Traditional loans are difficult to obtain. Val-Chris provides lending solutions to the disadvantaged and under-served.
Our lending process is quick, easy, and cost-effective. We are dedicated to assisting all our clients—if you are self-employed, have a low FICO credit score, or have no proof of income, we’ve got you covered.
A few benefits in choosing us include:
- An efficient and knowledgeable staff.
- A simple application process.
- A trusted and reliable lending experience.
Val-Chris is one of the leading asset-based, direct, private and hard money lenders in Long Beach, with over 40 years of experience granting residential, commercial, and industrial loans. Our growing and diverse portfolio of borrowers includes individuals, limited liability companies, trusts, estates, corporations, and foreign nationals. The direct private money lending options we offer provide valuable solutions to borrowers that would not normally qualify for a conventional bank loan.
We pride ourselves on our fast turnarounds and the meticulous quality of service we provide to our clients. Through prudent and responsible underwriting, we’re able to greatly expedite the approval process for our clients. What’s more, the easy guidelines and flexible terms we provide enable our clients to get funded quickly, empowering them to take advantage of opportunities as they arise.
We originate 1st, 2nd, and 3rd trust deeds, with loans typically closing within 3-7 business days. We don’t require a minimum FICO credit score. Additional benefits include:
- Loan amounts from $25,000 to $4,000,000
- Loan-to-value ratios up to 75%
- Loan terms starting at 3 to 10 years