DIRECT LENDER IN VERMONT

Speed Is Your Advantage

Onyx Capital Lending deploys direct private capital across Vermont. We provide real estate investors, builders, and developers with agile liquidity, common-sense underwriting, and decisive closings.

Or call (401) 329-9904 for immediate assistance

STRATEGIC CAPITAL DEPLOYMENT

Why Investors Choose
Hard Money

Traditional institutional banking is optimized for consumer stability, resulting in 45-to-60 day underwriting timelines, rigid global cash-flow metrics, and extensive committee approvals. In Vermont's constrained, low-inventory real estate market, conventional financing bottlenecks cost real estate operators their most lucrative acquisition targets.

Hard money is specialized asset-based bridge capital secured directly by the underlying real property equity and project feasibility. By bypassing bureaucratic red tape, sophisticated sponsors unlock cash-equivalent transaction speed, presenting clean, non-contingent offers that outmaneuver conventional buyers.

  • Asset-Centric Underwriting: Approvals structured primarily on property intrinsic value and post-renovation equity rather than personal tax returns.
  • Competitive Bidding Dominance: Enables non-contingent, rapid-closing contracts that position your bids on par with all-cash buyers.
  • Tailored Capital Velocity: Seamless draw schedules and bespoke liquidity structures aligned with aggressive project milestones.
Architectural blueprints and precision real estate planning documents representing Vermont commercial and residential asset evaluation

PORTFOLIO CAPITAL SOLUTIONS

Precision Loan Programs

Direct institutional capital engineered specifically for Vermont real estate investors, developers, and asset managers requiring speed, certainty, and execution.

FOR RENOVATORS

Fix & Flip

Rapid financing engineered for acquisition and complete property value-add repositioning across Vermont markets.

  • Up to 90% Purchase / 100% Rehab
  • 10-Day Closing Capability
  • 12 to 18 Month Flexible Terms
  • Zero Prepayment Penalty

SHORT-TERM GAPS

Bridge Loans

Immediate liquidity to secure off-market opportunities, recapitalize active assets, or bridge to permanent debt.

  • Up to 75% As-Is Asset LTV
  • Interest-Only Payment Options
  • Expedited Asset-Based Underwriting
  • Non-Recourse Structures Available

LONG-TERM HOLDS

DSCR / Rental

Scalable rental portfolio financing based strictly on property cash flow without personal tax return underwriting.

  • No Personal Income Verification
  • Up to 80% LTV on Refinance / Purchase
  • 30-Year Fixed Rate Terms
  • 1-4 Units, Multifamily & Portfolios

FOR DEVELOPERS

New Construction

Comprehensive construction facilities providing land acquisition and stage-based vertical build disbursement.

  • Up to 85% Loan-to-Cost (LTC)
  • Seamless 48-Hour Inspection Draws
  • 18 to 24 Month Construction Terms
  • Single-Family Infill & Spec Subdivisions

INSTITUTIONAL LENDING STANDARDS

Terms Built For Speed

Direct balance sheet execution with zero bureaucratic friction. We evaluate real estate equity, property viability, and sponsor execution.

$5M
LOAN AMOUNTS
$75K–$5M+

Scalable capital structures customized for single assets or multi-property portfolios across Vermont.

10D
DAY CLOSING
10–14 Days

Rapid in-house underwriting, streamlined title clearance, and guaranteed closing timelines.

90%
MAX LTC
Up to 90%

Maximized leverage to preserve liquidity, funding purchase and up to 100% of verified renovation costs.

Underwriting Advantage: No W-2 or Tax Returns Required • Asset-Backed Decisions

Professional real estate developer reviewing building plans on site in Vermont

QUALIFIED BORROWERS

Capital For Professionals

Onyx Capital Lending deploys discretionary balance-sheet capital directly to market operators. You negotiate directly with decision-makers with zero broker intermediaries, zero syndication friction, and zero outsourced committee delays.

  • Real Estate Investors: Operators scaling residential, multi-family, and commercial assets requiring immediate certainty of execution.
  • Custom Builders & General Contractors: Established builders needing dependable ground-up capital and swift draw inspections.
  • Residential Developers: Sponsors acquiring value-add subdivisions, infill projects, and major rehabilitation opportunities.
  • Direct Capital Access: Work directly with the principals funding your balance sheet, eliminating broker fees and delays.

Direct balance sheet lender • In-house approvals & underwriting

DIRECT VERMONT BALANCE-SHEET LENDER

Secure Your Capital Today

Accelerate your next acquisition or construction project with direct funding, decisive underwriting, and closings in as few as 5 to 10 business days.

Or call our direct line at (401) 329-9904

24-Hour Term Sheets • Direct Balance-Sheet Capital • Local Vermont Expertise