Connecting Commercial Real Estate Sponsors with Alternative Financing

Vault CRE specializes in connecting Construction and Value-Add Developments with Lenders who creatively finance projects.

    Project Information

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    Asset Classes

    Multi Family

    Residential

    Hospitality

    Land

    Project Types

    Ground Up Construction

    Value Add

    Refinance

    Purchase

    Our Value

    Vault is a relationship-based lending platform that simplifies the commercial real estate lending process. Our dedicated loan consultant will guide you through each step of the process to ensure your project is matched with the optimal source of debt financing.

    No Upfront Fees

    Our team will only be paid when your project successfully receives debt financing 

    Easy Submission Requirements

    Submit your project summary information in less than 5 minutes with our simple onboarding process

    Dedicated Loan Consultant

    We assist in the entire debt financing process, from matchmaking to closing

    Lenders Quickly Underwrite

    Your loan information is formatted into an offering presentation that is attractive to Lenders

    Receive Competitive Terms

    Vetted Local and National Lenders compete for your business

    Multiple Options for Best Fit

    Receive multiple Term Sheets and choose the best terms for you and your specific project

    5 Step Process

    • Submit Loan Request
    • Match with Lenders
    • Select Term Sheets
    • Get Loan Offers
    • Receive Financing

    Private Lenders

      • Private Lenders are debt funds mandated to allocate secured debt financing to real estate businesses. These fund structures are typically financed by investors seeking a relatively low-risk return secured by a hard asset such as land or real estate. 
      • Each Private Lender has their own personal investment philosophy and lending parameters that we will navigate for you. Since the 2008 financial crisis, private lenders have become standard in real estate development finance, to fill the gap from banks’ tightened regulations. 
      • Private lenders have the highest risk tolerance and will approve a higher LTV than other options with as low as 7% interest.

    HUD

      • Housing and Urban Development is a U.S. Government program. Our lending partner is a direct HUD Lender for Multifamily & Healthcare Properties operating since 1991. 
      • HUD 221(d)(4) and 223(f) loan programs provide financing for the acquisition, refinance, new construction and substantial rehabilitation of market rate apartment buildings nationwide. 
      • All HUD programs are non-recourse, assumable and offer fixed interest rates for 35-40 years.
      • In addition to direct lending programs, our partner has extensive experience with low income housing tax credits (LIHTC), historic tax credits, and other capital sources that can be combined with our debt options to maximize leverage. This expertise allows us to fill equity gaps that would otherwise impede the success of a project.

    Credit Unions

      • Credit Unions understand the local market and community. They operate similar to a bank, with low rates and more flexible terms. 
      • Loan officers have a clear step-by-step process for loan underwriting and servicing. This is an institution that may have more strict penalties than other options for loan defaults. 
      • Credit Unions will typically have the lowest risk tolerance and demand a lower LTV, with the lowest rates and overall least expensive financing costs.

    We invite you to get in touch with any inquiries.