Not just another lender.

Since we are backed by private investors, our loan products are available to borrowers with unique requirements and flexible loan terms.

Private money loans for borrowers, without the strict requirements and lengthy turnaround times of traditional lending.

We have been finding creative loan solutions for borrowers for more than 40 years. The application process is simple, fast, and devoid of the strict requirements for a standard bank loan. Here are the key benefits of our specialized private money products:

Get Approved

We can accommodate low credit, non-US residency, self-employment, corporation/LLC loans, and more.​

Fast Turnaround

After a simple application process, loan decisions are made quickly. Closing time is within 5 – 14 days.

Flexible Terms

Loans of up to $4 million, Loan-to-Values up to 75%, and flexible repayment terms from 2 – 7 years.

Competitive Rates

Exact rates vary based on market conditions, but we work hard to ensure loan interest is fair and equitable.

Loan Products

Whatever your loan requirements may be, we have unique funding solutions that fit. Including unconventional loan types that normal banks will not typically fund, like rehabs, mixed-use and investment properties.

Residential Loans​

Residential Loans

Whether your property is owner occupied or not, we can provide loans that fit your purpose. We provide loans that can help our borrowers and brokers secure loans quickly, where others have failed.

Commercial Loans​

Commercial Loans

It is important to find the correct commercial loan that not only has the most favorable terms, but allows you enough capital to achieve business objectives. Our experienced professionals can secure a competitive Commercial or Industrial Loan that meets your needs.

Rehab Loans​

Rehab Loans​

A rehab loan is a specialized loan that is used to rehabilitate a home or building. Val-Chris Investments has the experience necessary to broker these loans and get you a quick response or approval for any type of rehab.

Investment Property Loans​

Investment Property Loans

Whether you plan on owning your property for several years before selling it at a profit, renting out the home to make a profit each month, or have some other plan for the property, investment property loans can be secured at competitive rates.

How does it work?

Private money loans are secured via 1st, 2nd, or 3rd trust deeds on property that you own or are purchasing. Since the collateral is stable and secure, loan features and qualification requirements can be extremely flexible.

Give us a call or start an application to find out if our unique loan products are right for you. Not sure yet? Read some of our common case studies.

Assisting 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. In loan transactions, our focus is primarily on the current value of the property, the purpose of the loan and your ability to repay the loan. This translates into a quick, fast, and efficient process to approve your loan and get it funded fast! Our 40+ years of success in this business is a testament to the Val-Chris commitment for client service, and our focus on honesty, reliability, and upfront pricing.