Vantex Mortgage Group

What Vantex Mortgage Group does

Vantex Mortgage Group, Inc. (operating as Vantex Capital Group) is a privately held, direct portfolio hard money lender headquartered in Carlsbad, California. Founded in 2003, the company originates business-purpose mortgage loans secured by California real estate, with stated expansion into Colorado, Texas, and Washington State. Loan sizes range from $50,000 to $25 million at interest rates starting at 8.99%, with LTVs up to 65% residential and 60% commercial (expandable to 75% case-by-case). Loan terms span 1 to 10 years covering fix-and-flip, bridge, cash-out refinance, ground-up construction, multi-family, mixed-use, special-use (including religious and automotive), and land/lot financing.

The company's core technical and capital asset is Vantex Mortgage Fund, LLC, a wholly-owned subsidiary formed in 2014 that provides proprietary in-house capital and enables same-day lending decisions, in-house underwriting, and rapid closings (1 week residential, 2 weeks commercial). The company is licensed by the California Department of Real Estate (#01375992) and NMLS (#245853). Technology consists of internal valuation methods that bypass Appraisal Management Company queues, online property evaluation tools for preliminary equity assessment, and direct phone-based sales infrastructure.

Vantex serves real estate investors (house flippers, wholesalers, rental operators), commercial real estate developers, mortgage brokers, real estate brokers, and attorneys. Its GTM is direct-to-consumer via website inquiry forms and a 1-800 number, supplemented by an industry professional referral network. Revenue derives from origination points and interest on hard money loans. The company has funded over $650 million cumulatively since 2003; specific current revenue, headcount, and ownership details beyond founder/President-led private ownership are not disclosed.

Name

Vantex Mortgage Group

Legal name

Vantex Mortgage Group, Inc.

Website

https://vantexcapital.com

Company type

Private

Founded year

2003

Operating status

Operating

Headcount range

1–10 employees

Short description

Vantex Mortgage Group is a California-based direct portfolio hard money lender founded in 2003, serving real estate investors and commercial developers with $50K–$25M loans funded through its proprietary Vantex Mortgage Fund, LLC.

Ownership category

akta.pro rank

Product category

Hard Money Lending

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

CRE Bridge & Transitional Lending (FSALADAC)

Keywords

• Hard money lending
• Residential bridge loans
• Commercial real estate financing
• Fix and flip loans
• Direct portfolio lending

Headquarters

HQ city

Carlsbad

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Loan Origination Interest: Revenue generated from interest charged on hard money loans originated through their proprietary fund. Interest rates typically start at 8.99% for residential and commercial loans. Loan terms range from 1-5 years for short-term projects and up to 10 years for amortized structures.
2. Origination Points: One-time origination fees charged at loan closing, typically rolled into the loan proceeds or paid from down payment. No upfront fees required from borrowers.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels9 records

Core offering

Vantex Mortgage Group is a direct portfolio hard money lender that originates residential and commercial real estate loans for investors through its proprietary in-house fund, Vantex Mortgage Fund, LLC. The company funds loans ranging from $50,000 to $25 million with rates starting at 8.99%, using asset-based underwriting focused on property equity rather than borrower credit, and provides same-day lending decisions with closings typically within 1 week for residential and 2 weeks for commercial properties.

Product overview

Vantex Capital Group operates as a direct portfolio lender offering a comprehensive suite of hard money loan products for real estate investors. The company's primary offering is the Vantex Mortgage Fund, LLC (established 2014), a proprietary in-house fund that enables same-day lending decisions and rapid closings. Loan products span residential and commercial categories including: Residential Hard Money Loans, Commercial Hard Money Loans, Owner Occupied Bridge Loans, Church Building Loans, Fix & Flip Loans, Bridge Loans, Cash-Out Refinances, Ground-Up Construction Loans, Multi-Family Loans, Mixed-Use Property Loans, Special Use Property Loans (automotive, hospitality, religious), and Land/Lot Loans. The company funds loans ranging from $50,000 to $25 million with rates starting at 8.99%, LTVs up to 65-70% for residential and 60% for commercial (expanding to 75% case-by-case), and terms from 1-10 years. Loan servicing is primarily handled in-house through the proprietary fund.

Differentiator

Problem solved

Functional benefit

Products and services

• Residential Hard Money Loans Hard money loans for purchases, refinances, and fix-and-flip projects on all types of residential properties including single-family homes, townhouses, condos, and 2-4 unit properties. LTV up to 65%, rates starting at 8.99%, loans typically close in 1 week.
• Commercial Hard Money Loans Hard money loans for purchase and refinance of commercial properties including retail, office, industrial, mixed-use, multi-family (5+ units), automotive facilities, and special-use properties. LTV up to 60% (up to 75% case-by-case), rates starting at 9%+ for 1st Liens and 10%+ for 2nd Liens, loans typically close in 2 weeks.
• Owner Occupied Bridge Loans Bridge financing for business owners seeking to pull equity from their primary residence for legitimate business ventures, or to bridge the purchase of a new primary residence before the first one sells.
• Church Building Loans Specialized hard money financing for religious facilities including churches, synagogues, and mosques, as well as other special-use properties such as adult care residences, hospitality, and restaurants.
• Fix & Flip Loans Short-term hard money loans for real estate investors purchasing distressed properties, renovating them, and selling for profit. Construction funds are held in escrow and released via draw requests as renovation milestones are completed.
• Bridge Loans Short-term financing to bridge capital gaps for property acquisitions, renovations, or to stabilize properties before conventional or HUD refinancing, with terms up to 10 years for longer stabilization periods.
• Cash-Out Refinance Equity extraction loans allowing investors to unlock capital from existing properties based on current value rather than purchase price, with no seasoning requirements.
• Ground-Up Construction Loans Financing for ground-up construction on fully entitled lots with milestone-based draw schedules tied to construction progress and after-repair value (ARV) evaluation.
• Proof of Funds Letters Pre-approved clients receive robust Proof of Funds letters demonstrating credible capital backing for strong purchase offers.

Quantifiable outcome

• Over $650 million funded since 2003
• +2 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Market position

Competitive moat4 records

Key highlights6 records

Customer concentration

• Xx.com/vantexcapital
• Facebookfacebook.com/people/Vantex-Capital-Group/61551817390863
• LinkedInlinkedin.com/company/vantex-mortgage-group
• Instagraminstagram.com/vantex_capital_group

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Vantex Mortgage Group