Investor journal
What Is Joint Venture Financing?
Understand real estate joint ventures, partner contributions, decision rights and risk allocation, and distinguish an equity arrangement from a loan.
A partnership, not simply borrowed money
A real estate joint venture combines parties’ capital, experience, property or execution resources under an agreement. Ownership and economic rights depend on that agreement rather than a standard interest payment.
Define roles before defining returns
Document cash contributions, guarantees, construction responsibilities, management decisions and reporting. Spell out who can approve budget changes, take on debt or sell the asset.
Plan for losses and disagreements
Address cost overruns, capital calls, defaults, deadlock, early exits and distributions. Profit-sharing terms are not universal; qualified legal and tax advisers should review the agreement.
Separate the JV from property debt
A JV may borrow a loan, but the partnership and the lender have different rights. Curlee can review construction financing involving experienced project partners; this page does not offer a standard Curlee equity JV product or promise partner economics.
New Construction & Commercial: published program terms
| Term | 12–36 months, extensions available |
|---|---|
| Rate | Call for today's pricing |
| Loan-to-cost | Up to 85% LTC |
| Loan-to-ARV | 70%–75% qualifying range |
| Loan size | $250,000 – $5,000,000 |
| Experience | 2+ completed builds preferred; JV options for newer builders |
| Draw schedule | Inspection-based, 24–48 hour turnaround |
| Capital sources | Banks, debt funds, insurance companies, CMBS, equity |
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