San Jose Private Money Loans for Borrowers

Let us help you! We can provide alternative financing solutions for borrowers who are unable to get traditional financing and can assist clients with a low FICO credit score, self-employed or have no proof of income. 

A few benefits in choosing us include:

• An efficient and knowledgeable staff.
• A simple application process.
• A trusted and reliable lending experience.
• We don’t require bank statements, W2s, tax returns or a social security number.
• We offer loans to entities like LLCs and Corporations.
• Foreign borrowers can borrow through a US Embassy in a different country.

Val-Chris Investments, Inc. is a San Jose asset-based, direct, private, and hard money lender. We provide loans ranging from residential to commercial and industrial properties throughout California. Our diverse portfolio of borrowers includes individuals, corporations, limited liability companies, trusts, estates, probates and foreign nationals. We offer competitive loan packages to borrowers who are unable to qualify for a bank loan or who simply need capital quickly.

Since we are a direct lender and have our own underwriting guidelines and standards, we a able to get our clients through the approval process quickly and funded fast. The current value of the property, purpose of the loan and ability to repay the loan are our main concerns regarding loan transaction. We pride ourselves on our fast turn around and providing amazing service to all our customers and have a long track record of quality service that keeps our clients coming back.

FICO credit score minimums are not a requirement at Val-Chris. Moreover, we originate 1st, 2nd and 3rd trust deeds and our Loans usually lose within 3-7 business days. Other Loan Program Highlights include:

• Loan amounts from $20,000 to $2,000,000
• Loan-to-value ratios up to 65%
• Loan terms starting at 1 to 3 years