Your deal gets funded by someone who has real capital on the line — not a fund manager playing with other people’s money. Every dollar deployed is personally secured, first-lien recorded, and stress-tested before the wire goes out.
EMD, bridge, fix-and-flip, and portfolio financing — funded in days, not months.
Flexible financing for every stage of your real estate deal
Secure properties under contract with earnest money deposit funding. Get your deal locked up fast.
Short-term capital for double closings and bridge financing. Close the gap between buy and sell.
Long-term financing for rental acquisitions, value-add projects, and refinance staging.
From application to funding in as little as 48 hours
Complete our simple application with your deal details and documentation
Your deal runs through our 5-agent AI analysis council and Six Sigma-backed underwriting — scored in hours, not weeks
Receive clear terms — rate, duration, payment schedule, and requirements
Sign the agreement, wire goes out. First position lien recorded. You close your deal.
Real capital deployed into real deals — every dollar tracked, every lien recorded
All deals are first-position lien secured. Borrower details anonymized for privacy.
Get Funding Like This →Every dollar tracked. Every lien recorded. All loans secured by first-position liens on real estate.
Zero principal loss. Zero late payments. Every loan underwritten with a Six Sigma-backed process and scored by our 5-agent AI deal analysis council before a single dollar moves.
I've done 4 loans with Kevin now. What sets him apart is how he handles the complexity. On one deal we had 3 different title companies involved with a complicated loan structure — Kevin broke it all down and satisfied every title company with clear explanations. No lender I've worked with operates at that level of detail and professionalism.
Greg Cole
Real Estate Investor & Repeat Borrower — 4 Funded Deals
Built by investors, for investors
Decisions in hours, funding in days. We don't have the bureaucracy of banks. When your deal is ready, we move.
Every deal is different. We structure terms that work for your specific situation — not a one-size-fits-all template.
Clear terms, no hidden fees, no surprises. You know exactly what you're getting before you sign anything.
Six Sigma-backed underwriting, 5-agent AI deal analysis council, and $759K+ personally deployed. We understand your deals because we do them ourselves.
Not a bank. Not a fund. A practitioner who deploys personal capital.
I don’t just lend — I invest. Every dollar I deploy is personal capital, managed with the same Six Sigma rigor I’ve applied in 20+ years of manufacturing and operations. My Six Sigma-backed underwriting runs through a 5-agent AI deal analysis council and a PDCA quality framework. Risk isn’t managed by intuition here — it’s managed by process.
Most private lenders underwrite on instinct. I underwrite on process. With 20+ years as a Six Sigma Black Belt in manufacturing and operations, I built Vizion Capital on the same quality frameworks that run production floors — Plan-Do-Check-Act, applied to every deal, every dollar, every risk decision. My Six Sigma-backed underwriting runs through a 5-agent AI deal analysis council — not gut-powered. Every loan is stress-tested before a wire goes out. I borrow against my own whole life insurance policies at 5.5% and deploy at 12-15%, keeping the spread — which means I only fund deals I would put my own money into. Because I do. $759K+ personally deployed across 2 first-lien deals. Zero defaults. Zero late payments. No outside fund. No investor pool. Every dollar on the line is mine. That changes how you think about risk. That is why borrowers trust me and capital partners align with me. Process over promises. First Position. Always.
Need capital for your next deal? Apply in 5 minutes. AI-scored analysis means faster decisions — no weeks of back-and-forth with a loan committee.
Apply for Funding →Deploy capital into first-lien secured real estate notes. 12-15% returns. Every deal stress-tested with Six Sigma-backed underwriting and our 5-agent AI analysis council before a dollar moves.
Partner With Us →Apply in minutes. Get a response within 24 hours. Close your deal on schedule.
Everything you need to know about working with Vizion Capital
We run three loan programs built for real estate investors at every stage. EMD Funding ($2K–$20K, 30–60 days) locks up your deal fast. Bridge / Double Close ($20K–$500K, 6–24 months) gets you short-term capital to close the gap between buy and sell. Portfolio / PML ($100K–$1M+, 2–5+ years) handles long-term financing for rental acquisitions, value-add projects, and refinance staging. Every deal is first-lien secured with terms structured to your situation — not a template.
Rates range from 12% to 15% annually, depending on the deal’s risk profile, loan-to-value ratio, and your experience as a borrower. Lower LTV and stronger track records earn better terms. I price every deal individually — there’s no one-size-fits-all rate sheet. Clear terms up front, no hidden fees, no surprises. You know exactly what you’re paying before you sign.
Every Vizion Capital loan is secured by a first-position lien on real property. That means my note is recorded first at the county — ahead of any other lender. I never take a second-position or subordinated lien. Period. This protects my capital and ensures I can act decisively if a deal goes sideways. It’s also why I have zero defaults: I only fund deals where the collateral is strong enough to hold first position with confidence.
Speed depends on the loan type. EMD deals can fund same day — you need earnest money locked up, I move. Bridge loans typically close in 5–10 business days once docs are in. Portfolio / PML deals take 2–4 weeks because they involve deeper due diligence. There’s no loan committee, no bureaucracy. I evaluate every deal personally, so when your deal is ready, I’m ready.
I keep it straightforward. FICO 600 or above. Loan-to-value under 90%. No active bankruptcy. Debt-to-income ratio under 50%. If you clear those four gates, your deal gets a full evaluation. I underwrite the deal first and the borrower second — strong collateral and a solid plan matter more than a perfect credit score. Every deal runs through our 5-agent AI deal analysis council and Six Sigma-backed underwriting before a dollar moves.
Right now I’m focused on Michigan and the surrounding Midwest markets. That’s where my portfolio is, where I know the comps, and where I can move fastest. I evaluate every deal on its own merits, so if you’ve got a strong opportunity in a nearby market, bring it — I’ll take a look. But Michigan is home base, and that’s where I can add the most value beyond just capital.
Head to the application page and fill out your deal details — takes about 5 minutes. You’ll get a confirmation email immediately, and I personally review every submission within 24 hours. If you prefer to talk first, email me at kevin@vizioncapital.capital and we’ll set up a call. No gatekeepers, no runaround — you deal directly with me.