Line drawing of a leaf with smaller leaves inside it, stylized in a simple, minimalist style.

Luxury Construction Lending Rooted in Relationship

70%
Of Loan To Value
90%
Of Purchase Price
100%
Of Construction Cost
Same-Day
Draw Requests
24h
Term Sheets

TOV LENDING

Built on experience.

Designed for relationships.

We are a capital partner for experienced builders, backed by decades of experience in financial services. We move quickly, communicate directly, and provide the capital needed to keep projects moving without delays.

GET IN TOUCH

We underwrite people, not just assets.

Build for builders who value speed, simplicity and long term partnership.

01

Move Faster

Deals approved in 24 hours. Close in as little as 5 days.

02

Simplify Your Process

No on-site inspections. Same-day digital draws.

03

Get More Money

Up to 90% purchase. 100% construction. Soft costs included.

OUR OFFERING
An aerial view of a large residential house with a gray roof, surrounded by trees, with a backyard that includes a swimming pool, a patio, and a playground.

Built for builders who need speed and certainty. We’ve simplified the lending experience so you can focus on building, not waiting.

Our Process
Submit project details for review
Underwritten within 24 hours
Funds deployed to begin
Same-day draws throughout build
Work With Us

America’s most prominent neighborhoods in its most flourishing cities are being renewed one home at a time.

Minimalist line drawing of a stylized leaf with smaller leaves inside.

HOW WE WORK

Built on experience. Designed for relationships.

MEET THE TEAM

A Legacy of Success

Founded by a family with a proven track record in financial services, TOV is built on decades of experience helping businesses grow and exit successfully.

35+

Years of experience across lending and financial services

Three men in business casual attire standing in front of a decorative black iron gate and a beige stone building. The man in the center has gray hair and a beard, wearing a blue blazer and gray pants. The man on the left has glasses, a beard, and is wearing a navy jacket, light-colored shirt, and dark pants. The man on the right has long blond hair, a beard, and is wearing a blue blazer, white shirt, and tan pants.
Simple black outline illustration of a leaf with multiple smaller leaves inside.

A direct relationship every time

When you request a draw, you are working directly with our team. No handoffs. Just real partnership.

You have questions. We have answers.

A Few Things Builders Usually Ask.

  • We're a family-run private lender with decades of experience in financing and business growth. You work directly with us, not a layered team. We prioritize relationships, clear communication, and a process designed to get you funded without unnecessary friction.

  • We move quickly. Once your application is approved, we typically underwrite within 24 hours and can wire funds shortly after so you can move forward without delays.

  • Private capital gives you speed, flexibility, and better alignment. We tailor each deal to your project, make decisions quickly, and move capital faster than traditional lenders so you can act on opportunities with confidence.

  • Start with a quick conversation or submit your project online. From there, we review your deal and move quickly toward approval and funding.