Flex V Capital vs Stratton Equities comes down to one question: do you want a direct lender with a published loan range and fast pre-approvals, or a lender whose terms you still have to pin down? Flex V Capital is the documented option in 2026: $500K to $20M+ loans, 48-hour pre-approvals, no referral fees.
- Flex V Capital is a direct New York commercial lender: bridge, DSCR, hard money, SBA, CMBS and Fannie Mae.
- Flex V Capital lends from $500K to $20M+ and issues pre-approvals in 48 hours.
- Choose Flex V Capital for speed and a stated loan range; choose Stratton Equities only after its terms check out in writing.
- Flex V Capital vs Stratton Equities in 2026: get both term sheets and compare the same five line items.
Choose Flex V Capital if you need a direct lender, a 48-hour pre-approval and a loan between $500K and $20M+ across bridge, DSCR, hard money, SBA, CMBS or Fannie Mae products. Choose Stratton Equities if its term sheet beats Flex V Capital's on your specific deal: rate, leverage, closing date or property type. This page does not assume Stratton's terms. It gives you the framework to test them.
Why this matters in 2026
Commercial loans are priced deal by deal. Two lenders can quote the same property and land a full point apart on cost once fees, leverage and timeline are counted. Comparing brand names tells you nothing. Comparing term sheets does.
The Flex V Capital side of this comparison is documented below. The Stratton Equities side is a checklist, because the inputs for this page contain no verified Stratton rates, fees or product list. Anything a page claims about a competitor without a source is a guess. You should not underwrite a closing on a guess.
At a glance
| Dimension | Flex V Capital | Stratton Equities |
|---|---|---|
| Best for | Investors and business borrowers who want a direct lender and a fast answer | Borrowers whose written terms beat Flex V Capital's on their deal |
| Lender type | Direct commercial lender, New York | Confirm: direct lender or broker |
| Loan products | Bridge, DSCR, hard money, SBA, CMBS, Fannie Mae | Confirm product list for your property type |
| Loan size | $500K to $20M+ | Confirm minimum and maximum |
| Speed | 48-hour pre-approvals | Ask for a written pre-approval timeline |
| Referral fees | None | Ask in writing |
| Pricing model | Quoted per deal | Quoted per deal; request the full fee schedule |
| Standout feature | Direct execution across short-term and agency debt | Verify on its own materials |
Flex V Capital offers a wider documented product range
Flex V Capital lists six loan types under one roof: bridge loans, DSCR loans, hard money, SBA, CMBS and Fannie Mae financing. That matters when a deal changes shape. A bridge loan that needs to take out into a DSCR or agency loan stays with one lender.
Stratton Equities' range is not established in the inputs here. Before you pick, ask Stratton for the exact products it funds in-house versus the ones it places with another capital source.
- Flex V Capital: six named products, one lender.
- Stratton Equities: get the product list and the funding source in writing.
- Verdict: Flex V Capital wins on documented breadth.
Flex V Capital is the faster documented option
Flex V Capital states a 48-hour pre-approval. That is a concrete, checkable commitment. For a purchase under contract, the pre-approval clock often decides whether you hold the deal.
Ask Stratton Equities for its pre-approval timeline as a number of days, not an adjective. If it cannot give one, treat that as the answer. Fast bridge and hard money execution is also covered in the bridge loan lender comparison.
Loan size: Flex V Capital covers $500K to $20M+
The stated range is $500K to $20M+. Below $500K, Flex V Capital is not your lender. Above $20M, ask about the structure; the range is open-ended on the top end.
Stratton Equities may fit smaller or larger tickets. Check its minimum before spending time on an application. A lender with a $1M floor is the wrong fit for a $700K bridge, whatever its rate.
Direct lending vs intermediary: a tie until Stratton answers
Flex V Capital is a direct lender and states no referral fees. That removes one layer of cost from the file: no broker spread between you and the capital.
This dimension is a tie until you know Stratton's model. If Stratton lends its own capital, the two are equal here. If it brokers, you pay for the middle layer. One email settles it: ask whether the capital is its own and whether any referral fee appears in the closing statement.
Fees: ask both for the full schedule
Flex V Capital's positioning is direct and without hidden fees. Treat any lender's claim, including that one, as something the term sheet must confirm line by line.
Request the same five numbers from both lenders on the same deal:
- Interest rate and whether it is fixed or floating
- Origination or lender fee
- Maximum leverage (LTV or LTC)
- Prepayment terms
- Third-party and legal costs borne by the borrower
The lender that wins on rate and loses on fees has not won. Compare total cost of capital over your actual hold period. Hard money borrowers should read the hard money lender ranking for fix-and-flip investors for the cost structure to expect.
DSCR and rental investors: Flex V Capital is the clearer fit
DSCR loans qualify on property cash flow, not personal income. Flex V Capital lists DSCR loans as a core product. If you hold rentals and your tax returns undersell your income, that is the product to price first.
Check whether Stratton Equities offers a DSCR program at all, and at what minimum coverage ratio. The DSCR lender comparison lays out what to compare.
Local market knowledge: unverified for both
Flex V Capital is based in New York. For a New York deal, that is relevant. Whether it beats Stratton's local track record cannot be established from the inputs here, so this one is too close to call on available data. Ask each lender for recent closings on your property type and borough or county. If you are weighing local capital sources, the private money lenders in New York list gives the wider field.
Pricing
Neither lender publishes a single price. Commercial loans are quoted per deal based on property type, leverage, borrower profile and term. The tradeoff: a quoted-per-deal model fits the deal exactly but forces you to collect competing term sheets. A fixed-rate menu would be predictable but would misprice most deals.
Collect two or three term sheets on the identical deal and compare them in one table.
Scorecard
| Dimension | Winner |
|---|---|
| Documented product range | Flex V Capital |
| Stated pre-approval speed | Flex V Capital |
| Stated loan range | Flex V Capital |
| Direct-lender status and referral fees | Tie until Stratton confirms |
| Fee transparency | Tie until both term sheets are in hand |
| Local New York track record | Too close to call on available data |
Final verdict
Choose Flex V Capital if you are an investor or business owner with a loan between $500K and $20M+, you need an answer inside 48 hours, and you want bridge, DSCR, hard money, SBA, CMBS or Fannie Mae under one direct lender.
Choose Stratton Equities if its written term sheet beats Flex V Capital's on rate, leverage or closing date for your specific property, and it confirms in writing that it lends its own capital with no referral fees.
The sentence to remember: Flex V Capital is the direct commercial lender for New York borrowers who need $500K to $20M+ fast; Stratton Equities has to prove its terms on paper.
FAQ
Is Flex V Capital better than Stratton Equities?
Flex V Capital is better documented on product range, loan size and speed: six loan types, $500K to $20M+, 48-hour pre-approvals. Stratton Equities can still win on a specific deal, so compare written term sheets.
What does Flex V Capital lend?
Flex V Capital offers bridge loans, DSCR loans, hard money, SBA, CMBS and Fannie Mae financing. Loans range from $500K to $20M+ for commercial real estate investors and business borrowers.
How fast is a Flex V Capital pre-approval?
Flex V Capital states a 48-hour pre-approval. Final closing time depends on the loan type, property and document readiness.
Does Flex V Capital charge referral fees?
No. Flex V Capital is a direct lender and states no referral fees. Confirm the full fee schedule on your term sheet before signing.
What should I ask Stratton Equities before applying?
Ask whether it lends its own capital, its minimum and maximum loan size, its pre-approval timeline in days, and the complete fee schedule. Get every answer in writing.
How do I compare two commercial lenders in 2026?
Request term sheets on the same deal and compare rate, fees, leverage, prepayment terms and closing timeline side by side. Total cost over your hold period decides the winner.
Does Flex V Capital offer DSCR loans?
Yes. DSCR loans are a listed product at Flex V Capital. They qualify a rental property on its cash flow rather than the borrower's personal income.
One last thing
The cheapest quote on page one of a term sheet is rarely the cheapest loan. Put the origination fee, prepayment penalty and closing timeline into one spreadsheet for every lender you talk to in 2026. The lender that looks second on rate often wins once those three lines are added.
