Vantex Capital Group
Hard Money Lending

We're a Direct Portfolio Lender - $650,000,000+ funded since 2003
  • California hard money real estate lender
  • Close in as little as 7 days
  • No minimum credit score required
  • Faster approvals, fewer surprises
  • Fix & flip, bridge, cash-out, & more
  • Residential & commercial loans
  • Talk to a real agent today
  • We do not offer personal loans
Hard Money Lending is our Primary Business!
Kit V.
10 out of 10 ! As a SoCal real estate pro, was incredibly impressed by the quick loan decision making, speed of execution, and simple transparent communications. Thank you Mike Z. and the Vantex team for making the funding so easy.
Narbik B.
I've known Vantex Capital Group for over 10 years, and I’ve had the pleasure of working with Walter Payne during that time. Walter is an absolute powerhouse—fast, reliable, and always delivers on his promises. When he says he’ll get something done, you can count on it. He and his team stand out from the rest of the mortgage brokers in the industry. I highly recommend Walter and his team at Vantex Capital Group!
Anthony G.
Mike Zweig was very easy to engage. Walked me through every step of the process. Kept me informed and made the experience completely painless while enabling a great sense of ease throughout the process. I would highly recommend working with Mike and his team at Vantex to assist with your financial needs.
L Kao
Easy to work with. No problems with contacting Vantex for questions, refinancing and loan extensions. However, the loan servicer FCI was very problematic and picky, so I had to document check payments via US post office postmark so they would credit properly. This loan was in probate. So the process could have been different than what other experienced.
Bonnie D.
Mike was so patient and calm to talk to. He explained everything so I could understand. I highly recommend him and his company!

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

Get your Consultation
Vantex Capital is a hard money lender offering loans on all types of residential properties in San Diego California

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 week +/- for residential loans and  2 weeks +/- for commercial loans!

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

Get your Consultation

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:

View our Lending Areas

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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

Comm

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

Auto

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

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5 Steps to closing your hard money loan:

Discuss

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

Research

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. 

steps to close hard money loan image

Quote

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

Confirm

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

Close

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!

steps to close hard money loan end
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Recently Closed Loans

  • 70% LTV
  • Purchase
  • SFR
  • Long term rental
  • 1st Trust Deed
San JoseCalifornia
Fresno Hard Money Loans - Transaction 1
  • 50% LTV
  • Purchase
  • Triplex
  • Remodel & Hold
  • 1st Trust Deed
San JoseCalifornia
Fresno Hard Money Lenders - Transaction 2
  • 60% LTV
  • Purchase
  • SFR
  • Long term rental
  • 1st Trust Deed
Valley CenterCalifornia
Hard Money Loans in Fresno - Transaction 3
  • 42% LTV
  • Cash Out Refinance
  • SFR
  • Remodel to sell
  • 1st Trust Deed
VistaCalifornia
Fresno Hard Money Lenders - Transaction 4
  • 58% CLTV
  • Cash Out Refinance
  • Apartment Complex
  • Refi ballooning loan
  • 1st Trust Deed
San DiegoCalifornia
Fresno Hard Money Loans - Transaction 5
  • 60% LTV
  • Purchase
  • Commercial Office
  • Bridge Loan
  • 1st Trust Deed
San DiegoCalifornia
Fresno Hard Money Lenders - Transaction 6
Kit V.
10 out of 10 ! As a SoCal real estate pro, was incredibly impressed by the quick loan decision making, speed of execution, and simple transparent communications. Thank you Mike Z. and the Vantex team for making the funding so easy.
Narbik B.
I've known Vantex Capital Group for over 10 years, and I’ve had the pleasure of working with Walter Payne during that time. Walter is an absolute powerhouse—fast, reliable, and always delivers on his promises. When he says he’ll get something done, you can count on it. He and his team stand out from the rest of the mortgage brokers in the industry. I highly recommend Walter and his team at Vantex Capital Group!
Anthony G.
Mike Zweig was very easy to engage. Walked me through every step of the process. Kept me informed and made the experience completely painless while enabling a great sense of ease throughout the process. I would highly recommend working with Mike and his team at Vantex to assist with your financial needs.
L Kao
Easy to work with. No problems with contacting Vantex for questions, refinancing and loan extensions. However, the loan servicer FCI was very problematic and picky, so I had to document check payments via US post office postmark so they would credit properly. This loan was in probate. So the process could have been different than what other experienced.
Bonnie D.
Mike was so patient and calm to talk to. He explained everything so I could understand. I highly recommend him and his company!
Contact Vantex Capital Group Today
Trusted Hard Money Lenders in California

In California’s fast-paced real estate market, speed is the difference between closing a lucrative deal and missing out entirely. Whether you are flipping a residential property or breaking ground on a large-scale commercial development, you require a financing partner who can execute rapidly. As a direct private lender utilizing proprietary in-house funds, Vantex Capital Group eliminates traditional bureaucratic bottlenecks. We empower investors throughout the Golden State with the swift, reliable capital necessary to outpace the competition and optimize your returns.

Stop letting prime opportunities slip away to faster buyers while waiting on slow, third-party approvals. Sidestep institutional delays by aligning with a highly liquid, dedicated team ready to fund your next project without hesitation.

Ready to capitalize on your next property? Contact our team today or complete our quick online application to secure a same-day decision for your California hard money loan!

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