We Underwrite People, Not Just Assets.

ABOUT TOV

A logo with a stylized plant inside a hexagon, with the words 'toy lending' underneath.
Modern living room with large windows, gray sofa, chairs, plants, and wooden accents.

We support luxury builders and experienced operators with relationship driven financing built for speed, flexibility and long term growth.

Our Story

We believe good builders deserve a better lending experience rooted in relationship. TOV was built on the belief that good business starts with knowing the people behind the project. Backed by decades of experience building, operating, and advising financial businesses, our team brings a long-term perspective to every relationship, creating a lending experience defined by trust, speed, expertise, and personal accountability from start to finish.

“TOV” is the Hebrew word for good.

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Relationships

We take time to know our borrowers personally, creating long-term partnerships rooted in trust and accountability.

Speed

Deals approved in 24 hours with a streamlined process designed experience to keep projects supporting moving efficiently.

Experience

Built on decades of financial and operationalexperience moving efficiently. builders, operators, and entrepreneurs.

Let’s talk about what you’re building next.

OUR PROCESS

Streamlined work process that drives result effeicent transparent and tailored for success

01

Connect

We start with a conversation. Understanding the builder, the opportunity, and the long-term vision helps us move faster and structure deals more effectively.

02

Apply & Review

Submit your loan opportunity through our system. Our team typically reviews applications within 24 hours with a streamlined process designed around experienced operators.

03

Close & Build

Once terms are finalized, we coordinate directly with your title company to close quickly and fund the project so construction can begin without delay.

04

Request Draws

Upload invoices, progress photos, and a short walkthrough video through our draw portal. Our simplified process helps eliminate unnecessary inspections and keeps projects moving efficiently.

OUR TEAM

A man with long, wavy hair and a beard, wearing a white button-down shirt and beige pants, standing outdoors beside a black lantern-style wall light and a white stone railing with greenery.

Our founders built and sold a technology finance platform that funded over $1B for 25,000+ customers. We now bring that experience to luxury spec construction lending in America's fastest-growing cities.

JORDAN SUTTON

President

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BENEDIKT LANGER

General Manager

A middle-aged man with gray hair and a beard, wearing a navy blue short-sleeve button-up shirt and light-colored pants, standing outdoors near a house with a lantern-style outdoor light fixture on the wall and greenery in the background.

GARY SUTTON

Chairman

A woman with wavy light brown hair, smiling, wearing a black top, gray cardigan, a silver cross necklace, and blue jeans.

ALANNA THOMPSON

Loan Coordinator

You have questions. We have answers.

A Few Things Builders Usually Ask.