A private money loan is short-term financing provided by a non-bank lender, secured by real estate, and typically used for investment purposes. These loans are popular with real estate investors because they offer faster closings and more flexible underwriting than traditional bank loans.

Yes. Our primary focus is on the property’s value and potential, not just your c

Absolutely. Many of our loans include funds for renovations or rehab work. In most cases, we can finance 100% of approved renovation costs as part of your overall loan.

Yes. We work with investors who purchase at foreclosure and trustee sales. Our team can move quickly to ensure you have the funds when you need them.

Every deal is unique, but we often close within 5–10 business days once we have a complete file and property valuation. In time-sensitive situations, we can work even faster.

We specialize in non-owner-occupied residential and multi-family properties, as well as select commercial assets. Common scenarios include fix-and-flip projects, bridge loans, and ground-up construction.

A bridge loan is a type of private money loan designed to “bridge the gap” between a purchase and a longer-term financing solution, or to cover a short-term need until another transaction is complete. In our space, both terms are often used interchangeably.

Loan amounts typically range from $100,000 to $20 million for single properties, with larger amounts available for portfolios or cross-collateralized loans.

We generally lend up to 70–80% of a property’s value, depending on the asset, location, and borrower’s experience.

Rates vary based on market conditions, deal complexity, and borrower profile. Our loans typically range between 9%–12% interest, with origination points starting around 1.5%–3%. Additional closing costs apply.

If a borrower defaults, we have the right to foreclose on the collateral property. Our goal is to avoid that scenario by working closely with clients to explore extension or exit options before maturity.

Yes. Extensions are typically available in 3–6 month increments and are subject to lender approval. Fees apply, and terms vary depending on the loan.

Look beyond just the advertised rate. Consider the lender’s track record, transparency, speed, and ability to perform. At Vault, we value long-term relationships with our borrowers so you can fund deals consistently and with confidence.

Our capital is sourced from a combination of private investors, institutional partners, and in-house funds. This mix allows us to be flexible and close quickly.

Our leadership team brings decades of experience in private lending, real estate investment, and capital markets. We’ve funded hundreds of transactions totaling hundreds of millions of dollars.

1. Initial Consultation – We review your goals, property details, and exit strategy.
2. Term Sheet Issued – We outline the loan structure, rate, and terms.
3. Due Diligence – Property valuation, title review, and required documentation.
4. Underwriting & Approval – Quick turnaround with direct decision-making.
5. Closing – Loan docs are signed, and funds are disbursed—often within days.

Yes. We stay in touch throughout the life of your loan to answer questions, process draws for construction projects, and help you prepare for your exit strategy.

We believe in clear, consistent communication. No surprises at closing, no hidden fees. You’ll know exactly where your loan stands at every stage.