We invest in your success
When the door to opportunity opens, we’re here to help you close the deal. Quickly. With minimal hassle. Delivering the right loan for your needs.
Whether you’re purchasing an investment property, want to refinance, or need a loan for construction or renovation, we’ve got you covered. From bridge to blanket loans, we offer the flexibility you need to achieve your goals.
Opportunities await, let us help you capture them
Why Choose Victory Capital?
Ultra Fast Turnaround
Flexibility for Your Needs
Family-owned & Operated
About Us
To support your next best investment goal
Purchase money
Refinance a property
Bridge loan
Construction loan
Fix and flip loan
Blanket loans for multiple properties
Private Lending with a Simple Process
Deals happen fast, so you need to act faster. Rely on our deep experience in the real estate market, especially in South Florida, to help you create a compelling offer to win – in record time. We lend based on the asset and offer approval within days – not weeks.
Our Passion is Helping Other Investors
We champion your dreams and are excited to help make them a reality. We’re here to deliver the financing you need to make deals happen with the right loan that works for you. It’s not about numbers. It’s all about people. Anyone is capable of achieving their investment goals. Opportunities are everywhere. Let us help you capture them.
Frequently Asked Questions
Our borrowers get flexible repayment terms, competitive interest rates and the quickest closing times compared to our competitors. We are a family-run business that offers accessibility and flexibility for you, our clients, so you can succeed in your investment goals.
VCG provides loans to clients for investment purposes ONLY. The real estate must not be for personal use. The real estate can be a rental property, a fix and flip, a construction project, investment property, commercial property, multifamily property, townhome or condominium.
A bridge loan is a short-term loan used until a person or entity secures permanent financing.
Yes, VCG provides construction loans as a short-term solution until construction is complete or until the project is sold, depending on the needs of the client.
The loan products that VCG provides consist of interest-only payments. Simple interest is calculated by multiplying the loan amount by the interest rate and dividing by 12 months. Principal pay downs are permitted with VCG’s prior approval and consent. When the loan reaches maturity, the total loan amount becomes due (known as a balloon payment). Interest payments are calculated based on simple interest with an assumption of 360 days per year.
Short term loan rates range between (8%-12%) depending on various factors: (i.e. how quickly the client needs the loan, the amount of the loan, the quality of the collateral and the loan-to-value amount).
VCG does provide loan extensions to clients for already existing loans, depending on payment history and type of loan.
Yes, VCG can provide a loan to an investor who is paying off an existing mortgage that has reached or is about to reach its maturity date, or to modify the terms of their existing mortgage (i.e. pull out additional funds, lower their interest rate or extend the loan term).
Yes, this is known as a “cash-out loan” which allows investors to pull equity out of their free and clear investment property.
Yes, VCG provides loans to remodel your investment property.
Yes, this is known as a purchase money mortgage.
Yes, in select cases, VCG can provide a loan for the purchase of raw land for future development, but ONLY for as-of-right use and not future use or land use changes.
Qualification depends on the investment property collateral and borrower’s financial ability to service the debt.
VCG will still consider providing a loan solution if you have bad credit. However, foreclosures, bankruptcy and/or judgments can affect a VCG loan approval. This is reviewed on a case-by-case basis.
A completed loan application, a background check, an appraisal or BPO (broker price opinion) and identification.
No, in most cases VCG will not request tax transcripts or income statements.
VCG can fund loans within 3-10 business days, depending on the completion of the required documentation.
VCG requires payments to be made via ACH electronic debit.
Loan payments are due on the first day of each month.
Interest payments are calculated based on simple interest with an assumption of 360 days per year.
Yes, depending on the asset type, VCG requires hazard and liability, and possibly flood, depending on the location.
Please contact our office at (305) 255-4145 or email us at info@victorycg.com
At closing the client is provided with a payment schedule. A copy can also be requested by email at info@victorycg.com.
Let’s do Business
Se Habla Español
305-255-4145
3220 S. Dixie Hwy, Suite 201
Miami, FL 33133