Our Expertise
Our Services
Solutions We Provide
Bridge to Sell
Why It Matters:
Bridge to Sell unlocks the equity in your current property before it sells, giving you the capital to purchase your next home with confidence. It allows you to make stronger, non-contingent offers and transition on your own timeline - whether your next home is in California or another state.
What’s Included:
Loans up to $8 million, up to 12 month terms
Owner-occupied properties welcome
Rates from 8.99%–11.99%
No pre payment penalty
Helping you fund the purchase of a new home while you're still selling your existing home or land.
Bridge to Sell
Why It Matters:
Bridge to Sell unlocks the equity in your current property before it sells, giving you the capital to purchase your next home with confidence. It allows you to make stronger, non-contingent offers and transition on your own timeline - whether your next home is in California or another state.
What’s Included:
Loans up to $8 million, up to 12 month terms
Owner-occupied properties welcome
Rates from 8.99%–11.99%
No pre payment penalty
Helping you fund the purchase of a new home while you're still selling your existing home or land.
Bridge to Sell
Why It Matters:
Bridge to Sell unlocks the equity in your current property before it sells, giving you the capital to purchase your next home with confidence. It allows you to make stronger, non-contingent offers and transition on your own timeline - whether your next home is in California or another state.
What’s Included:
Loans up to $8 million, up to 12 month terms
Owner-occupied properties welcome
Rates from 8.99%–11.99%
No pre payment penalty
Helping you fund the purchase of a new home while you're still selling your existing home or land.
Construction Loans
Why It Matters:
Construction projects require financing that moves at the pace of the build. Our program provides funding of up to 80% of total project cost, with draws released on a structured, inspected schedule - ensuring capital is available at every stage, from groundbreaking to completion.
What’s Included:
Loans up to $3 million, terms up to 24 months
Rates from 9.99%–12.99%
Dedicated construction fund control from start to finish
Ground-up construction and construction completion projects
Interest reserves available to cover payments during the loan term
Construction Loans
Why It Matters:
Construction projects require financing that moves at the pace of the build. Our program provides funding of up to 80% of total project cost, with draws released on a structured, inspected schedule - ensuring capital is available at every stage, from groundbreaking to completion.
What’s Included:
Loans up to $3 million, terms up to 24 months
Rates from 9.99%–12.99%
Dedicated construction fund control from start to finish
Ground-up construction and construction completion projects
Interest reserves available to cover payments during the loan term
Construction Loans
Why It Matters:
Construction projects require financing that moves at the pace of the build. Our program provides funding of up to 80% of total project cost, with draws released on a structured, inspected schedule - ensuring capital is available at every stage, from groundbreaking to completion.
What’s Included:
Loans up to $3 million, terms up to 24 months
Rates from 9.99%–12.99%
Dedicated construction fund control from start to finish
Ground-up construction and construction completion projects
Interest reserves available to cover payments during the loan term
Fix & Flip Loans
Why It Matters:
Fix & flip projects live and die by two things: how fast you can close, and how much of your own cash you have to leave in the deal. A hard money fix & flip loan from a direct California lender solves both. We finance the purchase and the rehab in a single loan, close in as little as 3 business days, and underwrite in-house — so you can win competitive bids, recycle capital faster, and scale to more projects per year.
What’s Included:
Single loan covering both purchase and rehab
Loan amounts from $250,000 to $75,000,000+
Up to 80% of purchase price / 75% of total cost
1st Trust Deed financing on non-owner-occupied 1–4 unit, multi-family, and mixed-use properties
Short-term flexibility (typically 6–24 months)
Fix & Flip Loans
Why It Matters:
Fix & flip projects live and die by two things: how fast you can close, and how much of your own cash you have to leave in the deal. A hard money fix & flip loan from a direct California lender solves both. We finance the purchase and the rehab in a single loan, close in as little as 3 business days, and underwrite in-house — so you can win competitive bids, recycle capital faster, and scale to more projects per year.
What’s Included:
Single loan covering both purchase and rehab
Loan amounts from $250,000 to $75,000,000+
Up to 80% of purchase price / 75% of total cost
1st Trust Deed financing on non-owner-occupied 1–4 unit, multi-family, and mixed-use properties
Short-term flexibility (typically 6–24 months)
Fix & Flip Loans
Why It Matters:
Fix & flip projects live and die by two things: how fast you can close, and how much of your own cash you have to leave in the deal. A hard money fix & flip loan from a direct California lender solves both. We finance the purchase and the rehab in a single loan, close in as little as 3 business days, and underwrite in-house — so you can win competitive bids, recycle capital faster, and scale to more projects per year.
What’s Included:
Single loan covering both purchase and rehab
Loan amounts from $250,000 to $75,000,000+
Up to 80% of purchase price / 75% of total cost
1st Trust Deed financing on non-owner-occupied 1–4 unit, multi-family, and mixed-use properties
Short-term flexibility (typically 6–24 months)
Cash-Out
Why It Matters:
Equity sitting in your property isn't doing anything. A cash-out loan converts that equity into deployable capital - to fund your next acquisition, complete a rehab, cover a tax bill, buy out a partner, or bridge a short-term cash crunch. Banks take 45–60 days and stack on documentation. As a direct California lender, we close cash-out loans in as little as 3 business days, with no appraisal and no third-party delays - so your equity goes to work when you need it, not weeks later.
What’s Included:
Cash-out refinance on non-owner-occupied California real estate
Loan amounts from $250,000 to $75,000,000
Up to 80% LTV — pull out the equity you've earned
1st Trust Deed, 2nd Trust Deed, and equity loan options
Business-purpose loans only (SFR 1–4 units, multi-family, mixed-use, commercial, industrial, retail, office, land)
Cash-Out
Why It Matters:
Equity sitting in your property isn't doing anything. A cash-out loan converts that equity into deployable capital - to fund your next acquisition, complete a rehab, cover a tax bill, buy out a partner, or bridge a short-term cash crunch. Banks take 45–60 days and stack on documentation. As a direct California lender, we close cash-out loans in as little as 3 business days, with no appraisal and no third-party delays - so your equity goes to work when you need it, not weeks later.
What’s Included:
Cash-out refinance on non-owner-occupied California real estate
Loan amounts from $250,000 to $75,000,000
Up to 80% LTV — pull out the equity you've earned
1st Trust Deed, 2nd Trust Deed, and equity loan options
Business-purpose loans only (SFR 1–4 units, multi-family, mixed-use, commercial, industrial, retail, office, land)
Cash-Out
Why It Matters:
Equity sitting in your property isn't doing anything. A cash-out loan converts that equity into deployable capital - to fund your next acquisition, complete a rehab, cover a tax bill, buy out a partner, or bridge a short-term cash crunch. Banks take 45–60 days and stack on documentation. As a direct California lender, we close cash-out loans in as little as 3 business days, with no appraisal and no third-party delays - so your equity goes to work when you need it, not weeks later.
What’s Included:
Cash-out refinance on non-owner-occupied California real estate
Loan amounts from $250,000 to $75,000,000
Up to 80% LTV — pull out the equity you've earned
1st Trust Deed, 2nd Trust Deed, and equity loan options
Business-purpose loans only (SFR 1–4 units, multi-family, mixed-use, commercial, industrial, retail, office, land)
Refinance
Why It Matters:
Not every refinance is about pulling cash out - sometimes you just need better terms, more time, or a way out of a loan that's about to mature. A rate & term refinance from a direct California lender lets you pay off an existing loan, reset your timeline, and avoid default - fast. Whether your current lender is calling the loan, your bank financing fell through, or you need breathing room to finish a project and exit cleanly, we close in as little as 5 business days.
What’s Included:
Rate & term refinance on non-owner-occupied California real estate
Short-term refinance solutions for California real estate assets
Capital available to pay off existing loans, liens, or maturing debt
Flexible loan structures based on collateral, equity, and exit strategy
Direct private capital with expedited underwriting and escrow-based funding
Refinance
Why It Matters:
Not every refinance is about pulling cash out - sometimes you just need better terms, more time, or a way out of a loan that's about to mature. A rate & term refinance from a direct California lender lets you pay off an existing loan, reset your timeline, and avoid default - fast. Whether your current lender is calling the loan, your bank financing fell through, or you need breathing room to finish a project and exit cleanly, we close in as little as 5 business days.
What’s Included:
Rate & term refinance on non-owner-occupied California real estate
Short-term refinance solutions for California real estate assets
Capital available to pay off existing loans, liens, or maturing debt
Flexible loan structures based on collateral, equity, and exit strategy
Direct private capital with expedited underwriting and escrow-based funding
Refinance
Why It Matters:
Not every refinance is about pulling cash out - sometimes you just need better terms, more time, or a way out of a loan that's about to mature. A rate & term refinance from a direct California lender lets you pay off an existing loan, reset your timeline, and avoid default - fast. Whether your current lender is calling the loan, your bank financing fell through, or you need breathing room to finish a project and exit cleanly, we close in as little as 5 business days.
What’s Included:
Rate & term refinance on non-owner-occupied California real estate
Short-term refinance solutions for California real estate assets
Capital available to pay off existing loans, liens, or maturing debt
Flexible loan structures based on collateral, equity, and exit strategy
Direct private capital with expedited underwriting and escrow-based funding
Bridge Loans
Why It Matters:
When timing makes or breaks a deal, a bridge loan gives you the capital to move now and refinance or sell later. Whether you're closing on a new property before the old one sells, beating a competing offer, or covering a gap between funding rounds, a well-structured bridge loan keeps your project on schedule and your equity working. As a direct California lender, we fund in as little as 3 business days — no third-party delays, no surprise conditions.
What’s Included:
Loan amounts from $250,000 to $75,000,000+
Funding in as little as 3 business days
Terms from 6–24 months (longer terms considered)
Up to 80% LTV on purchase price
1st and 2nd Trust Deeds available
Bridge Loans
Why It Matters:
When timing makes or breaks a deal, a bridge loan gives you the capital to move now and refinance or sell later. Whether you're closing on a new property before the old one sells, beating a competing offer, or covering a gap between funding rounds, a well-structured bridge loan keeps your project on schedule and your equity working. As a direct California lender, we fund in as little as 3 business days — no third-party delays, no surprise conditions.
What’s Included:
Loan amounts from $250,000 to $75,000,000+
Funding in as little as 3 business days
Terms from 6–24 months (longer terms considered)
Up to 80% LTV on purchase price
1st and 2nd Trust Deeds available
Bridge Loans
Why It Matters:
When timing makes or breaks a deal, a bridge loan gives you the capital to move now and refinance or sell later. Whether you're closing on a new property before the old one sells, beating a competing offer, or covering a gap between funding rounds, a well-structured bridge loan keeps your project on schedule and your equity working. As a direct California lender, we fund in as little as 3 business days — no third-party delays, no surprise conditions.
What’s Included:
Loan amounts from $250,000 to $75,000,000+
Funding in as little as 3 business days
Terms from 6–24 months (longer terms considered)
Up to 80% LTV on purchase price
1st and 2nd Trust Deeds available
Our Works
Borrower Success Stories
Providing investors with the financing they need.
Bridge Loans
Bridge to Purchase | 4.2mil 1821 Loma Vista Dr, Beverly Hills
$4.2MM bridge-to-purchase financing secured by a luxury Beverly Hills residence, structured through VIG’s in-house underwriting and proprietary capital platform.
Refinancing
Refinancing | 13.5mil | 251 N Bristol Ave Los Angeles
We refinanced this Brentwood estate with a $13.5M loan, giving our borrower improved terms and immediate liquidity without the delays of conventional financing.
Cash-Out
Cash-Out | 12.1mil | 25220 Walker Rd Hidden Hills
$12.1MM cash-out refinance secured by a premier Hidden Hills estate, structured and funded through VIG’s in-house underwriting and proprietary capital platform.
Ready to Close Your Next Deal?
VIG focuses on making loans simple for our borrowers. When you speak with VIG representatives, you are talking to the decision makers who will inform you right away if your loan is approved. The documentation needed to close a VIG loan is minimal, and our team is committed to responding your needs.
Ready to Close Your Next Deal?
VIG focuses on making loans simple for our borrowers. When you speak with VIG representatives, you are talking to the decision makers who will inform you right away if your loan is approved. The documentation needed to close a VIG loan is minimal, and our team is committed to responding your needs.
Ready to Close Your Next Deal?
VIG focuses on making loans simple for our borrowers. When you speak with VIG representatives, you are talking to the decision makers who will inform you right away if your loan is approved. The documentation needed to close a VIG loan is minimal, and our team is committed to responding your needs.