CV Holdings

What CV Holdings does

CV Holdings, Inc. (OTC Pink: CVHL) is a publicly traded specialty finance company headquartered in Newport Beach, California, that operates two principal subsidiaries. Centra Funding, LLC, based in Plano, Texas, originates small-ticket equipment leases of up to $250,000 (with an average finance contract of approximately $35,000) on a nationwide, vendor- and broker-sourced basis across 16 industries under the marketing brand '4-Hour Funding'. CV Capital Funding, LLC (CVCF) provides commercial real estate bridge loans, mezzanine financing, renovation finance, preferred equity, and debt purchases with loan sizes ranging from $500,000 to $20 million, secured by first mortgages on multi-unit residential, industrial, office, hospitality, and other commercial properties, with concentration in the New York metropolitan area, New Jersey, Connecticut, Delaware, Pennsylvania, and Florida.

The company earns revenue primarily through interest income on its loan and equipment-finance portfolios, supplemented by brokerage, origination, and management/servicing fees (including those generated through its non-performing loan joint venture). Funding is sourced through a diversified stack that includes a $175 million senior revolving credit facility with Capital One (refinanced from Wells Fargo in April 2026), a $69 million Centra Funding 2021-1 securitization, warehouse facilities with Northeast Bank and Pacific Western Bank, and approximately $50 million of preferred equity from Tricadia Capital Management (now Corvid Peak Capital Management), which holds roughly 50% on a fully diluted basis. Legacy businesses — LongVue Mortgage Capital (residential NPL servicing, contract terminated June 2019) and VenSource Holdings (venture leasing, in wind-down) — are being de-emphasized. Tricadia/Corvid Peak holds significant governance rights including board representation and approval authority over major decisions, and the charter imposes a 4.9% beneficial ownership cap to preserve the company's NOL and tax credit carryovers. Approximately $145 million of Colborne Brighton preferred stock obligations remain unredeemed, with redemption deferred to June 2027 under forbearance terms.

The company has reported net losses every year from FY2021 through FY2025, with FY2025 net loss of $(16.2) million narrowing from $(18.2) million in FY2024; however, Centra Funding returned to profitability in FY2025 with $7.8 million of operating income (a 51.9% increase) driven by reduced credit loss expense and improved portfolio performance. The organization is small (1-10 employees) and operates as a C Corporation after ceasing REIT qualification in 2018.

Name

CV Holdings

Legal name

CV Holdings, Inc.

Website

https://cvhldgs.com

Company type

Public

Founded year

2005

Operating status

Operating

Headcount range

1–10 employees

Short description

CV Holdings is a publicly traded specialty finance company operating Centra Funding (small-ticket equipment leasing up to $250,000) and CV Capital Funding (commercial real estate bridge loans of $500K-$20M), serving small businesses and CRE borrowers nationwide.

Ownership category

akta.pro rank

Headquarters

HQ city

Newport Beach

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Operations, Personnel, Others, Marketing or Sales

Revenue model

1. Interest Income on Loans: The primary revenue stream comes from interest earned on loans, mortgages, and equipment finance contracts across Centra Funding (small-ticket equipment leases) and CV Capital Funding (commercial real estate bridge loans). The company earns interest income on its loan portfolios as the core operational revenue driver.
2. Broker and Other Income: Additional revenue generated from brokerage activities and ancillary fees associated with loan originations and servicing.
3. Management and Servicing Fees from Affiliates: Revenue from investment management and servicing activities, particularly from the company's non-performing loan (NPL) business and related joint ventures.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels2 records

Core offering

CV Holdings is a specialty finance company that originates small-ticket equipment leases (up to $250,000) through its Centra Funding subsidiary and commercial real estate bridge loans ($500,000 to $20,000,000) through its CV Capital Funding subsidiary, serving small businesses and CRE property owners nationwide. The company earns interest income on its loan and lease portfolios and supplements this with brokerage, servicing, and management fees.

Product overview

CV Holdings, Inc. is a specialty finance company operating two principal business units: Centra Funding LLC (small-ticket equipment leasing up to $250,000) and CV Capital Funding LLC (commercial real estate bridge lending from $500,000 to $20,000,000). The company previously operated non-performing loan servicing through LongVue and venture leasing through VenSource, both now in wind-down or discontinued. The portfolio spans multiple finance disciplines including equipment leases, bridge loans, and legacy NPL management.

Differentiator

Problem solved

Functional benefit

Brands

• Centra Funding: Dallas/Plano, TX based small-ticket leasing company originating equipment lease financing up to $250,000 on a nationwide basis
• 4-Hour Funding
• CV Capital Funding
• LongVue
• VenSource

Products and services

• Centra Funding Equipment Leasing Small-ticket equipment lease financing up to $250,000 originated nationwide across 16 industries (typical finance contract under $100,000; average ~$35,000) for small businesses acquiring equipment through a vendor- and broker-based origination model.
• CV Capital Funding (CVCF) Commercial Real Estate Bridge Lending Commercial real estate bridge loans, mezzanine loans, renovation finance, preferred equity / partnership interest, and debt purchases for CRE property owners and developers, with loan sizes from $500,000 to $20,000,000 secured by first mortgages on commercial real estate and other assets.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• WestVue NPL Ventures LLCstrategicStrategic or Co-development Partner · 1 November 2015Joint venture completed first securitization of residential non-performing loans on November 6, 2015 with bond structure of $61 million A-1 bond, $13 million M bond, and $55.5 million Trust Certificate.

Scale indicators8 records

Recent moves9 records

Expansion highlights4 records

Direct peers

• Trinity Capital: Public specialty finance company (TRIN) that provides equipment financing, growth capital, and asset-based lending to small and middle-market businesses. Closely comparable to Centra Funding in small-ticket equipment leasing focus.
• WhiteHorse Finance: Public business development company (WHF) that provides senior secured loans to lower middle-market companies, often through asset-based and equipment financing structures. Comparable small-ticket equipment and SMB lending focus.
• Ready Capital: Public real estate finance company (RC) that originates small-balance commercial loans, bridge financing, and CRE loans — directly comparable to CV Capital Funding's CRE bridge lending business.
• Portman Ridge Finance: Public business development company (PTMN, formerly Garrison Capital) that provides senior secured loans to lower middle-market companies, including asset-based and equipment finance. Comparable in scale and specialty finance focus.
• PEAC Solutions: Private small-ticket equipment leasing and finance company formed from Marlin Business Services and PEAC Finance. Direct small-ticket equipment leasing competitor to Centra Funding.
• Newtek Business Services: Public specialty finance company (NEWT) that originates small business loans, equipment leasing, and SBA loans. Closely mirrors Centra Funding's SMB equipment finance model and the broader CV Holdings small business focus.
• Ares Commercial Real Estate: Public specialty finance company focused on originating and investing in commercial real estate loans, including senior mortgages, bridge loans, and mezzanine debt. Direct CRE bridge lending peer, used by CV Holdings itself as a comparison benchmark in its 2025 reporting.

Broad incumbents

• Ladder Capital: Public internally-managed real estate investment trust (LADR) that originates and invests in CRE first mortgage loans, mezzanine debt, and equity. Larger, more established CRE lender with overlapping product set to CVCF.
• SLR Investment Corp: Public business development company (SLRC) that primarily invests in senior secured loans to U.S. middle-market businesses. Larger, established specialty finance peer with overlap to CV Holdings' equipment and SMB finance activities.

Emerging players

• Kennedy Funding: Private direct private lender specializing in commercial real estate bridge loans, including non-conforming and time-sensitive transactions. Direct competitor to CVCF in the CRE bridge lending niche.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/cvhldgs

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries5 records

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments2 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about CV Holdings