Business Details
10 Years
experience
Trusted Real Estate Lending Solutions
Vintage Capital is a professional real estate lending and investment company that combines traditional values with cutting-edge ideas to create innovative opportunities. With over 30 years of combined experience, our team specializes in providing individualized, fair, and flexible funding solutions for borrowers and development partners across the United States. We prioritize transparency, maintaining an annual audit process, a reputable third-party fund administrator, and a seasoned board of advisors to ensure accountability. Our focus on building long-term relationships and delivering real results has established us as a trusted partner for real estate entrepreneurs, home builders, commercial developers, and private individuals. Unlike conventional hard money lenders, we offer tailored options such as low introductory rates, cost-effective extensions, and discounts for repeat borrowers.Our lending platform emphasizes efficiency, with funding available in 1 to 4 weeks for loan sizes ranging from $500,000 to $10 million. As active participants in real estate development and management, we bring hands-on expertise to every transaction. Our commitment to excellence is reflected in our rigorous underwriting process, which ensures only the most viable loans enter our portfolio. We serve both borrowers seeking reliable financing and investors looking for stable, fixed-income returns secured by real estate assets. Our quarterly distributions and transparent communication underscore our dedication to client satisfaction and long-term value creation.
Services
Acquisition Loans
Development Loans
Construction Loans
Note Purchases
Investment Opportunities
Loan Underwriting
Investor Relations
Portfolio Management
Loan Servicing
Risk Assessment
Details
- Year established: 2016
Highlights and features
- We offer over 30 years of combined experience in real estate lending and investment.
- Our flexible terms include low introductory rates and discounts for repeat borrowers.
- We maintain transparency with annual audits and third-party oversight.
- Our team provides rapid funding, with loans funded in as little as 1 week.
- We specialize in tailored solutions for borrowers and investors in all real estate markets.
Services
Acquisition Loans
Vintage Capital provides acquisition loans for real estate purchases, offering flexible terms and rapid funding. Our loans support borrowers seeking to acquire residential, commercial, or mixed-use properties. With loan sizes from $500,000 to $10 million and terms up to 36 months, we deliver tailored solutions for strategic investments.
Development Loans
Our development loans finance residential and commercial projects, including land entitlement and ground-up construction. We offer loan-to-cost ratios up to 90% and terms aligned with project timelines. Borrowers benefit from our expertise in complex developments and our commitment to timely capital deployment.
Investment Opportunities
Vintage Capital offers investment opportunities in diversified real estate portfolios secured by short-term loans. Investors receive quarterly distributions with projected returns of 7% annually. Our funds emphasize transparency, low fees, and passive income generation through diversified asset allocation.
Loan Underwriting
We conduct rigorous underwriting for all loans, including property valuation, borrower credit analysis, and market risk evaluation. Our process ensures only high-quality assets enter our portfolio, minimizing risk while maximizing returns for borrowers and investors.
Investor Relations
Vintage Capital maintains transparent investor relations through quarterly reports, annual audits, and direct communication. We provide regular updates on fund performance, asset allocation, and market insights to ensure investors remain informed and engaged.
People
Brad Cook
Co-Founder
Brad Cook co-founded Vintage Capital with 14 years of real estate experience. He manages investor relations and underwriting, leveraging his background in property rehab and fund management. He holds a business degree from Weber State University.
Joshua Hunter
Co-Founder
Joshua Hunter co-founded Vintage Capital with Brad Cook. He brings extensive expertise in real estate lending and development, focusing on strategic asset acquisition and portfolio growth. His leadership drives the company's innovative capital solutions.
Questions
What loan types does Vintage Capital offer?
We offer acquisition, development, construction, note purchase, and opportunistic purchase loans with terms from 3 to 36 months.
What are the minimum investment requirements?
The minimum investment is $50,000 for accredited US residents.
How are investments secured?
All investments are secured by deeds of trust on real property, with many loans including personal guarantees.
Do you offer quarterly distributions?
Yes, investors receive quarterly distributions, which can be reinvested if preferred.
Can international investors participate?
No, investments are currently available only to US residents.
What is the loan approval process?
Our process includes detailed underwriting, third-party verification, and rapid decision-making to fund loans in 1–4 weeks.
