Creative Lending for Smart People
We provide a wide range of financial services to meet your needs.
Save Time
Personalized Service
Fast Results
Fair Terms
How do we work
At Vault Financial Services LLC, we pride ourselves on delivering tailored financial solutions with a focus on speed, flexibility, and personalized service. Specializing in private money loans, bridge loans, fix-and-flip loans, and ground-up construction loans, we cater to the unique needs of our clients by offering competitive rates and terms. Our streamlined processes ensure quick approvals and funding, enabling our clients to seize opportunities swiftly. With a team of experienced professionals, we provide comprehensive support throughout each project's lifecycle, ensuring a seamless and efficient lending experience.
Private Money Loans
Vault Financial Services LLC offers private money loans for second trust deeds, providing a flexible financing option tailored to meet the unique needs of each client. With a maximum LTV of 65%, our private money loans are evaluated on a case-by-case basis, allowing us to consider the specific details and structure of each deal. This personalized approach ensures that we can offer competitive terms and customized solutions that align with our clients' financial goals and project requirements.
Fix-and-Flip Investment Property Loans
1-YEAR TERM
Perfect for properties earmarked for fix-and-flip ventures or those intended for rental purposes with potential refinancing down the line. Throughout the process, our construction management specialists provide unwavering support.
2-YEAR TERM
When undertaking extensive renovations and needing ample time to complete them stress-free, our two-year term, inclusive of financed rehab, offers an ideal solution.
- $100k to $10M
- 1-4 Unit residential properties
- Finance up to 100% of your rehab budget
- Interest paid only on drawn funds
- No DTI, W-2s or paystubs required
- Up to 85% of purchase price or LTV
- Funds disbursed as draws based upon verification of completed work
- 600 minimum FICO
- Pricing discounts for experienced Investors
Bridge Loans
1-YEAR TERM
No prepayment premium. When speed is essential to compete with cash buyers, we offer competitive rates and terms for bridge loans.
2-YEAR TERM
Prepayment premium: 6 months. Whether you're seeking financing for a major renovation or bridge loans to season a rental property for later refinancing, our streamlined process ensures speed and flexibility.
- $100K - $10M
- 1-4 Unit residential properties
- Up to 80% LTV on Bridge loans
- Pricing discounts for experienced borrowers
- Up to 100% Rehab Financing
- No prepayment premium on 1-year term
- 600 minimum FICO
- No DTI, W-2s, or paystubs required
Ground-Up Construction Funding
Ground-up construction loans offer short-term financing designed specifically to support building projects from inception to completion.
1-YEAR TERM
No prepayment premium. When speed is essential to compete with cash buyers, we offer competitive rates and terms for ground-up construction funding.
18-MONTH YEAR TERM
Prepayment premium: 8 months. When more time is needed to complete a ground-up construction project, our 18-month term offers an ideal solution
- $100K - $10M
- 1-4 Unit residential properties
- Multi Family 5 tp 100+ doors
- Up to 80% LTV
- Pricing discounts for experienced borrowers
- No prepayment premium on 1-year term
- 600 minimum FICO
- No DTI, W-2s, or paystubs required
