Serving California's Private Money Lending Needs Since 1975

Want to start a loan application or have an investment query?

(949) 252-8020

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Funding private loans for California's borrowers since 1975.

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Private Money Lenders, Working For You

Have you been turned down for a loan by a conventional lender?
We can do loans that they can't!

  • Self-employment is OK!
  • No Proof of Income is OK!
  • Low FICO Credit Score is OK!
  • Easy Application Process
  • Quick and Experienced Staff
  • Honest, Efficient and Reliable

Val-Chris Investments, Inc. is a direct private money lender performing asset-based lending on a large variety of residential, commercial, and industrial properties throughout California for the benefit of a diverse group of borrowers.  We routinely assist borrowers who are individuals, corporation, limited liability companies, trusts, estates, probates, foreign nationals, as well as other types of borrowers who do not meet the very strict underwriting guidelines of traditional or conventional lenders.

Since we are a direct lender, we have our own underwriting guidelines and standards which translates into a quick, fast and efficient process to approve your loan and get it funded fast! In loan transactions, our focus is on the current value of the property, the purpose of the loan and your ability to repay the loan.  We are honest, efficient and reliable, and our 35 years of success in this business is testament to our commitment to our clients.

Loan Program Highlights

  • No FICO credit score minimums
  • Loan amounts from $20,000 to $2,000,000
  • Loan-to-value ratios up to 75%
  • Loan terms from 3 to 7 years
  • We originate 1st, 2nd, & 3rd Trust Deeds
  • Loan closings within 3 to 7 business days