Real estate credit.Precision engineered.
The credit that finances homebuilders, real-estate investors and rental-property owners runs on unstructured data and manual processes. Vontive replaces it with code.
How Vontive works.
Vontive unifies software and capital to manufacture business-purpose mortgages. Four capabilities power the system.
White-Label Products
Partners offer mortgage under their own brand launching with zero startup costs and creating a new revenue stream with repeat customer engagement.
Common Data Foundation
Pricing, origination, due diligence, and risk management all flow from a common data foundation, so every loan carries complete, accurate data from source through payoff.
Agentic Underwriting
AI gathers documents, verifies data, executes SOPs, and analyzes every dimension of a loan. Human experts supervise the work and make every credit decision. Software audits every element for compliance.
Capital Integration
Every loan is built to institutional standards, serviced to manage risk, and delivered through compliant structures capital allocators know and trust.
Trusted by thousands of borrowers.
Single Family | Bridge
Short-term financing to acquire, renovate, and reposition single-family investment properties.
Single Family | Build
Construction financing for experienced builders, from individual homes to phased residential developments.
Single Family | Rental
Long-term financing for cash-flowing residential properties including traditional rentals, vacation rentals, and single-family portfolios.
Single Family | Equity
A revolving line of credit that taps the equity in investment properties.
Multifamily | Value Add
Short-term financing to acquire and reposition multifamily and mixed-use residential properties.
Multifamily | Small Balance
Long-term financing to acquire or refinance stabilized rental properties with 5–10 units.
Who Vontive serves.
Capital Allocators
Predictable yield. Loan-level transparency. Real estate debt manufactured for institutional capital.
Private Lenders
Scale originations and expand products without balance-sheet risk or fixed operating cost. Private lenders originate in their own name; Vontive approves, funds, and services the loans.
Conventional & Non-QM
Expand to business-purpose mortgage. Vontive provides the technology, capital, and fulfillment to launch in weeks.
Real Estate Businesses
Embedded lending, white-labeled and fully compliant. Real estate businesses generate the demand; Vontive fulfills the loans.
Banks & Credit Unions
Cross-sell business-purpose real estate credit to depositors and members. Full balance sheet control on every loan.