Private Money Loans
Asset-based financing secured by the property itself, built for investors who need to move faster than conventional underwriting allows.
Learn more about Private Money LoansVector Capital Services
Real estate financing built around your deal
We arrange private money, bridge, fix-and-flip, rental, commercial and construction financing for investors, builders and business owners. Tell us the property, the plan and the timeline, and we will tell you honestly whether we can help.
- Asset-based lending — we start with the property and the plan, not a credit score alone.
- Straight answers early, so you are not chasing a file that was never going to work.
- Commercial development services available alongside the capital.
What we finance
Six financing categories
Each one is built for a different kind of deal. If you are not sure which fits, describe the project and we will point you to the right structure.
Bridge Loans
Short-term financing that covers the gap between where a property is today and the permanent financing or sale that pays the loan off.
Learn more about Bridge LoansFix-and-Flip Financing
Purchase and renovation capital in a single facility, with construction funds released in stages as the work is completed.
Learn more about Fix-and-Flip FinancingRental Property Financing
Longer-term financing for income-producing residential property, underwritten primarily on what the asset earns.
Learn more about Rental Property FinancingCommercial Real Estate Loans
Financing for income-producing and owner-occupied commercial property, underwritten on the asset, its tenants and its cash flow.
Learn more about Commercial Real Estate LoansConstruction & Development Financing
Ground-up and major redevelopment financing, advanced in stages against verified construction progress.
Learn more about Construction & Development FinancingHow it works
A clear path from enquiry to closing
No hidden stages and no surprises late in the process.
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Tell us about the deal
Share the property, what you intend to do with it, how much you need and how the loan gets repaid. A short conversation usually settles whether the structure fits.
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We review and come back with options
We look at the asset, the plan and the capital you are bringing, then set out the structures realistically available for a deal like yours — in writing.
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Diligence, terms and closing
An independent valuation is ordered and title is reviewed. Once you accept written terms, we coordinate through to funding.
Who we work with
Investors, builders and business owners
Most of the people we work with have a specific property and a specific deadline. A renovation that a bank will not touch until it is finished. A building that needs tenants before it will support permanent financing. A site that is ready to build on. A business that would rather own its premises than keep paying rent.
What these have in common is that conventional underwriting is not built for them. Asset-based lending looks first at the property and the plan — which is why it can move at the speed a real transaction demands.
Beyond the capital
Commercial development services
Vector Interactive Group has delivered commercial development services since 2014. If you own commercial property you want to develop, or you are a national, regional or local company planning to expand in Northeast Florida, we have resources available to help make the project successful.
Development and financing are separate engagements. Taking one does not require taking the other — but where both are useful, having them under one roof removes a seam.
Commercial developmentRun your numbers
See what your deal supports — before you talk to anyone
Enter your purchase price, budget and projected value. Our calculator shows your maximum loan, the cash you would need to bring, and which limit is actually capping the deal.
- Covers residential and commercial investment loans.
- Real lender parameters — leverage by experience tier, credit minimums, loan sizes and terms.
- No form to fill in first. Send yourself the scenario only if you want our read on it.
Common questions
Straight answers before you apply
What kinds of property do you finance?
Our six categories cover residential investment property, small and larger multifamily, retail, office, light industrial, mixed-use, land being prepared for development, and ground-up construction. The common thread is that the property is held for investment, development or business use rather than as a primary residence. If you are unsure whether your project fits, describe it and we will tell you plainly.
Do you publish rates and terms?
We publish our lending sources' actual program parameters — leverage by experience tier, credit requirements, loan sizes and terms — on our loan programs pages, and a calculator that sizes your deal against them before you give us anything. What we will not do is quote a headline rate detached from your deal, because pricing moves with your completed project count, your credit score and the property. The lending source's formal term sheet, which you sign to move forward, sets your actual terms.
Which states do you lend in?
Availability varies by loan type and by state, so rather than publish a list that could mislead you, we confirm coverage for your specific property at the first conversation. Vector Interactive Group has operated in Northeast Florida since 2014 and the Southeast is our core market.
How much of my own money do I need in the deal?
Asset-based lending is not 100% financing, so expect to contribute meaningful capital. How much depends on the loan type, the property and your experience — a stabilised rental refinance looks very different from a ground-up construction deal. We will tell you where your project stands once we understand it.
Are you a direct lender or a broker?
Vector Capital Services is a broker. We arrange financing through lending sources rather than lending our own capital, which means we are not limited to a single lender's appetite — useful on deals that do not fit one box. We will tell you who the capital is coming from, and how we are compensated, before you commit to anything.
What is the fastest way to get a real answer?
Complete the pre-loan application. It is built to capture the deal points that actually determine whether a project can be funded — property, valuation, scope, capital and exit — so we can come back with something substantive instead of a list of follow-up questions.
Talk to us about your deal
Tell us the property, the plan and the timeline. We will tell you honestly whether we can help and what the realistic next step is.