Private Real Estate Lending

When Banks Say No,
We Fund Your Deal.

Veristone Capital is a direct private lender for real estate investors — bridge loans, fix-and-flip, new construction, and more. Close in as little as 48 hours.

$3B+Total Funded
7,500+Loans Closed
48hrsAvg Close Time
2011In Business Since

Sound Familiar?

The Funding Problems Real Estate Investors Face

Conventional financing wasn't designed for investors. If any of these hit close to home, you're not alone.

Banks Rejected Your Deal

Conventional lenders say no to non-standard properties, LLC borrowers, and deals that don't fit a rigid underwriting box. Your opportunity doesn't wait for their answer.

You're Losing Deals to Slow Financing

Traditional loan timelines run 30–60 days. In competitive markets, that means losing to all-cash buyers. The deal is there; the capital isn't moving fast enough.

Your Lender Doesn't Understand Real Estate

When your loan officer has never walked a property or evaluated an ARV, you spend half your time educating them instead of closing deals.

The Veristone Solution

Private Capital Built Around Your Deal

We built Veristone specifically for real estate investors who need speed, flexibility, and a lender who actually understands the deal.

Close in as Little as 48 Hours

Our in-house underwriting and valuation team makes decisions fast — no third-party delays, no hand-offs.

Asset-Based Underwriting

We evaluate the deal and the property — not just your tax returns or W-2. Great deals get funded, even in complex situations.

Interest-Only Payments

Minimize monthly carry while you execute your strategy, whether that's a flip, a lease-up, or a construction timeline.

LLC & Entity Borrowers Welcome

Invest the way smart investors do — through your entity. We work with LLCs, partnerships, corporations, and trusts.

No Prepayment Penalties

Sell early or refinance when it makes sense. We won't penalize you for moving faster than the loan term.

Up to 90% LTV on Fix & Flip

Maximize leverage on renovation projects. Less capital tied up means more deals you can run simultaneously.

Why Veristone

We're Not a Broker. We're the Lender.

Most "private lenders" are middlemen. We make every credit decision ourselves, which means less red tape and faster closings — every time.

We're the Direct Lender

Every credit decision is made in-house by our team. No brokers, no middlemen, no mystery about who's approving your loan. You talk directly to decision-makers.

In-House Valuation & Underwriting

We don't rely on third-party appraisals to slow down your deal. Our team handles valuation internally — faster decisions, fewer surprises.

$3B+ Funded Since 2011

Over 7,500 loans closed. We've seen every deal type, every market condition, and every borrower situation. That experience shows up in how we handle your deal.

No Runaround. Real Answers.

You'll hear from a real loan officer — same day. We give you honest feedback on your deal and real terms up front, not a bait-and-switch after weeks of review.

No Obligation · No Credit Pull

Close Your Next Deal in 48 Hours

Submit your deal details and a loan officer will follow up with a custom term sheet — same day.

Is This Right for You?

Veristone Is Built for Serious Investors

We work best with experienced investors and developers who need reliable capital to move quickly. If any of the below describes you, let's talk.

You're an experienced real estate investor or developer
You have a deal under contract or actively searching
You need to close quickly — days, not months
You invest through an LLC or other entity
Banks have turned down your deal or can't move fast enough
You're doing fix-and-flip, bridge, construction, or land
You want a lender who understands deals, not just credit scores
Your project is $100K–$5M in loan size

Not sure if you qualify? Submit your deal.

Our team reviews every deal individually. Even if you're earlier in your investor journey, we're happy to talk through your options — no obligation.

Check My Deal

Loan Programs

Financing for Every Strategy

Bridge Loans

Short-term acquisition financing. Move quickly, close in days, and transition to permanent financing on your timeline.

Rate9–12%
Max LTV75%
Term12–24 months
Property Types
Single FamilyMulti-FamilyCommercial
  • Close in 48 hours
  • No prepayment penalty
  • Cash-out options

Fix & Flip Loans

Buy, renovate, and sell with funding that covers acquisition and rehab costs — based on the deal, not just your credit.

Rate9–12%
Max LTV90%
Term6–18 months
Property Types
Single FamilyCondoTownhouse
  • Up to 90% LTV
  • Interest-only payments
  • No income verification

Construction Loans

Ground-up construction financing with draw-based funding aligned to your build schedule — for residential and commercial projects.

Rate9–12%
Max LTV80%
Term6–24 months
Property Types
Single FamilyMulti-FamilyMixed Use
  • Draw-based funding
  • In-house inspections
  • Completion guarantees accepted

Get Your Custom Rate Quote

Fill out the form below and a loan officer will follow up with you shortly.

Is this loan for an owner-occupied property?

Direct Lender · Fast Closings · Flexible Terms

Ready to Close Your Next Deal?

Fill out the form above or call us directly. Whether you have a deal under contract or are still evaluating an opportunity, our team is ready to help.

Submit Your Deal

© 2026. All rights reserved.

Oregon Mortgage Broker License #5288. Idaho Mortgage Broker License #8640. Veristone Capital operates as Veristone Mortgage NWMLS: 1106440 in Oregon and Idaho. Investment loans made or arranged pursuant to these state licenses. This site is not authorized by the respective state departments of financial services for any other states.