Earn 8–16% annually
on DVC-secured loans.
DVC members need financing. You provide the capital, hold the first-position lien, and earn interest. We originate every loan, handle all servicing, and manage default recovery through our own resale brokerage. You never deal with the borrower.
You are lending against an asset
we can sell today.
Every loan is secured by a DVC contract we can list and sell through our own brokerage the day a borrower defaults. We lend conservatively — well below current market value — so your equity cushion is built in before a single dollar changes hands.
DVC resale values can fluctuate. Our lending matrix is designed to absorb reasonable market movement — but no investment is without risk.
How a deal works
Borrower applies and qualifies
A DVC member applies for financing. We run a credit check and calculate their maximum loan using our conservative per-resort, per-point lending matrix — not the purchase price. The loan amount is always set well below current contract value.
You review the full loan prospectus Your choice
Your private dashboard shows every number — loan amount, rate, term, equity cushion, what you earn, what DVCLoans.com earns. Full transparency. Accept or pass — your rules, your criteria.
Title company contacts you directly
Once you accept, our title company sends you wire instructions and your funding deadline — set by the DVC contract closing date. They handle all escrow and closing documentation.
Your lien is recorded at closing You are secured
Your first-position lien is recorded against the DVC deed before a single dollar reaches the borrower. The borrower cannot sell, transfer, or refinance the contract without satisfying your lien first. You hold the senior secured interest.
Monthly payments arrive in your account
Borrower pays DVCLoans.com. We process the payment, keep our servicing spread, and ACH your portion within 2 business days. You never interact with the borrower directly.
Payoff — lien released
At loan end, final payment received. Your lien is released. Full principal plus all accrued interest has been returned to you.
What protects your principal
Conservative lending matrix
We lend by points — not purchase price. Our per-resort, per-point lending rates are set well below current market prices and adjusted by contract size. Larger contracts receive a lower per-point rate, reflecting resale market dynamics. The gap between loan amount and contract value is your equity cushion.
Recorded first-position lien
Your lien is recorded against the DVC deed at closing. You — the lender — hold the senior secured position. No other creditor ranks ahead of you on this asset. The borrower legally cannot sell, transfer, or refinance without clearing your debt first.
DVCSales.com default recovery
If a borrower defaults, we execute the lien and list the contract immediately on our own DVC resale brokerage. We sell these contracts every day. We know the buyers, the pricing, and how to move quickly. Our broker commission is waived if needed to protect your principal.
What we cannot guarantee
DVC resale values can and do fluctuate. A severe or sustained decline in DVC resale prices could reduce collateral value below your outstanding loan balance. Our lending matrix and conservative loan terms are designed to absorb reasonable market movement — but this is not a risk-free investment.
If a borrower stops paying — here is exactly what happens
Florida law (Chapter 721) governs timeshare foreclosures and is one of the most lender-friendly states in the country. Here are your three options and what each costs.
Deed in lieu
Borrower voluntarily surrenders the contract. Fastest and cheapest path. We approach the borrower first — many prefer this over a formal foreclosure on their credit record.
Non-judicial foreclosure
Trustee-administered process under Florida Statute §721.855. No court required. Fast, low cost, and the standard path if the borrower doesn't cooperate. Included in every loan agreement.
Judicial foreclosure
Only required if the borrower formally contests the non-judicial process. More costly and slower but the outcome is the same — contract recovered and listed on DVCSales.com.
Payment missed — you are notified immediately
DVCLoans.com alerts you the day a payment is missed. Grace period begins per the loan agreement.
Deed in lieu attempted
We contact the borrower and offer a voluntary surrender. If accepted, contract is transferred back within 2–4 weeks at ~$500 cost. Most cooperative borrowers take this route.
Non-judicial foreclosure initiated
If borrower does not cooperate, trustee foreclosure begins under Florida Statute §721.855. Notice sent, statutory waiting period runs. Cost: ~$680.
Contract listed on DVCSales.com
Contract transferred to DVCLoans.com and immediately listed on our resale brokerage. We price to sell — we know this market and the active buyers. Broker commission waived if needed.
Contract sold — you are made whole
Sale proceeds applied to your outstanding balance first. Any surplus handled per loan agreement. Your principal is returned.
Best case — and worst
Every lender deserves to see the full picture including all costs and realistic timelines. Here are three scenarios on the same $14,000 loan.
The real exposure in a default is approximately 4–6 months without incoming payments during the recovery process — not principal loss, assuming market prices hold.
A 20% decline in DVC resale prices is historically severe. Our lending matrix absorbs this level of movement. A decline exceeding the cushion percentage would begin to erode principal — this is the risk you accept as a lender.
See what you could earn
Ready to put your capital
to work?
We are working with a small group of founding lenders. Minimums, full criteria, and lender agreements available on request.