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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
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 listed real estate experience context, 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-borrowers who meet provider criteria. 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.
This is state-level context for Business Loans consumers in Atlanta, GA. It does not confirm that Vi Capital Lending Group or this specific location is licensed.
State regulator
Georgia Department of Banking and Finance
Consumer protection
Status: Permitted
Rate context: 5% simple interest (7% contract rate) under usury laws; no specific cap for licensed lenders making installment loans
Personal loans from licensed lenders are governed by Georgia Consumer Finance Law. Unlicensed lenders are subject to usury caps.
Status: Permitted
Rate context: Licensed installment lenders can charge tiered rates up to 60% APR on smallest loans, declining with loan size; rates regulated by Georgia Consumer Finance Law (Ga. Code Ann. § 34-29-1 et seq.)
Licensed by Georgia Department of Banking and Finance. Rates vary by loan amount with maximum rates decreasing as loan amounts increase. Lenders must be licensed and comply with all regulatory requirements.
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Vi Capital Lending Group offers 12 services including Fix & Flip loans (up to 90% LTV, 12-24 month interest-only terms), New Construction financing (85% LTC, budget analysis, quick draw funding), Purchase & DSCR/Cash Out mortgages (up to 80% LTV, 30-year terms, non-owner occupied), Bridge Loans (up to 75% LTV, 5-day closing), Development Loans (horizontal and vertical construction, $500K-$50M+), and 7 more.
Vi Capital Lending Group has profile signals associated with 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.
Key strengths: 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. Areas to consider: Development loans have $500K minimum, excluding smaller real estate investors; Advertised rates (6.99%-8.99%) likely apply only to best-borrowers who meet provider criteria; actual rates may be higher in listed context.
In the Business Loans category, comparable providers include American Credit Acceptance - Atlanta, GA, Georgia Certified Development Corporation, Georgia Cities Foundation. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Vi Capital Lending is profile signals 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 limited-documentation claims to verify—while offering speed—may indicate higher risk loans and that advertised rates apply only to best-borrowers who meet provider criteria; actual costs and terms require direct inquiry.
American Credit Acceptance provides auto financing solutions for dealers and customers, operating as a captive finance company serving the automotive lending market.
Profile signals: Automotive dealers seeking captive finance partnerships to increase sales, Used car dealerships wanting to offer in-house financing to customers
Georgia Certified Development Corporation is an SBA 504 lender providing long-term, fixed-rate financing to small businesses for asset acquisition and expansion.
Profile signals: Small business owners needing to purchase or refinance fixed assets (equipment, real estate, facilities), Start-up businesses seeking long-term capital with more flexible underwriting than conventional lenders
Georgia Cities Foundation provides subordinate gap financing and placemaking support to Georgia cities, with a focus on downtown development and rural community revitalization.
Profile signals: Georgia municipalities and cities seeking downtown revitalization project financing, Rural Georgia communities with viable development projects needing gap financing
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
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.
Lenders are required to 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 lower-cost 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.
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.
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.
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.
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.
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.
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.
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.
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.
The original amount of money you borrowed, before any interest or fees are added. It's the 'real' amount of your debt.
Your interest is calculated on the principal. Paying extra toward principal (not just interest) is the one route 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.
The process where a lender evaluates your finances — income, debts, credit history, assets — to decide whether to approve your loan and at what rate.
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.
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