How fast can you guys process and fund my investment in Los Angeles?

Our team prioritizes speed by focusing our underwriting on the physical real estate. For standard residential properties, we typically complete the funding process in roughly one week. Commercial acquisitions usually require about two weeks.

What kind of loan sizes do you handle, and what do your repayment terms look like?

Our capital resources allow us to fund requests ranging from $50,000 up to $25 million. We offer interest-only structures for up to two years, or partially/fully amortized terms up to ten years.

How heavily do you weigh credit scores and W-2 income?

Private financing flips the traditional bank model by placing the primary focus on the asset itself. We do not enforce a minimum FICO score requirement for our approvals. Our underwriting team relies primarily on the property value and the deal's potential.

Trusted Hard Money Lenders in Los Angeles

Over $650,000,000+ Funded since 2003

Kit V.

★★★★★

G+

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.

★★★★★

G+

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.

★★★★★

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

★★★★★

G+

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.

★★★★★

G+

Mike was so patient and calm to talk to. He explained everything so I could understand. I highly recommend him and his company!

Dollars Funded

$ 0 M+

Trusted Clients

0 +

Years in Business

Los Angeles Hard Money Lenders Since 2003

Vantex Capital Group is a Los Angeles hard money lender offering custom-designed private lending programs to borrowers seeking fast and reliable real estate financing. We provide private money loans throughout Los Angeles County on qualifying residential investment and commercial properties.

We are based in Southern California and have extensive experience lending throughout the Los Angeles market. Our hard money loans in Los Angeles have helped property owners and real estate investors finance acquisitions, refinances, cash-out transactions, renovations and other time-sensitive real estate needs.

As a direct portfolio lender, Vantex evaluates each transaction individually. Rather than relying on a rigid conventional mortgage formula, our underwriting considers the real estate, available equity, borrower capacity, loan purpose and a realistic exit strategy.

Written by Chris Payne | Edited by Walter Payne | Reviewed by Walter Payne

Why We Love Being Hard Money Lenders in Los Angeles

The Los Angeles County real estate market moves quickly and includes a wide range of investment opportunities. From high-value residential properties in the Hollywood Hills to multifamily projects in the San Fernando Valley and commercial properties throughout the county, many transactions require financing that can respond to a short closing schedule.

Traditional financing does not always fit these situations. Lengthy underwriting, income-documentation requirements, property-condition issues or an unusual borrower profile can delay a transaction even when the underlying real estate has substantial equity.

Vantex Capital helps bridge that gap with asset-based Los Angeles hard money loans for qualifying real estate transactions. Depending on the deal, financing may be used for acquisitions, investment-property refinances, cash-out transactions, rehabilitation, bridge financing and other approved business-purpose uses.

Get Your Consultation

Los Angeles Hard Money Loan Programs

Different Los Angeles real estate transactions require different loan structures. Vantex evaluates the property, leverage, loan purpose and exit strategy to determine which program may fit.

Residential Investment Property Loans

Asset-based financing for qualifying non-owner-occupied single-family homes, condos, townhomes and 2-4 unit residential investment properties throughout Los Angeles County.

Explore Residential Hard Money Loans

Commercial Hard Money Loans

Private financing for qualifying apartments, retail, industrial, office, mixed-use, automotive and special-use commercial real estate in the Los Angeles market.

Explore Commercial Hard Money Financing

Fix-and-Flip & Rehabilitation Financing

Financing for qualifying investment-property acquisitions and renovation projects where the borrower needs a short-term lending structure that can accommodate the property's current condition and project plan.

Explore Fix-and-Flip Loans

Cash-Out Refinance Loans

Investors with substantial equity may be able to refinance existing debt and access additional proceeds for qualifying business-purpose uses, improvements or additional real estate investments.

Learn About Cash-Out Financing

Second Trust Deed Loans

A qualifying second trust deed can allow a borrower to access additional property equity without replacing an existing first mortgage. Combined leverage and the existing first lien are considered during underwriting.

Explore Second Trust Deed Loans

Bridge & Construction Completion Loans

Short-term financing may be considered for qualifying time-sensitive acquisitions, maturing loans, transitional properties and certain unfinished or stalled real estate projects.

View Vantex Lending Programs

The Vantex Edge

In 2014, Vantex Capital Group formed the Vantex Mortgage Fund, LLC. In addition to managing our own investment fund, Vantex maintains access to established private capital resources for qualifying real estate transactions.

Many companies advertising private real estate financing operate primarily as brokers and must locate another lender or recruit investors after receiving a loan request. Vantex operates as a direct portfolio lender, giving our team greater control over the lending process.

Our structure enables us to make lending decisions, perform underwriting, prepare many loan documents and fund qualifying Los Angeles hard money loans directly.

For a borrower working against a purchase deadline or maturing loan, direct communication with the lending team can provide a clearer understanding of whether the transaction fits before valuable time is lost.

Get Your Consultation

Los Angeles Hard Money Loan Guidelines

Vantex designs each loan around the individual transaction. The following figures represent general guidelines for qualifying business-purpose hard money loans and may vary based on property type, lien position, leverage, borrower circumstances and exit strategy.

First-Lien Rates	Starting at approximately 9%+
Second-Lien Rates	Starting at approximately 10%+
Residential LTV	Up to approximately 65%
Commercial LTV	Up to approximately 60%
Expanded LTV	Up to approximately 75% may be considered case-by-case on qualifying transactions
Interest-Only Term	Up to approximately 2 years
Amortized Structures	Partially or fully amortized structures up to approximately 10 years may be available
Loan Size	Approximately $50,000 to $25 million
Typical Residential Closing	Approximately 1-2 weeks for qualifying, well-prepared transactions
Typical Commercial Closing	Approximately 2-4 weeks depending on property and transaction complexity

*These figures are general lending guidelines and are not a commitment to lend. Borrowers and properties must qualify. Conditions and restrictions may apply. This information is intended for business-purpose real estate loans. Rates, leverage, fees, terms and closing times vary by transaction.

How Our Los Angeles Hard Money Lending Process Works

Private lending is most useful when the borrower can get a clear answer quickly. Providing complete property and transaction information early helps Vantex evaluate the request efficiently.

Tell Us About the Deal

Provide the property address, estimated value, requested loan amount, loan purpose and desired closing date.

Initial Loan Review

Our team reviews the collateral, equity position, existing debt, borrower capacity and proposed exit strategy.

Underwriting & Due Diligence

Title, valuation, entity documents and other relevant transaction information are reviewed before closing.

Document & Fund

Once underwriting conditions are satisfied, final loan documents can be prepared and the qualifying transaction can proceed toward funding.

Hard Money Lending Throughout Los Angeles County

Los Angeles County contains many different real estate markets. Loan structure depends on the property and transaction rather than the neighborhood name alone, but local property types and financing needs can vary substantially across the county.

San Fernando Valley

Residential investment properties, rental housing, smaller multifamily buildings, care facilities and renovation projects are common private-lending scenarios throughout Valley communities.

West Hollywood & Central Los Angeles

Apartment properties, investment rentals, transitional real estate and cash-out refinancing can create situations where asset-based financing is useful.

Westside & Coastal Markets

Higher-value collateral can support larger private loan requests, bridge financing and investment-property refinances when conventional timelines do not fit.

Hollywood Hills & Beverly Hills Area

High-value investment properties and unusual borrower profiles may require a lender capable of evaluating the real estate and equity position rather than relying solely on conventional mortgage criteria.

Pasadena & Glendale

Established residential and commercial properties can create opportunities for acquisition financing, refinancing, rehabilitation and equity-based lending.

South Bay & Torrance

Duplexes, small multifamily properties, rental housing and business-purpose investment acquisitions are among the types of transactions Vantex can evaluate.

Los Angeles Property Types We Finance

Vantex provides qualifying purchase, refinance, cash-out, rehabilitation and construction-related financing secured by residential investment and commercial real estate throughout Los Angeles County.

✓

Single Family & 2-4 Units

Non-owner-occupied SFRs, townhomes, condos, duplexes, triplexes and fourplexes.

✓

Apartments

Multifamily apartment properties ranging from smaller buildings to larger complexes.

✓

Commercial Property

Industrial, office, retail, mixed-use and other qualifying commercial real estate.

✓

Special-Use Property

Churches, residential care facilities, hospitality properties and other qualifying special-use assets.

✓

Automotive Property

Qualifying gas stations, automotive repair facilities, dealerships and related commercial real estate.

✓

Entitled Land & Projects

Entitled lots and qualifying construction or construction-completion scenarios may be considered.

Funded Hard Money Loans in Los Angeles County

Real funded transactions provide useful examples of the property types, leverage and loan purposes Vantex has previously financed in the Los Angeles market.

Torrance, California

Duplex Purchase

50% LTV
1st Trust Deed
Purchase
Duplex
Residential Investment Property

Van Nuys, California

Residential Care Home Refinance

50% LTV
1st Trust Deed
Refinance
Single-Family Property
Residential Care Home

Funded Los Angeles Residential Investment Refinance

Los Angeles, California

Residential Rate-and-Term Refinance

30% LTV
1st Trust Deed
Rate-and-Term Refinance
Single-Family Property
Residential Investment Property

West Hollywood, California

Apartment Cash-Out Refinance

30% LTV
1st Trust Deed
Cash-Out Refinance
Apartment Complex
Property Improvements

View More Funded Loans

Hard Money vs. Conventional Real Estate Financing

Hard money and conventional financing serve different purposes. Investors should consider the cost of the loan together with the value of speed, flexibility and the ability to finance a transaction that may not currently fit bank guidelines.

Financing Factor	Vantex Hard Money Financing	Conventional Financing
Primary Underwriting	Property value, equity, borrower capacity, loan purpose and exit strategy	Credit, documented income, debt ratios, property performance and institutional guidelines
Closing Timeline	Often approximately 1-2 weeks for residential and 2-4 weeks for commercial transactions	Commonly requires a longer underwriting and documentation process
Property Condition	Can consider qualifying transitional, rehabilitation and construction-completion scenarios	Often favors completed or stabilized properties meeting conventional standards
Credit	No fixed minimum FICO is stated for qualifying Vantex business-purpose hard money loans; the complete transaction is evaluated	Credit score and credit history often have a significant role in qualification
Loan Cost	Generally higher because the financing is short-term and provides greater underwriting flexibility	Generally lower when the borrower and property meet conventional lending requirements
Best Fit	Short escrows, unusual properties, transitional assets, rehabilitation, cash-out and bridge financing	Stabilized properties and borrowers who can meet traditional underwriting requirements

Los Angeles Hard Money Loan Rates & Costs

Vantex's current general guidelines show first-lien rates starting at approximately 9%+ and second-lien rates starting at approximately 10%+. Actual pricing depends on the property, leverage, lien position, loan amount, borrower circumstances and overall risk of the transaction.

Borrowers should evaluate more than the interest rate alone. Depending on the transaction, the total cost may also include lender fees and third-party closing expenses. Current fees and any applicable minimum-interest, extension or prepayment provisions should be reviewed in the proposed loan terms before closing.

Private financing generally costs more than conventional financing. It is most useful when the flexibility or timing provided by the loan solves a specific real estate problem.

What Vantex Reviews

For qualifying business-purpose Los Angeles loans, underwriting focuses on the strength of the complete transaction rather than a single conventional mortgage metric.

Relevant factors may include:

Property address and asset type
Current value and available equity
Existing liens and payoff amounts
Requested loan amount
Loan purpose
Borrower payment capacity
Property condition
Renovation or construction scope where applicable
Entity documentation where applicable
A realistic repayment or refinance strategy

FAQ for Hard Money Loans in Los Angeles

How fast can a Los Angeles hard money loan close?

Closing time depends on the property and complexity of the transaction. Qualifying residential hard money loans commonly close in approximately one to two weeks, while commercial transactions commonly require approximately two to four weeks. Complete borrower information, title, valuation and other due-diligence items can affect the final schedule.

What are Vantex's current Los Angeles hard money loan rates?

Vantex's current general guidelines show first-lien rates starting at approximately 9%+ and second-lien rates starting at approximately 10%+. Actual rates and fees depend on lien position, property type, leverage, loan amount and the overall transaction. Borrowers should request current pricing for their specific scenario.

How much can I borrow against a Los Angeles investment property?

Vantex's general lending guidelines cover loan amounts from approximately $50,000 to $25 million. Residential investment loans are generally considered up to about 65% LTV and commercial loans up to about 60% LTV. Expanded leverage up to approximately 75% may be considered on qualifying transactions with strong compensating factors.

Does Vantex make both residential and commercial hard money loans in Los Angeles?

Yes. Vantex can consider qualifying business-purpose loans secured by non-owner-occupied residential investment properties and a range of commercial real estate, including apartments, industrial, office, retail, mixed-use, automotive and special-use properties.

How does Vantex evaluate credit, equity and repayment capacity?

Vantex does not state a fixed minimum FICO requirement for its qualifying business-purpose hard money program. Credit is considered within the complete transaction, together with the property's value, available equity, existing liens, borrower capacity, loan purpose and proposed exit strategy.

Can Vantex finance an ADU or rehabilitation project?

Vantex can consider qualifying rehabilitation and improvement projects, including certain ADU-related investment-property scenarios. Eligibility, available proceeds, draw structure and required documentation depend on the property, project scope and overall underwriting.

Can Vantex refinance a property with vacancy or tenant problems?

A property does not necessarily need to meet conventional stabilized-income requirements for Vantex to consider it. Vacancy, tenant issues and current property income are evaluated together with collateral value, leverage, borrower capacity and the plan for stabilizing or refinancing the property.

Can Vantex fund a project if another lender stops funding construction?

Vantex can consider qualifying construction-completion or stalled-project transactions. The lending team will need to review the current property value, existing debt, remaining scope of work, project budget, available equity and exit strategy before determining whether additional financing is feasible.

Do I need to have my LLC formed before applying?

Borrowers can discuss a proposed transaction with Vantex before every entity document is finalized. The borrowing entity and required documentation must satisfy Vantex's underwriting and closing requirements before the loan is funded.

What is the difference between a Los Angeles hard money lender and a private money lender?

The terms are often used interchangeably. The more useful distinction is how the lender sources capital and manages the loan process. Vantex operates as a direct portfolio lender and manages proprietary lending capital, which allows its team to evaluate, structure and fund qualifying transactions directly rather than relying solely on finding an outside lender after a loan request is submitted.

Contact Vantex Capital Group Today

Los Angeles real estate transactions often move quickly. If you need financing for an investment-property purchase, refinance, commercial transaction, rehabilitation project or other qualifying business-purpose real estate need, our team can review the property and proposed transaction directly.

Submit your scenario or speak with Vantex about the property, requested loan amount, available equity and closing timeline.

Get Your Consultation

Industry Professionals
join our mailing list here

Contact Vantex Capital Group Today

Trusted Hard Money Lender in Los Angeles

In Los Angeles’s cutthroat real estate scene, hesitation costs you deals. Whether you are rehabbing a classic property or funding a new commercial build, you need a lending partner who acts decisively. As a direct lender with proprietary in-house capital, Vantex Capital Group cuts through the typical bureaucratic red tape. We give LA investors the immediate liquidity required to win bidding wars and maximize returns.

Don’t lose your next prime investment to a faster buyer. Bypass the endless delays of third-party approvals by partnering with a well-capitalized team ready to deploy funds immediately. Contact us today or submit an online application to receive a same-day decision on your Los Angeles hard money loan!