Proposed This is a concept page for a proposed product. LivAround Finance is not yet available. We are in conversations with regulated lending partners to structure this offering.
Asset liquidity · Concept page

Borrow against
the yield.
Not the bricks.

We're designing a financing product that lends against the verified income a short-term rental produces — not just its bricks-and-mortar value. This page describes a planned offering. The product is not live, and any final terms will be set by our regulated lending partners.

Join the waitlist How we're thinking about it Concept · Subject to regulatory structure
3
Markets we're scoping
∞
Channels supported
1
Loop · the second one
·
In partner conversations
Your Property
Yield
Verified STR revenue
Multi-channel · the operating data
Liquidity
Concept structure
Yield-backed · regulated partner
Upside
Owner retains
Most of appreciation · structure TBD
▸ Markets · Where we're scoping

Three cities. The rhythms we're designing around.

The proposed product is being designed around the rhythms of short-term rental income — high-season Goa, year-round Dubai, peak-summer London. Below: archetypal property profiles in each market we're scoping. Not properties we currently lend against.

🇦🇪 Dubai High yield
Branded residence · Marina / Downtown
2-bed waterfront apartment
Typical archetype
Branded · STR-friendly
Yield characteristic
Higher gross · seasonal
Status In partner conversations
🇹🇭 Phuket Tropical
Pool villa · Surin / Bang Tao / Layan
3-bed pool villa
Typical archetype
Pool villa · resort-area
Yield characteristic
High season · long peak
Status In partner conversations
🇬🇧 London Stable
Period conversion · Zone 1–2
Studio / 1-bed apartment
Typical archetype
Period · central
Yield characteristic
Steady · low seasonality
Status In partner conversations

⚠ Concept-stage scoping only. The markets above are where we're focusing initial conversations with regulated lending partners. Specific eligibility, terms, and product availability will be set by the lender of record in each market when the product launches.

▸ The process · As envisioned

Three steps. If and when this becomes a live product.

Designed for operators, not enterprises. The intent is to pull STR revenue data directly from connected channels — no spreadsheets, no income proof letters. Final flow will be set with the regulated lending partner.

01 · Tell us

A few questions about your property

Location, current value, STR revenue, existing mortgage, loan term. The kind of intake we'd want to power a yield-based product. Today, this becomes a waitlist signup.

Quick form
02 · We model

Yield-aware underwriting

The intent is to pull occupancy, ADR, and seasonality directly from your channel manager (Airbnb, Booking.com, Vrbo) and run a yield-aware model. The actual underwriting would be performed by the regulated lending partner.

Concept
03 · You decide

Offer from the lender of record

If a product launches, the regulated lending partner makes you a formal offer — not LivAround. Final valuation, legals, and disbursement happen on their timelines and to their standards.

Lender-led
▸ Waitlist · Concept stage

Tell us about your portfolio. We'll be in touch when there's something to share.

The product is being designed. Final structure, terms, and eligibility will be set in partnership with regulated lenders in each market we operate in. Join the waitlist and we'll reach out as conversations progress.

By joining the waitlist you consent to LivAround contacting you about this proposed product. This is not an offer or invitation to enter into any financial transaction. No financial promotion is being made.

▸ Schemes · How we're structuring the thinking

Four ways to structure it. All built around your yield.

Conceptual product structures we're exploring with regulated lending partners. Specific rates, LTVs, and eligibility will be set by the lender of record in each market when the product launches. Nothing on this page is an offer.

Standard LAP
Predictable · Most common
Concept
Rate & term to be set by lender
  • Conventional loan-against-property structure
  • Monthly EMI · principal + interest
  • No appreciation share
  • Fixed or variable rate options
Join waitlist
Yield-Linked
Smooths seasonal income
Concept
Repayment scaled to property revenue
  • Repayment scales with monthly STR revenue
  • Pay less in low season
  • Designed for seasonal markets (Phuket, Goa)
  • Servicing structure to be set with lending partner
Join waitlist
Shared Appreciation Kicker
Lower rate · Share the upside
Concept
Trade rate for appreciation share
  • Designed for the lowest running rate of the four
  • Lender takes a share of property appreciation on exit
  • Owner retains majority of upside
  • Best for long-term holders confident in capital growth
Join waitlist
Bridge / Interest-Only
Short-term flexibility
Concept
Short-duration interest-only structure
  • Interest-only with balloon repayment
  • Designed for owners between refinance or sale
  • Short term · early repayment terms TBD with lender
  • Best for refinance or sale pending
Join waitlist
★
What's a Shared Appreciation Kicker? A structure where, in exchange for a lower running rate, the lender takes a share of any appreciation in the property when you sell or refinance. Specific split, eligibility, and rate trade-offs would be set by the regulated lending partner. Listed here as a product concept, not a current offer.
▸ How we'd underwrite

Built for STR operators. Not legacy bank checklists.

Traditional lenders treat short-term rental income as "non-standard" and discount it. Our intended approach treats it as the primary asset — because for many operators, it is. The actual underwriting would be performed by the regulated lending partner.

  • 📊Yield-aware underwriting. The intent is to pull occupancy, ADR, and seasonality directly from your channel manager — replacing income proof letters with verified operating data.
  • 🌍Multi-jurisdiction by design. The product is being scoped for currency-matched origination in GBP, USD, and AED — through local regulated partners and legal counsel in each market.
  • 📜Regulatory standing. LivAround is not itself an authorised lender. We are in conversations with regulated lending partners in each market to structure and originate this offering. Lender of record, terms, and authorisation status will be disclosed before any offer is made.
  • 🔒Privacy-first data sharing. Channel manager OAuth — read-only, revocable any time, never sold.
What if my property is currently owner-occupied?
For a yield-backed product, we'd want to see operating history — ideally 6+ months of STR letting. Owner-occupied properties wouldn't fit the proposed model on day one. Specifics around eligibility for owner-occupied or recently-let properties would be set with the regulated lending partner.
How would the appreciation-share scheme actually work?
In concept: in exchange for a lower running rate, the lender takes a share of appreciation when you exit or refinance. The exact split, lender share, and any caps would be set by the regulated lending partner. We're describing a product family, not a current contract.
Could I exit a loan early?
Standard repayment terms — including early-repayment treatment — would be set by the regulated lending partner. We expect any final product to allow early repayment after a reasonable lock period, but final terms come from the lender of record, not LivAround.
Why won't traditional banks do this?
Most banks model STR income as "self-employed rental" and discount it heavily — or refuse to count it at all. The premise of the proposed product is that verifiable channel data (Airbnb, Booking, Vrbo) lets a regulated lender underwrite STR income at face value, with the right structural protections. That's the gap we're trying to bridge with partners.
Could I borrow to buy a new property?
The proposed product is being scoped as a refinance / equity-release product on properties already owned and operating, not as an origination mortgage. New-purchase finance would require a different product structure with different regulatory treatment.

Interested in this concept? Tell us.

Join the waitlist and we'll reach out as conversations with lending partners progress. No commitment, no offer being made — just so we can shape the product around the operators it's meant for.

Join the waitlist See conceptual structures