In a perfect world, real estate transactions would close smoothly and on time. But seasoned buyers, agents, and brokers know the unfortunate truth: deals fall apart at the last minute more often than anyone likes to admit.
Maybe the buyer’s lender suddenly needs more documentation.
Maybe the underwriter goes dark.
Maybe the buyer’s credit score dips just before closing.
Whatever the reason, a deal collapsing days, or even hours, before closing can be devastating, especially in a competitive market. Sellers may have backup offers. Earnest money may be lost, timelines for 1031 exchanges, relocations, or simultaneous closings can fall apart.
That’s Where Hard Money Comes In
At Vantex, we specialize in fast, flexible funding when traditional financing falls short. We’ve seen it all, and we’ve stepped in more times than we can count to close transactions that would have otherwise died in escrow.
Here’s what sets us apart:
We can review, underwrite, and issue loan docs in under 24 hours (when a complete package is provided). In fact, we recently did just that with a San Francisco hard money loan. A broker brought us the loan request at 8pm on Sunday night and we had loan documents at escrow by the end of the day Monday, allowing the borrower to make his Wednesday closing deadline.
Our typical deals close in 10 days or less.
We don’t drag our feet or overcomplicate things. If the deal makes sense, we make it happen, quickly. What does this look like in practice?
In Los Angeles, we quoted a hard money purchase money loan to an investor purchasing an investment property. The borrower went with a DSCR lender because the rate was 1% less than our loan. A month later we received a call from the same borrower who was already past his closing date and was about to lose his earnest money because the DSCR lender, at the last moment, turned the loan down. The borrower was able to obtain a 2 day extension and 2 days later our hard money loan helped our borrower become the proud owner of a 5 unit Los Angeles Apartment complex.
We work with brokers, borrowers, and agents to find terms that work, even on short notice.
Who This Helps:
Borrowers whose lender can’t perform
Sellers trying to salvage a transaction
Agents working to protect their clients and commissions
Brokers looking for a reliable fallback option
- Anyone in competitive markets. If you are making an offer in an ultra competitive California market like San Diego or Los Angeles, a hard money loan can be the difference between success and failure.
Hard Money Isn’t Just a Last Resort, It’s a Strategic Tool
Vantex Capital is no stranger to coming in at the 11th hour, and while hard money can often be associated with saving deals at the last minute, smart investors and real estate professionals know that it can be used strategically from the outset.
Why?
Because certainty and speed can be more valuable than chasing slightly better rates. In a competitive California markets like San Jose for example, making a strong offer with the confidence of fast, private capital behind you can set your bid apart, especially when sellers are weighing multiple offers.
We’ve worked with buyers, brokers, and agents who choose to use hard money from day one to:
Win bidding wars with quick-close offers
Keep transactions moving while waiting on delayed 1031 funds or bank approvals
Make non-contingent offers with confidence
Bridge the gap between selling one property and buying another
In these cases, hard money isn’t a fallback, it’s the reason the deal gets done.
The Bottom Line
If you’re in escrow and things are falling apart, you don’t have to lose the deal. Hard money lending is more than a last resort, it’s a tool that can keep the transaction alive when time and flexibility are in short supply.
Need a quote or second opinion? We offer free consultations for brokers and borrowers. Contact us here.
Curious about how we work? Check out our FAQ page for answers to common questions.
Where can you find us? Remember you can also find Vantex on Linkedin, and X.
