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Capital Solutions
Built for Business Growth

Legacy Venture Financial Group sources and structures financing for SMBs, real estate investors, and operators nationwide — from SBA programs and CRE lending to equipment financing, credit lines, and strategic advisory.

25+
Financing Products
$15M+
Single Deal Capacity
48h
Funding in as little as
50+
States Served

Full-Spectrum Commercial Finance

From acquisition financing and SBA programs to credit lines, factoring, and strategic consulting — LVF Group structures solutions across every stage of business.

CRE Lending
SFR rentals, fix & flip, ground-up construction, multifamily, retail/commercial, owner-occupied — conventional & SBA.
Business Term Loans
SBA 7(a), SBA 504, and conventional term financing for growth, acquisitions, equipment, and working capital.
Business Credit Lines
Secured SBA, secured conventional, and unsecured revolving credit facilities for ongoing capital needs.
Revenue-Based Financing
Same-day advances against future revenue with flexible repayment. Fast funding for businesses that need capital now.
Factoring & Specialty Finance
Invoice factoring, purchase order financing, business-use HELOCs, and credit card processing solutions.
Advisory & Consulting
Financial deep dives, balance sheet restructuring, profitability optimization, competitive analysis, and strategic roadmaps.

Simple. Fast. Transparent.

01
Initial Consultation
We discuss your goals, timeline, and capital needs — no obligation, no hard sell. Just clarity on what's possible.
02
Document & Review
We gather the necessary documentation and review your financials to identify the right products and lender fit.
03
Market & Structure
We submit to the right lenders, negotiate terms, and structure the deal to optimize rate, term, and repayment.
04
Close & Fund
We guide you through closing, coordinate with all parties, and confirm your funds are received and deployed.

Independent Expertise.
Institutional Backing.

Legacy Venture Financial Group (LVF Group LLC) is a commercial finance company specializing in real estate lending, business financing, and strategic advisory. We offer financing products and solutions sourced through our network of lending partners.

Our focus is on structured, asset-backed, and SBA-eligible products — providing clients with institutional-grade access and personalized, hands-on service from first conversation to funded deal.

Serving Clients Nationwide SMBs and real estate operators across all 50 states
Fast Turnarounds Pre-qualifications typically within 24–48 hours
15+ Product Categories CRE, SBA, term loans, credit lines, advisory
Referral Partner Network CPAs, CRE brokers, attorneys, and business brokers

LVF Group LLC offers financing products and solutions arranged through our network of lending partners. All products subject to approval, underwriting, and applicable law. Terms vary by product and borrower profile.

Ready to explore your options?

No obligation. No hard pull. Just a conversation about what's possible.

FAQ

What types of businesses do you work with? +
We work with a wide range of SMBs across industries — including real estate investors, contractors, retailers, professional service firms, manufacturers, distributors, and more. If you have a legitimate business and a financing need, we can likely find a fit.
Is there a cost to apply or get a consultation? +
No upfront cost for standard financing engagements. Legacy Venture Financial Group is compensated through fees earned at closing. We do not charge application fees or retainers for financing. Consulting engagements may be priced separately depending on scope.
How long does the process take? +
It depends on the product. Some business credit lines and factoring arrangements can be structured in 24–72 hours. SBA loans and CRE transactions typically take 30–90 days from application to closing depending on complexity, collateral, and lender timelines.
What credit score do I need? +
Requirements vary significantly by product. SBA loans generally prefer a 650+ personal credit score. Some asset-backed products like fix & flip or hard money loans are more flexible on credit. We'll be upfront about qualifications early in the process so there are no surprises.
Do you work with startups or early-stage businesses? +
Some products — like SBA startup loans, business-use HELOCs, and certain factoring programs — can accommodate early-stage businesses. Others require 1–2+ years in operation and established revenue. Let's talk and see what makes sense for your stage.

CRE Lending Solutions

From single-family rentals to ground-up multifamily construction, we source and structure CRE financing tailored to your investment strategy and exit.

Investment Property Financing
Asset-backed lending for real estate investors across all property types and strategies.
DSCRLong-Term
Single Family Rental (SFR)
30-year investor DSCR loans for stabilized 1–4 unit rentals. Qualified on rental income — no personal income required.
Loan Range$75K – $3M+
LTVUp to 80%
Term15 / 30-year
Get Started →
Short-TermAsset-Based
Fix & Flip
Short-term bridge financing for 1–4 unit residential acquisitions and rehab. Funded off ARV with fast closing timelines.
Loan Range$75K – $5M
LTC / ARVUp to 90% LTC / 75% ARV
Term6–18 months
Get Started →
Construction
Ground-Up Construction — SFR
New construction financing for 1–4 unit residential builds. Draws structured to project milestones.
Loan Range$150K – $5M
LTCUp to 85%
Term12–24 months
Get Started →
Construction5+ Units
Ground-Up Construction — Multifamily
Construction-to-perm or standalone construction financing for multifamily (5+ units), with flexible draw structures.
Loan Range$500K – $75M+
LTCUp to 80%
Term18–36 months
Get Started →
CREBridge / Perm
Retail & Commercial
Permanent and bridge financing for retail strip centers, mixed-use, office, industrial, and other income-producing commercial assets.
Loan Range$500K – $75M+
LTVUp to 75%
Term5–25 years
Get Started →
BridgeAsset-Based
Hard Money & Bridge
Short-term hard money financing for time-sensitive CRE acquisitions, repositioning, or interim capital needs. Credit flexible.
Loan Range$1M – $75M+
LTVUp to 70% ARV
Term6–36 months
Get Started →
Owner-Occupied CRE
Financing for businesses purchasing or refinancing the property they operate from.
SBA 504Owner-Occupied
Owner-Occupied — SBA 504
SBA 504 financing for businesses purchasing commercial real estate they will occupy. Low down payment, long amortization, competitive fixed rates.
Down PaymentAs low as 10%
Loan Range$500K – $15M+
Term10 / 20 / 25-year
Get Started →
ConventionalOwner-Occupied
Owner-Occupied — Conventional
Conventional commercial mortgage for owner-occupied properties when SBA is not preferred or eligible. Flexible structures.
LTVUp to 75–80%
Loan Range$250K – $10M+
Term5–25 years
Get Started →

Disclosure

All loan products are subject to approval, underwriting guidelines, and applicable federal and state regulations. Some products are offered directly by LVF Group LLC; others are arranged through our network of lending partners. Rates, terms, and availability vary based on borrower qualifications, property type, and market conditions. Nothing on this page constitutes a commitment to lend. Real estate investment involves risk; past performance is not indicative of future results.

Have a CRE deal in mind?

Share the basics and we'll get back to you with a preliminary read within 24 hours.

Business Financing Solutions

SBA programs, conventional term loans, equipment financing, lines of credit, factoring, and more — structured around how your business actually operates.

SBA Loan Programs
Government-backed financing with up to 90% LTV, long amortizations, and below-market rates. No prepayment penalty on terms under 15 years.
SBA 7(a)
SBA 7(a) Standard
The most flexible SBA program. Working capital, equipment, acquisitions, debt refinancing, partner buyouts, and owner-occupied real estate.
Loan Range$25K – $5M
TermUp to 25 yrs (10 yrs WC/Equip)
RatePrime + spread (variable)
Down Payment0% most cases
Speed30–90 days
Get Started →
SBA 7(a)CRE
SBA 7(a) — CRE
SBA-backed financing for owner-occupied commercial real estate purchase or construction. Low injection, long amortization, variable rate tied to Prime.
Loan RangeUp to $15M
TermUp to 25 years
RatePrime + spread (variable)
Down Payment10%+ typical
Speed45–90 days
Get Started →
SBA 504Fixed Rate
SBA 504
Fixed-rate SBA financing for owner-occupied real estate, heavy equipment, and ground-up construction. Lowest long-term rate in the SBA suite — fixed for the life of the loan.
Loan RangeUp to $5.5M ($40M select lenders)
Term10, 20, or 25 years (FIXED)
RateTreasury-based fixed rate
Down Payment10% (borrower)
Speed60–90 days
Get Started →
Additional SBA Programs +
Conventional Business Term Loans
No SBA involvement — faster close, straightforward structure. Ideal for strong borrowers who want simplicity over government backing.
Conventional
Conventional Business Term Loan
Bank and non-bank term loans for established businesses. Any business purpose — growth, equipment, working capital, or refinancing. Faster close than SBA.
Loan Range$10K – $10M+
Term1–10 yrs (up to 25 w/ RE)
RateFixed or variable
Down Payment10–20% typical
Speed2–4 weeks
Get Started →
Acquisition
Business Acquisition Financing
Structured financing for acquiring an existing business. SBA 7(a) is commonly used; conventional options available depending on deal structure and borrower profile.
Loan Range$250K – $5M+
TermUp to 10 years
Equity Inject10–20% typical
Speed30–60 days
Get Started →
Business Lines of Credit
Draw what you need, when you need it. Interest accrues on drawn balance only.
SBA Express
SBA Express Line of Credit
Government-backed revolving line for seasonal businesses and working capital cycles. Fast SBA approval, no collateral required.
Line AmountUp to $500K
TermRevolving (10-yr max)
RatePrime-based (variable)
CollateralNone required
Speed1–3 weeks
Get Started →
Conventional
Secured Business Line of Credit
Asset-backed revolving credit secured by business assets, AR, inventory, or real estate. Larger lines at better rates than unsecured.
Line Amount$50K – $5M+
TermRevolving (annual renewal)
RatePrime-based (variable)
CollateralBusiness assets or RE
Speed2–4 weeks
Get Started →
AR-Based
Accounts Receivable Line
Revolving line collateralized by outstanding receivables — up to 80% advance on eligible AR. Ideal for invoice-heavy businesses with 30/60/90-day payment cycles.
Line Amount$50K – $5M
Advance RateUp to 80% of eligible AR
RateVariable
Speed2–3 weeks
Get Started →
Unsecured
Unsecured Business Line of Credit
Revolving credit with no collateral requirement. Draw what you need, repay, and draw again. Approval driven by credit profile and business performance.
Line Amount$10K – $250K
Min. Credit640+ preferred
Time in Business1+ years
Get Started →
Equipment Financing
Equipment serves as collateral — low to no down payment, preserve working capital. New or used, any industry.
Conventional
Equipment Loan
Conventional financing for new or used equipment across any industry. Buy or lease structure available — equipment is collateral, little to no down payment required.
Loan Range$10K – $3M
Term2–7 years
RateFixed or variable
Down PaymentLittle to none
Speed1–3 weeks
Get Started →
SBA 7(a)
Equipment Loan — SBA 7(a)
SBA-backed equipment financing for larger or specialized equipment, or startups with thin operating history. Higher loan limits, no down payment.
Loan Range$25K – $5M
TermUp to 10 years
RateSBA rate caps apply
Down Payment0%
Speed3–6 weeks
Get Started →
SBA 504Fixed Rate
Equipment Loan — SBA 504
Fixed-rate 504 financing for heavy or major equipment with long useful life. Lowest long-term rate available for qualifying equipment purchases.
Loan Range$250K – $5.5M
Term10 years (FIXED)
RateTreasury-based fixed rate
Down Payment10% (borrower)
Speed60–90 days
Get Started →
Specialty & Alternative Financing
Cash flow and working capital solutions for specific business structures and needs.
Same-Day
Revenue-Based Financing
Fast, flexible capital advanced against future business revenue. No fixed monthly payment — repayment scales with your cash flow. Funded same day in many cases.
Advance Amount$5K – $500K
Funding SpeedSame day – 24 hours
Min. Revenue$10K+/month
Get Started →
Factoring
Invoice Factoring
Convert outstanding B2B invoices into immediate cash. Non-dilutive. Advance rates on your receivables without taking on traditional debt.
Advance Rate70–90% of invoice
Volume$10K – $10M+/mo
Contract RequiredVaries by lender
Get Started →
PO Finance
Purchase Order Financing
Fund supplier payments using confirmed purchase orders. Ideal for product businesses winning orders they can't self-fund.
AdvanceUp to 100% of PO cost
RequirementConfirmed B2B/B2G POs
Min. PO Size$50K+
Get Started →
HELOCBusiness Use
Business-Use Exemption HELOC
Home equity line of credit structured under business-use exemption for business owners seeking to leverage residential equity for business capital.
Line Amount$50K – $2M+
CLTVUp to 85%
UseBusiness purpose required
Get Started →
Processing
Credit Card Processing
Competitive merchant processing rates through our network. Rate review and optimization for businesses currently overpaying on interchange.
RatesInterchange+ & flat rate
HardwareAvailable
SetupFree rate analysis
Get Started →

Disclosure

Some financing products are offered directly by LVF Group LLC; others are arranged through our network of lending partners. All products are subject to approval, underwriting, and applicable state and federal law. Rates shown are ranges across programs and subject to change based on creditworthiness, loan structure, and market conditions. SBA rates based on WSJ Prime Rate of 6.75% as of March 2026; SBA 504 rates based on current 10-year Treasury. Business-use HELOC products subject to applicable business-purpose exemptions — consult legal and tax counsel. Factoring and PO financing terms vary by provider. Nothing on this page constitutes a commitment to lend or extend credit.

Not sure which product fits?

Tell us about your business and we'll identify the right structure together.

Business Consulting & Advisory

Beyond capital — LVF Group provides strategic advisory designed to strengthen your financial foundation, optimize operations, and position you for growth.

What We Offer

Each engagement is scoped individually based on your business stage, goals, and challenges. We don't sell packages — we solve problems.

01
Financial Deep Dive & Planning
A comprehensive review of your financials — P&L, balance sheet, cash flow, and margins — with forward-looking modeling and a clear action plan. Ideal for businesses preparing for a loan, acquisition, or ownership transition.
02
Balance Sheet Restructuring & Optimization
Identify liabilities to refinance, assets to leverage, and structural changes that improve your borrowing capacity, reduce cost of capital, and improve lender optics — without changing how you operate.
03
Cost Optimization & Profitability Enhancement
A systematic line-by-line review of your cost structure against revenue drivers. We identify leakage, renegotiation opportunities, and margin improvement levers that go directly to your bottom line.
04
Industry Benchmark & Competitive Analysis
Understand where you stand relative to industry peers — margins, revenue per employee, operational ratios, and positioning. Know what lenders and buyers look for before they ask.
05
SEO & Website Optimization for Business Growth
A practical audit of your web presence, search visibility, and conversion points. We identify what's leaving money on the table online and provide a prioritized roadmap to fix it — no agency retainer required.
06
Strategic Roadmap & Business Expansion
A structured expansion plan tied to your financial reality — whether that's opening a new location, entering a new market, acquiring a competitor, or scaling headcount. We stress-test the plan against your balance sheet and financing options.
07
Bookkeeping Services
Ongoing bookkeeping support to keep your financials clean, current, and lender-ready. Accurate books are the foundation of every successful financing engagement — we help you build and maintain them.
08
Personal & Business Credit Repair
Comprehensive credit restoration for individuals and businesses — including tradeline optimization, inquiry removal, dispute resolution, and score-building strategy. Stronger credit profiles unlock better rates, higher approvals, and more financing options.

Advisory Disclosure

LVF Group LLC provides general business advisory and consulting services. Consulting services are distinct from and independent of financing brokerage services. Advisory engagements do not constitute legal, accounting, tax, or investment advice. Clients should consult licensed professionals for legal, tax, or accounting matters. Consulting engagements are subject to a separate engagement agreement and fee schedule.

Let's talk about your business.

Consulting engagements start with a complimentary discovery call — no obligation.

Start the Conversation

Fill out the form and we'll follow up within one business day. No obligation, no hard credit pull at the inquiry stage.

LVF Group LLC

LVF Group LLC is a commercial finance company offering financing products and solutions arranged through our network of lending partners — serving SMBs and real estate operators nationwide.

Email

inquiries@lvfgroupllc.com

Response Time

Typically within 1 business day

Service Area

Nationwide — all 50 states

LVF Group LLC offers financing products and solutions sourced through our network of lending partners. By submitting this form, you consent to being contacted regarding your inquiry. We do not sell your information to third parties.

Tell Us About Your Needs
A quick overview helps us match you with the right product and come to the first call prepared.
— Select one or more —
CRE Lending
Business Finance — SBA
Business Finance — Conventional
Business Finance — Other
Consulting

Submitting this form does not constitute an application for credit and will not result in a hard credit inquiry. All information is kept confidential.

We'll be in touch soon.

Thanks for reaching out. A member of the LVF Group team will follow up within one business day.

Finance Calculators

Explore your options and run the numbers before you apply. These tools are for educational purposes only and do not constitute a commitment to lend.

Find Your Best Fit

Answer 4 questions to see which financing options match your needs.

Question 1 of 4

What is the primary purpose of the financing?

Question 2 of 4

How long has your business been operating?

Question 3 of 4

What is your approximate personal credit score?

Question 4 of 4

How much are you looking to finance?

CRE Loan Calculator

Calculate debt service coverage and estimated monthly payments for commercial real estate financing.

Monthly Payment (P&I)
Annual Debt Service
Net Operating Income (NOI)
DSCR
LTV
Cap Rate
Results are estimates based on the inputs provided. Actual loan terms, payments, and qualification are subject to lender underwriting. This tool does not constitute a commitment to lend.

Compare Loan Options

See how SBA, conventional, and alternative financing stack up for your deal. Select a purpose to filter relevant products.

Rate ranges are representative as of March 2026 and vary based on borrower credit, collateral, loan structure, and lender. Terms shown are typical maximums — actual terms determined at underwriting. This comparison is for educational purposes only and does not constitute a commitment to lend, a pre-approval, or a guarantee of eligibility or pricing.

Grow Together.
Refer. Earn. Repeat.

We partner with CPAs, CRE brokers, business brokers, attorneys, and financial professionals to bring their clients access to institutional-grade financing — and reward the relationships that make it happen.

What You Get

Competitive Compensation
Earn referral fees and broker compensation on funded deals. Structure varies by program and product type.
15+ Products to Offer
SBA loans, CRE financing, equipment, credit lines, factoring, revenue-based financing, and more — one relationship, full access.
Fast Turnarounds
Pre-qualifications typically within 24–48 hours. We respect your clients' time and make you look good in the process.
White-Glove Service
Your clients are handled with the same professionalism you've built your reputation on. We represent you well.

Choose Your Involvement Level

Broker Program

For brokers, sales organizations, and professional services firms who want to actively place deals alongside their core business. You bring the relationship — we handle the financing, lender network, and execution from start to funded.

Active deal placement with compensation on funded transactions
Access to 15+ financing products across SBA, CRE, and business finance
Deal structuring guidance and support throughout the process
Structured partnership arrangement through our lending network
Best for: Finance brokers, ISOs, sales orgs
Referral Program

For professionals who want to connect their clients with financing without taking on an active role. You make the introduction — we handle everything from there. A simple, low-commitment way to add value to your client relationships.

Compensation on successfully funded referrals
No licensing requirement or active deal involvement needed
Strengthen your client relationships without adding workload
Simple, straightforward arrangement
Best for: CPAs, attorneys, CRE brokers, advisors

Who We Work With

CPAs & Accountants
Your clients trust your financial judgment. When they need capital, you can make a warm introduction that adds value without adding liability.
CRE Brokers
Help your buyers close by connecting them with the right CRE financing — DSCR, bridge, SBA 504, construction. We speak the same language.
Business Brokers & M&A
Deals fall apart when buyers can't find financing. We specialize in SBA acquisition loans and can pre-qualify buyers quickly.
Attorneys
Business and real estate attorneys regularly encounter clients who need financing. A trusted referral is a natural extension of the relationship.
Financial Advisors
Business owners who are your wealth management clients often need commercial financing. We handle the debt side so you can focus on the asset side.
Insurance Professionals
Commercial insurance producers have deep client relationships with business owners who regularly need capital. A referral program is a natural fit.

Ready to Partner?

Fill out the form and we'll follow up within one business day to discuss which program fits your practice and walk you through how the relationship works.

Email

inquiries@lvfgroupllc.com

Response Time

Typically within 1 business day

Partner Inquiry
Tell us about yourself and what kind of partnership you're interested in.

Submitting this form does not create a binding partnership or compensation agreement. Partnership arrangements are facilitated through our lending network and subject to applicable terms.

Resources

The latest insights and practical guides to help business owners and real estate operators make smarter financial decisions.

SBA Loans
SBA & Government Loans

SBA 7(a) Loans Explained: The Most Flexible Government-Backed Financing Available

The SBA 7(a) program is the federal government's most widely used small business loan. Here's everything you need to know about eligibility, use of funds, rates, and how to position your business for approval.

8 min readApr 14, 2026
DSCR Loans
Real Estate Finance

DSCR Loans for Real Estate Investors: Qualify on Rental Income, Not W-2s

Debt Service Coverage Ratio loans are changing how investors finance rental properties. No tax returns, no personal income verification — just the numbers on the property. Here's how they work.

6 min readMar 28, 2026
Credit
Credit & Capital

How to Build and Repair Your Business Credit Score

Business credit is one of the most overlooked tools available to small business owners. A strong profile unlocks better rates, higher approvals, and more financing options. Here's how to build it intentionally.

7 min readMar 10, 2026
Working Capital
Business Finance

Working Capital 101: How to Fund Day-to-Day Operations Without Disrupting Growth

Cash flow gaps can stall even a profitable business. Understanding your working capital options — lines of credit, revenue-based financing, factoring — helps you choose the right tool for the right moment.

5 min readFeb 18, 2026
SBA 504
SBA & Government Loans

SBA 504 vs. Conventional CRE Financing: Which Is Right for Your Business?

If you're buying the building your business operates from, SBA 504 offers fixed rates and a 10% down payment that conventional loans rarely match. But there are trade-offs worth understanding before you commit.

6 min readJan 30, 2026
Fix & Flip
Real Estate Finance

Fix & Flip Financing: How to Structure Your First (or Next) Rehab Deal

Hard money and bridge loans are the engine behind most fix-and-flip projects. Understanding LTC, ARV, draw schedules, and exit strategy before you close can be the difference between a profitable flip and a costly mistake.

7 min readJan 9, 2026
Factoring
Business Finance

Invoice Factoring vs. a Line of Credit: Which One Actually Solves Your Cash Flow Problem?

Both products get cash in the door faster — but they work very differently and suit different business models. Here's how to evaluate which one fits your receivables cycle and growth stage.

5 min readDec 12, 2025
Tradelines
Credit & Capital

Tradelines, Inquiries, and Credit Repair: A Practical Guide for Business Owners

Understanding how tradelines affect your credit profile — and how to strategically add them — can meaningfully improve your score in 60–90 days. Here's what actually moves the needle and what to avoid.

8 min readNov 20, 2025
SBA Eligibility
SBA & Government Loans

Am I Eligible for an SBA Loan? A Plain-English Breakdown of the Requirements

SBA loans aren't just for established businesses with perfect credit. Many owners who assume they don't qualify actually do. Here's what lenders actually look at and how to position your application for the best outcome.

6 min readOct 8, 2025
Construction
Real Estate Finance

Ground-Up Construction Financing: What Developers Need to Know Before They Break Ground

Construction loans have a different risk profile than permanent financing — and lenders evaluate them differently. From draw schedules to completion guarantees, here's what to expect from the construction loan process.

9 min readSep 3, 2025
Acquisitions
Business Finance

Buying a Business: How to Finance an Acquisition Without Draining Your Capital

Acquiring an existing business is one of the fastest ways to grow — but structuring the financing correctly is critical. SBA 7(a) is the most common vehicle, but there's more to the story than the down payment.

7 min readJul 22, 2025
HELOC
Credit & Capital

Using a Business-Purpose HELOC to Fund Your Business: What the Business-Use Exemption Really Means

Home equity can be one of the most cost-effective sources of business capital — but only when structured correctly under the business-use exemption. Here's how it works and what you need to qualify.

5 min readMay 14, 2025

Have a question about your situation?

Every business is different. Let's talk through your options — no obligation.