What Is Private Lending?
What Is Private Lending?
Private lending provides capital from private investors and lending firms—not traditional banks. Instead of focusing only on credit scores and tax returns, private lenders evaluate the strength of the deal, the asset, and the opportunity.
Why investors choose private capital:
• Fast funding
• Asset-backed or revenue-based loans
• Flexible underwriting
• Creative structures banks can’t offer
Private lenders want to say yes—they just need the right opportunity.
How Private Lending Works
A typical process includes:
Discovery Call with your Vault Lenders broker
Submit deal or funding details
Lender match and review
Term sheet issued
Due diligence and funding
Bridge loans can close in 7–14 days; DSCR loans in 30–45 days.
When to Use Private Lending
Private capital is ideal when you need to:
• Acquire rentals or multi-family
• Fund a fix & flip
• Expand your business or purchase equipment
• Bridge short-term capital gaps
• Refinance or consolidate high-interest rental debt
Private lending adapts to your goals—deal by deal.
What Private Lenders Look For
• Asset strength and deal economics
• Clear repayment plan or exit strategy
• Collateral or equity position
• Track record and team
• LTV/LTC metrics
Vault Lenders packages your deal for success and matches you with the right lender every time.
Ready to Unlock Capital?
If banks are slow, restrictive, or saying no, private lending may be the key to your next level.
