As a large bank in its own right, Goldman doesn’t have similar concerns. That gives it the flexibility to underwrite more creatively, Mr. Scherr said, letting borrowers pick from a range of sizes, terms and payment schedules for their loans. Such flexibility “pivots off the ability to fund off our own balance sheet,” he said. Marcus loans aren’t “tailored or conforming to a marketplace to syndicate or sell the exposure.”

http://www.wsj.com/articles/goldman-sachs-gives-a-glimpse-into-its-new-lending-plans-1475016665