B
Black Onyx Lending
Contact
BBB:
Vi Capital Lending Group in Atlanta, GA
Vi Capital Lending provides private lending for real estate investors and commercial borrowers, offering fix-and-flip loans, new construction financing, bridge loans, and DSCR mortgages with flexible underwriting.
Data compiled from public sources · Rating from CreditDoc methodology
Vi Capital Lending Group Review
Vi Capital Lending Group is a private lending company specializing in real estate investment financing and commercial mortgages. Founded to serve borrowers whose needs fall outside traditional bank lending, they focus on small to medium-sized real estate investors and business owners seeking quick, flexible loan structures. The company emphasizes nimble underwriting and adaptive loan terms across changing market conditions.
The company offers six primary lending products: Fix & Flip loans (up to 90% LTV, 12-24 month terms, rates from 8.99%), New Construction financing (85% LTC with budget analysis and quick draws), Purchase & DSCR/Cash Out mortgages (up to 80% LTV, 30-year terms, rates from 6.99%), Bridge Loans (up to 75% LTV, closing in as little as 5 days), Development Loans ($500K-$50M+ for horizontal and vertical construction), and Unsecured Capital lines of credit (8% rates, $200K-$100K minimums). Their underwriting is streamlined: no full documentation required, no tax returns needed, and stated or bank statement loans accepted.
Vi Capital distinguishes itself through specialized real estate expertise, offering consulting services including sketch plat analysis and land disturbance planning. They provide a Material Order Rebate Program saving up to 15%, allow capital reuse over 24 months without additional origination fees, and accept borrowers with 600+ credit scores. Their minimum credit score for some products is 620, and they market rapid turnaround with bridge loans closing in 5 days. The company positions itself as a partner through the entire project lifecycle, not just a lender.
The company's model depends on less stringent documentation standards, which enables faster approvals but may indicate higher risk tolerance or less thorough underwriting than traditional lenders. Rates advertised (6.99%-8.99%) are positioned as competitive but likely apply only to best-qualified borrowers. Minimum loan sizes for development products ($500K) limit accessibility for smaller investors. The company's emphasis on "no full docs needed" and "no taxes needed" appeals to self-employed and business owners but warrants scrutiny about overall lending standards.
Services & Features
Accounts Receivable financing ($200K-$100K minimums)
Bridge Loans (up to 75% LTV, 5-day closing)
Commercial real estate lending (office, daycare, automotive, multi-family)
Development Loans (horizontal and vertical construction, $500K-$50M+)
Equipment Financing (medical, construction, restaurant, auto repair)
Fix & Flip loans (up to 90% LTV, 12-24 month interest-only terms)
Free 45-minute consultations
New Construction financing (85% LTC, budget analysis, quick draw funding)
Project consulting (sketch plat, land disturbance, material order rebate program)
Purchase & DSCR/Cash Out mortgages (up to 80% LTV, 30-year terms, non-owner occupied)
Stated and bank statement loan options
Unsecured Capital lines of credit (8% rates, 1-5 year terms)
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Fix & Flip rates start at 8.99% with up to 90% LTV and no prepayment penalty
- Bridge loans close as quickly as 5 days with rates from 6.99%
- No full documentation required; accepts stated or bank statement loans
- Material Order Rebate Program saves up to 15% on development projects
- Offers development loans up to $50M+ for both residential and commercial projects
- DSCR mortgages available with 30-year terms and rates from 6.99%
- Includes complimentary consulting for fix-and-flip and construction projects
Cons
- Development loans have $500K minimum, excluding smaller real estate investors
- Advertised rates (6.99%-8.99%) likely apply only to best-qualified borrowers; actual rates may be substantially higher
- Minimal documentation standards raise questions about underwriting rigor compared to traditional lenders
- Unsecured capital line of credit requires minimum $200K annual income ($10K/month for 6 months)
- Website lacks transparency on fees, origination costs, or APR calculations; only rates are listed
Rating Breakdown
Value 5.0
Effectiveness 3.5
Customer Service 3.7
Transparency 3.5
Ease of Use 3.9
Frequently Asked Questions
Is Vi Capital Lending Group legitimate?
Yes. Vi Capital Lending Group is a registered company, headquartered in 504 Fair St SW, Atlanta, GA 30313.
Quick Facts
- Headquarters
- 504 Fair St SW, Atlanta, GA 30313
- BBB Accredited
- No
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on Vi Capital Lending Group
Vi Capital Lending is best for experienced real estate investors and commercial borrowers who need rapid, flexible financing outside traditional bank parameters. The primary caveat is that streamlined underwriting and minimal documentation requirements—while offering speed—may indicate higher risk loans and that advertised rates apply only to best-qualified borrowers; actual costs and terms require direct inquiry.
Best For
- Experienced real estate investors seeking fix-and-flip and new construction financing outside traditional bank constraints
- Self-employed business owners and real estate professionals with strong income but incomplete tax documentation
- Commercial borrowers needing bridge financing with rapid closings (5 days or less)
- Development companies with $500K+ projects requiring horizontal or vertical construction loans
Updated 2026-04-29
More Business Loans
C
Coast Funding
Contact
BBB:
W
Working Solutions CDFI
Contact
BBB:
Financial Wellness Guides
How to Read Your Credit Report (And Spot Errors)
Your credit report contains the raw data behind your score. Learn what's in it, how to read it, and how to dispute errors that could be dragging your score down.
Read guide →Buy Now, Pay Later: How BNPL Really Affects Your Credit
Klarna, Afterpay, Affirm — they make spending easy. But what happens to your credit score when you use them? Here's what the fine print doesn't tell you.
Read guide →Understanding Your Credit Score: The Complete Guide
Learn what makes up your credit score, how it's calculated, what the ranges mean, and how to check yours for free.
Read guide →Financial Terms Explained (7 terms)
New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
Interest & Rates
APR — Annual Percentage Rate
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Why it matters
Lenders must show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the cheapest loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
Interest Rate
The percentage a lender charges you for borrowing their money, calculated on the amount you still owe. It's the lender's profit for taking the risk of lending to you.
Why it matters
Even a 1% difference in interest rate can cost you thousands over a loan's life. Lower rates mean less money out of your pocket.
Example
On a $20,000 car loan for 5 years: at 5% you pay $2,645 in interest. At 8% you pay $4,332. That 3% difference costs you $1,687 extra.
How Loans Work
Cosigner — Loan Cosigner
A person who agrees to repay your loan if you can't. They're equally responsible for the debt, and their credit is affected by your payment behavior.
Why it matters
Cosigning helps people with thin credit get approved or get better rates. But it's a huge risk for the cosigner — they're on the hook for the full amount if you default.
Example
A parent cosigns their child's $30,000 student loan. The child stops paying after 6 months. The parent is now legally required to make the payments or face collections, lawsuits, and credit damage.
Loan Term (Tenor) — Loan Term / Tenor
How long you have to repay the loan, measured in months or years. A shorter term means higher monthly payments but less total interest paid.
Why it matters
Longer terms feel more affordable monthly but cost much more overall. A 30-year mortgage costs almost double in interest compared to a 15-year mortgage on the same amount.
Example
Borrowing $200,000 at 6.5%: A 15-year term costs $1,742/month ($113,561 total interest). A 30-year term costs $1,264/month ($255,088 total interest). You save $141,527 with the shorter term.
Origination Fee — Loan Origination Fee
A one-time fee the lender charges to process and set up your loan. It covers their costs for underwriting, verifying your information, and preparing paperwork.
Why it matters
Origination fees are usually 1-8% of the loan amount and are often deducted from your loan proceeds — so you receive less than you borrowed.
Example
You're approved for a $10,000 personal loan with a 5% origination fee. The lender deducts $500 upfront, so you receive $9,500 in your bank account but owe $10,000 plus interest.
Principal — Loan Principal
The original amount of money you borrowed, before any interest or fees are added. It's the 'real' amount of your debt.
Why it matters
Your interest is calculated on the principal. Paying extra toward principal (not just interest) is the fastest way to reduce your total cost and pay off a loan early.
Example
You borrow $25,000 for a car. That $25,000 is your principal. Your first payment of $450 might split as $150 toward interest and $300 toward principal, bringing your balance to $24,700.
Underwriting — Loan Underwriting
The process where a lender evaluates your finances — income, debts, credit history, assets — to decide whether to approve your loan and at what rate.
Why it matters
Understanding what underwriters look for helps you prepare a stronger application. They check your DTI ratio, employment stability, credit score, and the asset's value.
Example
You apply for a mortgage. The underwriter reviews your pay stubs (income), bank statements (savings), credit report (history), and orders an appraisal (home value). This takes 2-4 weeks.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
Affiliate Disclosure: CreditDoc may earn a commission when you click links to Vi Capital Lending Group and other services. These commissions help us maintain our free research. Our editorial team independently evaluates all services. Compensation does not influence our ratings or rankings. Learn more.