Financing

LV Lending provides short-term, first-lien private bridge loans tailored for commercial real estate across Florida and the Southeast U.S. 
Expanded: 
These financing solutions enable borrowers to acquire, develop or refinance properties with flexibility and speed. Our structure avoids traditional banking bottlenecks and leverages decades of leadership experience. Typical uses include acquisition financing, construction, recapitalization and stabilization capital. 
Key Highlights: 

• Loan terms: generally 12–24 months 

• Asset types: Multifamily, land, retail, industrial, hospitality 

• Goals: Enable rapid execution and value-creation while maintaining disciplined underwriting 

We finance income-producing and development-ready real estate assets in dynamic markets. 
Eligible property types include: 

• Multifamily (stabilized or under-construction) 

• Non-homestead residential developments 

• Office, retail and mixed-use properties 

• Land parcels ready for development 

• Industrial and hospitality assets 

• Specialty or niche use (subject to review) 

Loans are customized to match the borrower’s timeline, business plan and exit strategy. 
Structure elements: 

• First-mortgage lien on the property 

• Interest-only payments (bi-monthly) with principal due at maturity 

• Loan-to-value (LTV) typically up to ~60% (subject to appraisal) 

• No personal guarantee required in many cases 

• Prepayment flexibility and clear exit mechanics 
  Example: A borrower acquires land, builds 200 units, leases to 90% occupancy, then refinances or sells — Linkvest structured the financing to cover that cycle efficiently. 

Funding is typically committed within 10–30 days once we have the term sheet signed and deposit in place. 
Process Timeline: 

• Step 1: Term sheet issued after initial review 

• Step 2: Borrower accepts and submits deposit 

• Step 3: Due diligence begins (appraisal, title, legal, financial review) 

• Step 4: Closing occurs within 4-5 weeks on average; the fastest deals have closed in less than 2 weeks 
  Note: The term sheet is a non-binding offer and must be followed by full underwriting and documentation. 

A thorough review of property, sponsor and business plan precedes funding. 
Underwriting includes: 

• Independent third-party appraisal 

• Sponsor background, track record and experience checks 

• Business plan review (rent-up, stabilization, exit) 

• Sensitivity and stress testing of cash flows 

• Legal, compliance and title review 

Qualified borrowers meet the following core criteria: 

• Demonstrated experience in real estate ownership, development or value-add strategies 

• Sufficient financial capacity and liquidity to support the project and closing 

• Clear exit strategy (sale, refinance or recap) within the loan term 

• Alignment with asset types we support 
  Not eligible: 

• Primary residences or homes occupied by owners 

• Second mortgages or recreational properties 

• Deals lacking defined exit mechanics or sponsor capability