Vantex Capital Group

About Vantex Capital Group

Based in Carlsbad, CA, Vantex Capital Group is a private lender providing loans in California. They offer loans for many different scenarios, including commercial hard money loans, short term bridge loans, fix-and-flip hard money loans, and refinancing. Their loan parameters are versatile, including loan amounts up to $10,000,000 with a maximum LTV of 80% and terms up to 12 months. They are able to lend funds to all borrowers based on the property value and do not require a minimum credit rating. They will make loans on the following property types: single family homes, multi family residences, apartment buildings, office units, retail spaces, hotels/motels, storage buildings, senior housing communities, mixed use buildings, warehouse spaces, industrial buildings, medical facilities, raw land, and churches.

Loan Types Offered: Fix and Flip Loans, Commercial Hard Money Loans, Refinance / Cash Out Loans, Bridge Loans

Property Types Covered: Single Family, Multi Family, Apartment, Office, Retail, Hotel, Storage, Assisted Living, Mixed Use, Warehouse, Industrial, Medical, Land, Church

Areas Served: CA

Licenses: California Bureau of Real Estate License # 01375992, NMLS # 245853

Lending Guidelines for Vantex Capital Group

Below are the general loan guidelines published on the Vantex Capital Group website. Please confirm all terms and rates directly with the lender.

Loan Examples

The following loans are for education purposes only. They do not represent actual loans executed by Vantex Capital Group.

Loan Example 1

Carolina is a real estate investor in Los Angeles, CA. She finds an older property for sale and decides to renovate it and flip it for a profit. The house costs $160,000 but she does not have the full amount so she takes a fix-and-flip loan with Vantex Capital Group. As the lender sets a 55% loan-to-value, Carolina will have to put 45% down so the total amount of the note will be $88,000. The parameters of the loan dictate a 12% note for 6 months. They also require a 3 point origination fee, which will also need to be paid when the property closes.

By the terms of the deal, Carolina will need to pay a $2,640 origination fee in addition to 45% of the sales price, or $72,000, based on the 55% LTV. she will then pay $880 monthly to the lender. If Carolina accomplishes her goal of a $224,000 sales price when the loan term expires, she would pocket a total profit of $56,080 after re-paying the principle on the note and deducting the cash she brought to closing, the origination fee, and the total interest payments.

Loan Example 2

Albert is a real estate investor in Los Angeles, CA. He finds an older townhouse for a remodeling project and takes out a hard money loan from Vantex Capital Group with the following terms:

a) A $320,000 sales price, b) a 50% loan to value (LTV), c) a 18 month term, d) a 12% interest rate, and e) a 1% origination fee.

Albert intends to list the property at the end of the term for $400,000. If he accomplishes his goal, the deal numbers will be as follows:

$400,000 sales price
- $160,000 note principle (50% LTV)
- $160,000 cash paid at closing (50% on 50% LTV)
- $1,600 origination fee (1% of the $160,000 principle amount)
- $28,800 interest payments (18 months x 12% interest)
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= $49,600 total profit (doesn't include taxes or rehab costs)

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