranging from $1-50 million. These loans have been placed through major national and local banks, conduit lenders, and SBA lenders. In his free time, Prajesh enjoys fast cars, traveling the globe, and architecture. He volunteers for multiple socio-religious organizations and tutors upcoming young entrepreneurs.


Bandish brings more than a decade’ experience to Creative Lending Solutions. He enjoys working in lending as he can fully utilize his education and draw from a well-rounded background in banking, insurance, telecommunications, and management. Bandish has won a number of awards for his work in financial systems. Holding several advanced degrees in accountancy and computer science, he has served in diversified positions across the U.S. and India, developing customer bases, increasing revenue, exceeding business goals, and fostering strong communication. Outside of his work, Bandish is a keen world-traveler. He has organized various trekking camps in the Himalayas, and enjoys exploring new languages and cultures. He is an avid cricket fan and follows a number of other sports, as well as chess.