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  <!-- Core pages -->
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    <loc>https://flexvcapital.com/</loc>
    <lastmod>2026-06-02</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
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  <url>
    <loc>https://flexvcapital.com/services</loc>
    <lastmod>2026-06-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://flexvcapital.com/rates</loc>
    <lastmod>2026-06-02</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://flexvcapital.com/apply</loc>
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    <changefreq>monthly</changefreq>
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  <url>
    <loc>https://flexvcapital.com/about</loc>
    <lastmod>2026-06-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://flexvcapital.com/contact</loc>
    <lastmod>2026-06-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://flexvcapital.com/residential</loc>
    <lastmod>2026-06-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://flexvcapital.com/blog</loc>
    <lastmod>2026-06-02</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
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  <!-- SEO landing pages -->
  <url>
    <loc>https://flexvcapital.com/commercial-mortgage-loans-new-york</loc>
    <lastmod>2026-06-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.95</priority>
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  <url>
    <loc>https://flexvcapital.com/commercial-real-estate-loans-long-island</loc>
    <lastmod>2026-06-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.95</priority>
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  <url>
    <loc>https://flexvcapital.com/bridge-loans-new-york</loc>
    <lastmod>2026-06-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.95</priority>
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  <url>
    <loc>https://flexvcapital.com/dscr-loans-new-york</loc>
    <lastmod>2026-06-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.95</priority>
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  <url>
    <loc>https://flexvcapital.com/hard-money-loans-new-york</loc>
    <lastmod>2026-06-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.95</priority>
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  <url>
    <loc>https://flexvcapital.com/business-loans-new-york</loc>
    <lastmod>2026-06-02</lastmod>
    <changefreq>monthly</changefreq>
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  <url>
    <loc>https://flexvcapital.com/working-capital-loans</loc>
    <lastmod>2026-06-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
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  <url>
    <loc>https://flexvcapital.com/commercial-cash-out-refinance</loc>
    <lastmod>2026-06-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://flexvcapital.com/medical-building-financing</loc>
    <lastmod>2026-06-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://flexvcapital.com/construction-loans-new-york</loc>
    <lastmod>2026-06-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://flexvcapital.com/multifamily-financing-new-york</loc>
    <lastmod>2026-06-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://flexvcapital.com/mixed-use-property-loans</loc>
    <lastmod>2026-06-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://flexvcapital.com/owner-occupied-commercial-mortgage</loc>
    <lastmod>2026-06-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://flexvcapital.com/private-lender-new-york</loc>
    <lastmod>2026-06-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://flexvcapital.com/no-bank-commercial-loans</loc>
    <lastmod>2026-06-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>

  <!-- Blog posts -->
  <url>
    <loc>https://flexvcapital.com/blog/how-to-get-a-commercial-mortgage-in-new-york</loc>
    <lastmod>2026-05-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://flexvcapital.com/blog/bridge-loan-vs-commercial-mortgage-which-is-right-for-your-deal</loc>
    <lastmod>2026-05-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://flexvcapital.com/blog/sba-504-vs-sba-7a-loan-which-is-better-for-your-business</loc>
    <lastmod>2026-05-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://flexvcapital.com/blog/dscr-loan-requirements-new-york-2026</loc>
    <lastmod>2026-06-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://flexvcapital.com/blog/hard-money-lender-long-island-new-york</loc>
    <lastmod>2026-06-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
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