WHAT WE DO
VBL structures both short and long term CRE loans. Our loans are created “a la carte” in consideration of several factors that build to suit a specific loan product for the asset’s specific needs. The CRE lending market is rigid and antiquated. Our focus is the individual. Whether you are seeking a product that is more conservative or one that is opportunistic in the yield - or a hybrid or both - we will structure a tailored loan for you, with your specific goals in mind. No loan is the same. No asset is the same.
RECENT TRANSACTIONS
AUSTIN MULTIFAMILY
REFI | 70% LTV
OUR LOAN PRODUCTS
PERM LOANS
ALL COMMERCIAL ASSET TYPES
OUR PERM LOANS CAN BE AS LOW AS 2.8% ON 5, 10, 15 YEAR TERMS WITH AMORTIZATION AS HIGH AS 30 YEARS. TYPICALLY NON-RECOURSE. FLEXIBLE ON PRE-PAYMENT.
THIS PRODUCT IS FOR STABILIZED, CASH-FLOWING ASSETS WITH LOW LEVERAGE.
SPONSORSHIP EXPERIENCE AND BALANCE SHEET A MAJOR FACTOR TO ACHIEVE THE LOWEST RATE.
BRIDGE LOANS
ALL COMMERCIAL ASSET TYPES
OUR BRIDGE LOANS CAN BE AS HIGH AS 95% LTC, INCLUDING REHAB AND ANY NEEDED IMPROVEMENTS WITH RATES AS LOW AS 5.5%. TERMS FROM 1 TO 3 YEARS. NO PRE-PAY AVAILABLE.
THIS PRODUCT IS FOR HIGHER LEVERAGE SCENARIOS (75%+ LTV) OR NON-BANK. FOR BORROWERS SEEKING TO REPOSITION ASSETS.
LOW/NO OCCUPANCY OK. ASSET-BASED.
"A LA CARTE" MENU
Committed to creating a personalized and custom solution to your scenario, VBL is pleased to offer the following options* to your loan.
Cash-out | Flexible Amortization (15-30y) | New Entity OK | No Minimum Credit Score
Interest-Only | Quick Close (Less than 10 Days) | Low-Doc | Non-Recourse | Credit Issues OK Low/No Occupancy OK | New Investors OK | Bankruptcy OK | Vertical & Horizontal Development
*Certain offerings not available based on loan product, borrower history, or any other reason