Lending Parameters

At VFSL, we pride ourselves in having the creativity and foresight to see things that others may miss and to structure loans to suit the needs of all parties involved. We specialize in short term bridge financing and focus on the following types of loans:

  • Land – Acquisition, Refinancing & Equity Repatriation
    • LTV up to 75%
    • Pre re-zoning financing
    • Bridge financing for land zoned or approved for redevelopment
  • Commercial Properties (Industrial, Office, Retail)
    • Value added (tenant improvements, capital expenditures)
    • Higher leverage for acquisitions or equity takeout
    • Inventory loans
  • Construction & Development
    • Equity requirements for mid and low rise condominium construction
    • Subdivision lands servicing loans
    • Renovations, conversions and expansion financing for repositioning real estate
    • Quick and easy processing of construction draws

The VFSL credit committee is pragmatic, efficient, proactive and flexible. We know that time is of the essence, and so it is our promise to our Borrowers and Brokers alike that they will receive a response, in most cases within 48 hours of receipt of the preliminary information.   From there, we will ensure that the loan file moves efficiently through our process for the best results for all stakeholders.