Business Details
10 Years
experience
Private Real Estate Lending Solutions
Vale Capital is a seasoned private money lender specializing in short-term real estate financing solutions. Established in 2016, we operate as an affiliate of OneSource by PCS, a California-based portfolio lender with over $900 million in funded private loans since 2009. Our team comprises highly experienced real estate professionals with decades of expertise in lending, development, and property management. We leverage cutting-edge technology to streamline the lending process while maintaining a commitment to transparency, reliability, and client satisfaction. Our loan programs cater to non-owner occupied residential, multifamily, and commercial properties, offering flexible options including purchase, bridge, fix & flip, rehab, and new construction financing.With a proven track record in complex transactions, we provide asset-based loans up to $2 million and above, with terms ranging from 6 to 36 months. Our unique approach combines competitive rates starting at 8.99% with efficient processing, achieving closings in 7-10 business days. We maintain a broker-protected environment and offer both recourse and non-recourse loan options. Our leadership team brings 31 years of industry experience, having originated over $2.5 billion in multifamily loans through major financial institutions. We serve clients across California and the Western United States, with special consideration for earthquake retrofits and developer-friendly structuring.
Services
Purchase Loans
Bridge Loans
Fix & Flip Loans
Rehab Financing
New Construction Loans
Details
- Year established: 2016
Highlights and features
- 31 years of real estate lending experience from our leadership team
- Fast closings in 7-10 business days with simple documentation
- Competitive rates starting at 8.99% across all loan programs
- Flexible loan structures for complex real estate transactions
- Backed by $900 million in funded private loans since 2009
What people say
Fast closings
Competitive rates
Flexible terms
Expert team
Efficient process
Services
Residential Loans
Vale Capital offers comprehensive residential loan programs including purchase, bridge, cash out, fix & flip, rehab, and new construction financing. Our asset-based approach provides loan amounts starting at $300,000 with loan-to-cost ratios up to 75%. We specialize in fast processing with closings typically completed in 7-10 business days.
Commercial Loans
Our commercial loan programs provide financing for non-owner occupied properties with rates starting at 8.99%. We offer loan amounts starting at $1 million with loan-to-cost ratios up to 85%. Our flexible terms include bridge loans (6-30 months) and mini perm options (3, 5, or 7 years) with developer-friendly structuring.
Fix & Flip Loans
Vale Capital's fix & flip loans combine acquisition and rehab funding in a single transaction. We offer loan amounts starting at $300,000 with rehab funds up to 25% of acquisition cost. Our streamlined process includes first rehab advance at permanent loan closing with competitive rates starting at 8.99%.
New Construction Loans
We provide financing for new construction and major rehab projects with rates starting at 8.99%. Our programs offer loan-to-cost ratios up to 80% and loan-to-value ratios up to 75%. We feature an expedited draw request system and cross-collateralization options for additional liquidity.
Bridge Loans
Our bridge loan programs offer fast and flexible financing solutions with rates starting at 8.99%. Available for 6-30 month terms, these loans provide up to 85% loan-to-cost ratios for commercial properties and 75% for multifamily. We offer no prepayment penalties and easy conversion to construction/rehab loans.
People
William Valentine
President
William Valentine brings 31 years of real estate experience to Vale Capital, including leadership roles at major mortgage banks. He has originated over $2.5 billion in multifamily loans and holds degrees from Stanford and Columbia Universities. His expertise spans commercial, residential, and multifamily lending.
Penny St. John
Director of Transactions
Penny St. John leads transaction management at OneSource by PCS, leveraging 20+ years of real estate finance experience. She specializes in streamlining lending processes through technology while maintaining strict compliance standards. Her background includes senior roles in loan origination and portfolio management.
Questions
What types of loans does Vale Capital offer?
We offer residential and commercial loans including purchase, bridge, fix & flip, rehab, new construction, and mini perm financing options.
How quickly can I get approved for a loan?
Our streamlined process typically closes loans in 7-10 business days with initial quotes provided within 24 hours.
What are your current interest rates?
Rates start at 8.99% for all loan programs, with competitive pricing maintained through our efficient lending platform.
Do you lend outside California?
We primarily serve California but also finance commercial properties across the Western United States.
What loan amounts do you offer?
Residential loans start at $300,000, commercial loans at $1 million, with no upper limit for qualified borrowers.
How experienced is your lending team?
Our leadership team has over 50 years combined experience in real estate finance, including $2.5 billion in multifamily loan origination.
