Vantex Capital Group

Hard Money Lending

is our PRIMARY business

$500,000,000+ funded since 2003!
Most loans close in 10 days or less!

We lend from our own investment fund with cash on hand waiting to fund your loan!

Vantex Capital Group is a hard money lender with no specific credit or income requirements
Hard Money Lending is our primary business

Vantex Capital Group

Hard money lender since 2003!

At Vantex Capital Group, hard money mortgage lending is our primary business. We have been a hard money lender since 2003 and our President has been originating hard money mortgage loans for over forty years. 

Residential: We provide hard money loans for purchases, refinances and fix & flip projects. We lend on all types of residential properties

Commercial: We offer hard money loans for purchase and refinance for all types of commercial properties

We pride ourselves on being able to give you an answer on your hard money loan request the same day – typically on the initial phone call. Since we charge no fees unless we close your loan, it is in our best interest and yours for us to be able to underwrite and close your loan quickly and efficiently.  If we determine that we cannot help you, we will let you know right away so you can explore other options..


$ 0 M+
Dollars Funded
0 +
Trusted Clients
Years in Business

The Vantex EDGE

In 2014, Vantex Capital Group formed the Vantex Mortgage Fund, LLC, a well capitalized direct hard money lender.  In addition to managing our own investment fund, we have have a deep pool of private capital sources. While many “lenders” are in reality brokers that need to search for a direct lender or recruit investors to fund a loan, we have funds on hand waiting to be deployed. Our investment fund enables us to make all lending decisions, perform all underwriting, draw loan documents and fund your hard money loan in-house.

Because we lend from our own proprietary in house Fund, we can typically give you an answer on your hard money loan request the same day and close your hard money loan quickly and efficiently , typically 1-2 weeks for residential loans and  2-4 weeks for commercial loans!

We look forward to working with you on your Hard Money Loan.

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Hard Money Loan Parameters
and Lending Areas

Hard money loan terms are customized on each and every loan that we originate.  We strive to be very competitive in the markets that we serve.  Our primary consideration in determining loan terms is the amount of equity in the subject property and the borrower’s ability to service the loan.  We lend throughout the entire State of California.  In addition, at this time we are targeting  the major metropolitan areas of Colorado, Texas and Washington State.  Other states will be considered on a case by case basis. Each loan is customized based on it’s individual circumstances. For more details on our rates, LTVs and terms, please click on the link below:

Our hard money loan guidelines are flexible to meet your individual needs

Property Types

We offer hard money loans for purchase, refinance, cash out, rehab and construciton on the following types of real estate 

Single Family

All types of residential income properties including single family homes, townhouses, condos, etc

2,3,4 plexes

Duplexes, triplexes and fourplexes. The units can be attached or detached on one lot.

Mixed use

Mixed use properties consisting of a combination of commercial and residential in one building

Multi Family

Residential apartment complexes of any size including high rise and studio apartments


All commercial property types including industrial, office, retail, mixed use, etc

Special use

Special use properties such as Churches, adult care residences, hospitality and restaurants


All types of Automotive properties including gas stations, auto repair, auto dealerships and body shops

Entitled Lots

Entitled residential and commercial land and lots. We will consider construciton, and broken priority projects

5 Steps to closing your hard money loan:


Step 1: The initial consultation

On your first contact with our company, you will speak to a seasoned hard money loan professional.  We will listen to what your are trying to accomplish with your hard money loan request.  Once we have a clear understanding of your goals, we will be able to determine if we can help you. We can typically pre approve your request the same day we speak with you.  If we cannot help you, we will let you know right away.

Our agents will discuss your hard money loan request in detail


Step 2: Collateral analysis

As a collateral based lender, we are most concerned with the amount of equity you have, or will have, in the subject property.  We will conduct some preliminary research to determine if the property meets our standards and if there is enough equity to secure our loan. Our online tools can typically allow us to get a fairly good idea if the subject property will qualify for a hard money loan. This assessment can usually be completed the same day of our initial interview. 


Step 3: A solid quote

Once we have a clear picture of your hard money loan needs and an idea of the value of the subject property, we will be able to give you a solid quote on your loan request.  Since in most cases we are lending out of our own Fund,  you can feel secure that the quote we give you will be reliable.  Again,  this step is usually completed on the same day as our initial interview.  

At Vantex Capital Group, we will give you a solid quote on your hard money loan request


Step 4: Processing & underwriting

We will then begin the processing and underwriting of your hard money loan request. This includes a formal valuation of the property, opening escrow, obtaining a title report and reviewing the pertinent information that applies to the loan.  This is also where we can help to clean up an title issues that may exist and obtain payoff demands on any existing mortgages or liens on the property..

Once we have agreed upon the hard money loan terms, we will prepare your loan for closing


Step 5: Close your hard money loan!

When step 4 above is complete, we are ready for loan documents. On all residential loans and most small commercial loans, we draw our own loan documents in house.. On larger or more complicated commercial loans, we typically use an attorney that specializes in drawing commercial loan documents. We send the completed loan documents to escrow and they arrange for a signing by a mobile notary that will come directly to your home or place of business at a time that is convenient for you.  Once we receive the signed documents back, we wire the closing funds to the title company. Title records the new lien, and your loan proceeds are disbursed!

Recently Closed Loans

Below is a small sample of actual hard money loans that we have closed:

Hard Money 1st mortgage on a single family residence in Glendale, California, California
Glendale, California
  • 70% LTV
  • Purchase
  • SFR
  • Fix and Flip
  • 1st Trust Deed
Hard Money 1st mortgage on a single family residence in Sacramento County, California
Sacramento, California
  • 60% LTV
  • Cash Out Refinance
  • SFR
  • Bridge Loan
  • 1st Trust Deed
Hard Money 1st mortgage on a four plex under construction in Pasadena, Los Angeles County, California
Pasadena, CA
  • 50% LTV
  • Refinance
  • 4 plex
  • Bridge Loan
  • 1st Trust Deed
Hard Money 1st mortgage on an industrial building in Palm Springs, Riverside County, California
Palm Springs, California
  • 40% LTV
  • Cash Out Refinance
  • Industrial
  • Building makeover
  • 1st Trust Deed
Hard Money 2nd mortgage on a single family residence in Burien, King County, Washington
Burien, Washington
  • 50% LTV
  • Cash Out Refinance
  • SFR
  • Working Capital
  • 2nd Trust Deed
Hard Money 1st mortgage on 38 unit apartment complex in Salt Lake City, Utah
Salt Lake City, UT
  • 35% LTV
  • Cash Out Refinance
  • 38 unit apartment complex
  • Building Improvements
  • 1st Trust Deed
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