Joint Venture Capital LLC

Different Finance Programs For Different Needs

Joint Venture Capital, LLC is a nationwide, direct private lender. Established in 2008, JVC offers a full array of long and short term commercial loan programs for real estate investors, business owners, developers and entrepreneurs.

JVC offers extraordinary service and access to outside the box “creative finance” program options second to none (without being limited to just a few program options, as the majority of regional outlets currently operating do.) combined with our “common sense” processing approach, better insuring the success ratio for possible financing for our clients.

Please note: we do not consider land, ground-up (horizontal) construction projects or owner-occupied homes.

Property Geographic Area Details

Nationwide except 7 states: AZ, CA, NV, VT, ND , SD, MN.

Loan Amounts

$150,000 to $50,000,000

Interest Rates

6.5% to 10.99%

Loan Terms

12 months to 360 months

Origination Fees

2% to 5%

Lien Position

1st

Collateral Types

Residential Property
Commercial Property

Loan Purpose

Investment Acquisition
Investment Refinance
Improve Subject Property
Use Equity to Invest in Another Property
Invest in a Business
Business Working Capital
Value Add Project
Development Project

Property Occupancy

Vacant
Tenant Occupied 100%
Tenant Occupied Partial
Owner Occupied Commercial

JVC HOUSE PROGRAM

Joint Venture Capital, LLC’s House program offers 3 year fixed or 30 year fixed, 30 year full amortized financing for Purchases, Cash-out refinance and Rate-term refinance. Minimum FICO score of 650 is required to apply for the JVC House Program. Maximum loan to value for US citizens is 75% on refinances and up to 80% loan to value on purchases (with a seller held 5%), maximum loan to value for foreign investors is 65% for purchase and refinance.

Loan Purpose/Type		Purchase, Rate-Term Refinance, Cash-Out Refinance
Property Types		Investor 1-4 SFR, Condo, and 2-4 units		Multi-Family, Mixed-Use, Apartment Buildings 5 units and more.		Commercial Office, Retail, Warehouse, Self-Storage and Automotive
Fixed Term		30-year	3-year	30-year	3-year	30-year	3-year
Loan-To-Value		Max 75%	Max 75%	Max 75%	Max 75%	Max 70%	Max 70%
FICO Score	> 750	6.99%	7.49%	7.49%	7.99%	7.99%	8.49%
FICO Score	700-749	7.49%	7.99%	7.99%	8.49%	7.99%	8.49%
FICO Score	< 700	7.99%	8.49%	8.49%	8.99%	8.99%	9.49%

General Guidelines (subject to change)
Loan Amounts	$100k – $5million
Term / Amortization	30 year term / 30 year full amortized loan
Credit Score	650 minimum mid FICO score
Rate Buy Downs	1point fee = .25% rate reduction (maximum rate reduction is .50%)
*Foreign Investors	Foreign Investors accepted 65% maximum LTV

*Further details and more information available upon request. Please see disclaimer in lending profile.

JVC FIX AND FLIP PROGRAM

Joint Venture Capital, LLC’s Streamlined Fix and Flip program offers a short term solution for acquiring and raising property values. This program is designed for investors looking to fix and flip or acquire properties for renovation/improvements based on the after repair value.

+ up to 80% maximum of the purchase price & renovation costs, not to exceed 75% of the after repair value. Prior real estate investing experience is preferred, less experience will increase the rates typically. This program has interest rates starting at 7.49%. $100K to $4M. 12 Month term. 600 minimum FICO score.

Loan Purpose/Type		Improve or rehab investor real estate property, purchase and refinance accepted.
Property Types		“Non owner occupied 1-4 units (SFR, Condo, Townhouses and 2-4 Units)
Term		1 year Interest Only
Loan-To-Value		Rates	LTARV
Min FICO Score	600	7.49% – 12.49%	75.00%

General Guidelines (subject to change)
Loan Amounts	$100k – $4million
Term / Amortization	1 year, interest only
Credit Score	600 minimum mid FICO score
Pre-Payment Penalty	None
Main Diligence items	Executed purchase agreement, 1 month bank statements, rehab budget, builder resume/licensing, schedule of real estate owned, 2 years recent tax returns, operating agreement/articles of incorporation
Investor Types	Program open to U.S. citizens, permanent resident aliens, Canadian citizens

*Further details and more information available upon request. Please see disclaimer in lending profile.

JVC NO MIN CREDIT SCORE PROGRAM

Joint Venture Capital, LLC’s No Min Credit Score program offers a short term solution for investors with credit issues seeking an interest only loan with much more favorable rates as compared to typical hard money lenders.

Loan Purpose/Type		Investor refinance transactions and purchase transactions
Property Types		Investor 1-4 (SFR, Condo, and 2-4 Units)
Term		24 months interest only
Loan-To-Value		Rates	Loan to Value (LTV)
FICO Score	> 700	8.75%	75.00%
FICO Score	650 – 699	9.00%	75.00%
FICO Score	< 650	10.00%	75.00%

General Guidelines (subject to change)
Loan Amounts	$100k – $1million
Term	2 year, interest only
*Credit Score	*No minimum
Pre-Payment Penalty	None
Rate Buy Downs	1point fee = .50% rate reduction (Maximum rate reduction is 1%)
*Foreign Investors	Foreign Investors accepted 65% maximum LTV

*Further details and More information available upon request. Please see Disclaimer in lending profile.

Property Types

2-4 Units Residential
Auto Dealership
Auto Repair
Bed and Breakfast
Cannabis Dispensary
Cannabis Grow Facility
Car Wash
Casino
Cinema
Club
Commercial Condominium
Community Center
Condominium
Event Center
Golf Course
Gym
Hospital
Hotel
Industrial
Marina
Mixed-Use
Mobile Home Park
Multifamily
Night Club
Office
Place of Worship
Portfolio of Commercial Properties
Portfolio of Residential Properties
RV Park
Recreational
Religious Facility
Retail
School
Single Family Residence
Sports Facility
Storage Facility
Student Housing
Theater

Loan Types

Private Money
Hard Money
Residential Bridge
Commercial Bridge
Commercial Property Value Add

*Funds should be sourced and seasoned, we do allow up to a 5% seller held note which can increase the MAX LTV on a purchase up to 85%.

Max Loan-to-Purchase Price

85%

Borrower Must Have Property Under Contract

yes

Will Provide Proof of Funds Letter

Will Consider Lending on Purchase from Auction

yes

Allowed Source of Borrower’s Equity

Own Cash
Partner
Equity in Another Investment Property
Equity in Primary Residence
Seller Financing

Up to 75% of the after repair value/completed value.

Experience Required

Minimum Number of Value-Add Projects Completed by Borrower

Will Provide Funds for Renovation Costs

yes

Max LTC for Renovation Costs

95%

Interest Charged for Renovation Costs

Only on Funds Drawn

Typical Number of Days for Funds Draw

Maximum After Repair Value

75%

Will Lend on a Portfolio of Properties

Yes

Minimum Number of Properties

Maximum Number of Properties

Minimum Property Value

$100,000

Maximum Property Value

$5,000,000

Due Diligence Fee

*Per property and dependent upon custom finance, amount, number of properties, finance type and scope of project.

Underwriting Fee

*Promotional offers and fee reductions available periodically, check in to see if we have any current discount promos.

Processing Fee

Minimum of $995 *dependent upon finance amount, number of properties, finance type and scope of project.

Settlement Fee

Customary 3rd party settlement fee

Extension Fee

If applicable.

Appraisal Fee

*Customary 3rd party appraisal / MAI appraisal fee, Typically $595 - $2,995(+) dependent on the type of Real Estate, Real Estate size, number of units, construction to be performed (if any) involved. *Always ask to see if JVC is running any promotions as sometimes appraisal cost are drastically reduced!

Environmental Report Fee

If applicable, paid to 3rd party.

Fees which are mandatory for all new borrower clients

Due Diligence Fee
Underwriting Fee
Processing Fee
Legal Fee
Settlement Fee
Appraisal Fee
Title Fee

Fees which are paid to a third party company

Underwriting Fee
Processing Fee
Documents Fee
Legal Fee
Appraisal Fee
Inspection Fee
Title Fee
Credit Report Fee
Background Check Fee
Environmental Report Fee
Renovation or Construction Funds Draw Fee

Details and Requirements

Typical Closing Time (Days)

Fastest Closing Time (Days)

Payment Structure

Interest Only
Amortized
Interest Reserve

Payment Structure Details

*Please see our loan programs

Pre Payment Penalty

yes

Various programs with and without pre-payment penalty.

Will lend to a foreign national

yes

Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage

Will Consider Collateralizing Multiple Properties in One Loan

yes

Will Consider Equity Joint Venture

Borrower Entity Types Considered

LLC
Limited Partnership
Corporation

Documentation Required

Credit Report
Loan Application

Personal Guaranty (Recourse) Required

Always

Credit Check Required

yes

Credit Check Description

JVC has loan programs for all credit scores whether 800+ or below 500. Higher credit scores with the right collateral will typically yield borrowers better rates and qualify them for more loan program options than a lower score.

Appraisal Required for Residential Property

Sometimes

Appraisal Required for Commercial Property

Sometimes

Broker Price Opinion (BPO) Accepted for Residential Property

Sometimes

Broker Price Opinion (BPO) Accepted for Commercial Property

Sometimes

Legal Disclaimer

JVC does not and cannot guarantee that it will be able to obtain a loan with these terms for borrower(s). *These terms are for informational use only and are subject to any and all necessary lender due diligence. JVC's commitment to obtain any commercial finance loan is subject to the negotiation, execution and delivery of definitive loan and security agreements, mortgages or deeds of trust, notes and other documentation and customary certificates and legal opinions (collectively, "the loan documents"), which in each case must be in form, substance and enforceability satisfactory to JVC and/or it's assigns. *Notwithstanding anything to the contrary contained herein, in no event shall the interest rate contracted for, charged, or received exceed the maximum rate allowed by law for a commercial loan within the appropriate jurisdiction as embodied in this site.

Additional Details

Fees are determined case by case as certain types of finance request will involve construction, multiple properties, rehab, cost to cure, purchases or refinances. Depending on the property type, finance type and use/location certain 3rd party reports may or may not be required.

Joint Venture Capital LLC Testimonials

Gaf Financial

"I and my associates have been transacting multiple commercial real estate properties and have been successfully lent millions of dollars by JVC over the years with no tax returns needed and minimal other requirements, long low rate/ costs 30 year loans and also, when requested, shorter term “soft” bridge loan rates/terms all with high cash out LTV’S that other lenders couldn’t even come close on, and you can always speak with CEO Timothy Joint and JVC is our go to lender and highly recommended."

New York

Clinton Urling

"Helped me get a loan for my first property in the US being a foreign resident this is not an easy task. Thanks to the folks at JVC, I was able to close. Very professional company!"

Brooklyn, New York

Mark Connor

"Great service...JVC helped me close on a Investor property that BOA declined me on. The biggest thing I would say is the staff is very professional and always available for me unlike most brokers and lenders who left me in the dark. Thanks!"

Contact Joint Venture Capital LLC

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848-221-XXXX

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Direct Lender for *High LTV Long term or short term Commercial and non owner occupied Residential Investment Properties Nationwide.

*Ask about our no cost appraisal!
Joint Venture Capital LLC is a nationwide family operated boutique lender that specializes in most all commercial real estate, mixed use, and non owner occupied residential investor properties (SFR, Apartment buildings, multi-family, mixed use, office buildings, warehouse, automotive of etc). As “one of the oldest” longstanding nationwide commercial mortgage companies, we understand commercial lending from short term *non credit based Fast Bridge Loans leveraged primarily on the Real Estate value, to long term *30 year conforming like finance exit strategies to meet both short and long-term business goals. JVC can meet your financial needs from Beginning to end and throughout your financial life as needed.

No one offers a more diverse array of finance options or works harder than JVC for commercial borrowers nationwide!!!

Since 2008, JVC has been committed to providing the best leveraged finance solutions/programs to commercial borrowers, entities, brokers, loan advisors & the like.

The management of JVC has closed & funded multi-millions in diverse non conforming real estate transactions over the last 20 years, building the strongest of relationships whilst helping borrowers realize and achieve their goals & dreams, *as an assigned JVC Team guides you thru the entire transaction process. Call us today and let JVC help you with your financing needs.

Quick Closings – We can close deals in as little as 2 weeks *in many cases without an appraisal!
Professional and Experienced – Multi millions of diverse loans closed
Flexible Terms – We structure unique terms to work best for each deal short or long term.
Direct Lender – Nationwide lender (Some state restrictions may apply).
Brokers Protected – We ensure brokers are protected in our term sheets *and we pay yield spread premiums for volume accounts.

Year Established

2008

Office Locations

East Greenwich, Rhode Island

Primary Capital Source

Own Funds
Bank Credit Line

Alternative Capital Sources

Own Funds
Bank Credit Line
Hedge Funds

Loan Structure for Majority of Loans

Own Balance Sheet
Multiple Investor Fractionalized Note
Table Funding with Capital Partner

Percentage of Loans Secured by Commercial Property

40%

Percentage of Loans Secured by Residential Property

55%

Our Team

Timothy Joint

CEO

Matthew Joint

Senior Business Development Manager / Business Management Consultant

Daniel Genereux

Senior Loan Analysts

Contact Joint Venture Capital LLC

Joint Venture Capital LLC pays us to be listed, so there is no fee to connect with them directly.

848-221-XXXX

Click to show phone number

Send email Create a Loan Request

Stay Informed About Private Lending

Receive our monthly newsletters with valuable insights and industry updates

Contact This Lender

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848-221-XXXX

Send Email

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