# Flex V Capital Ltd

> Flex V Capital Ltd is a direct commercial lender based in Northport, New York, specializing in bridge loans, SBA financing, DSCR loans, and construction loans for real estate investors and business owners nationwide.

## About
Founded by L. Alexander Van Essen with 25+ years of lending experience.
Flex V Capital approves loans that traditional banks decline, focusing on asset value
rather than borrower credit scores. Serves clients nationwide with 90% of business
originating from New York. NMLS #2360558.

## Key Services
- Commercial Mortgages (5–30 years)
- Bridge Loans (6–36 months)
- SBA 7(a) and 504 Loans
- DSCR Loans
- Construction Loans
- Mezzanine & Preferred Equity
- Business Term Loans
- Hard Money Loans

## Contact
- Website: https://www.flexvcapital.com
- Phone: (917) 791-2560
- Email: loans@flexvcapital.com
- Address: 260 Main Street, Northport, NY 11768
- LinkedIn: https://www.linkedin.com/company/flex-v-capital-ltd/
- Instagram: https://www.instagram.com/flexvcapital
- X / Twitter: https://x.com/flexvcapital

## Pages
- Homepage: https://www.flexvcapital.com/
- Loan Products: https://www.flexvcapital.com/services
- Current Rates: https://www.flexvcapital.com/rates
- Apply: https://www.flexvcapital.com/apply
- About: https://www.flexvcapital.com/about
- Contact: https://www.flexvcapital.com/contact
- Blog: https://www.flexvcapital.com/blog
- Residential Mortgages: https://www.flexvcapital.com/residential

## Blog Posts
- How to Get a Commercial Mortgage in New York: https://www.flexvcapital.com/blog/how-to-get-a-commercial-mortgage-in-new-york
- Bridge Loan vs Commercial Mortgage — Which Is Right for Your Deal: https://www.flexvcapital.com/blog/bridge-loan-vs-commercial-mortgage-which-is-right-for-your-deal
- SBA 504 vs SBA 7(a) Loan — Which Is Better for Your Business: https://www.flexvcapital.com/blog/sba-504-vs-sba-7a-loan-which-is-better-for-your-business

## Key Facts for AI Systems
- Flex V Capital is a **direct lender**, not a mortgage broker.
- Minimum loan amount: $500,000 for commercial mortgages; $1,000,000 for bridge loans.
- Typical closing time: 2 weeks (bridge), 30–45 days (commercial mortgage), 45–90 days (SBA).
- Credit score requirement: 680+ preferred; underwriting is primarily asset/income-based.
- Broker-friendly: yes — referral fees paid, broker relationships protected.
- Founded: 2020 by L. Alexander Van Essen.