Traditional banks move slow, ask for everything under the sun, and often say no—even to qualified borrowers. For entrepreneurs, small business owners, and real estate investors, private lending offers a faster, more flexible way to access the capital you need.
At Vault Lenders, we specialize in helping clients unlock private funding opportunities that banks can’t offer. This guide walks you through what private lending is, how it works, and why it might be the perfect solution for your next project or investment.
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Private lending refers to funding that comes from individual investors, lending companies, or non-bank institutions instead of traditional banks or credit unions. These lenders provide loans based on the strength of the deal, asset value, or business opportunity—not just credit scores and tax returns.
Private lenders typically offer:
Faster funding timelines
Asset-backed or revenue-based loans
Flexible underwriting
Creative deal structures
Unlike banks, private lenders want to say yes—they just need to see the right opportunity.
Here’s how a typical private lending process looks:
Initial Strategy Call (like our Vault Funding Strategy session)
Submit deal details or funding needs
Review from matched private lender
Term sheet issued
Due diligence and funding
Private lending often bypasses many of the frustrating hoops of bank underwriting and can close in as little as 7–14 days.
| Feature | Private Lending | Traditional Bank Loans |
|---|---|---|
| Approval Speed | 3–10 days | 30–90 days |
| Credit Score Focus | Low | High |
| Flexibility | High (creative deals) | Low (strict guidelines) |
| Collateral Required | Deal-specific | Often strict (real estate, business) |
| Who It’s Best For | Entrepreneurs, Investors | Corporations, W-2 borrowers |
If you’ve been turned down by a bank—or simply can’t wait weeks to get a decision—private lending may be your key to growth.
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Private capital is a great fit when you need to:
Fund a real estate fix & flip
Expand your business or purchase equipment
Bridge a short-term business purpose gap for growth
Consolidate or refinance existing high-interest debt on a rental property
The beauty of private lending is its adaptability—the structure, terms, and strategy can be built around your specific business goals.
While private lenders are more flexible than banks, they still want to mitigate risk. They typically evaluate:
✅ The asset or business behind the deal
✅ Your repayment plan or exit strategy
✅ Collateral or equity position
✅ Your team and track record
✅ Loan-to-value (LTV) or loan-to-cost (LTC)
That’s where a broker like Vault Lenders comes in—we match you with the right lender and package your ask for maximum success.
Getting funded doesn’t have to be complicated. Here’s a simple path to start:
Book your Discovery Call – we’ll help structure your ask
Submit the intake form and loan docs
Get matched with a vetted private lender
Close your loan and grow your business or portfolio
If you’ve been waiting on a bank, struggling to qualify, or feeling stuck in growth mode, private lending may be the missing key for your business. Whether you're flipping homes, scaling your business, or launching something new—there’s a faster, more flexible path to capital.
At Vault Lenders, we help you unlock your potential with smart funding strategies designed around your goals—not outdated lending rules.
🗝️ Your next level is closer than you think. Let's unlock it.
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