Real Estate Businesses.
Embedded lending for real estate. Investment-property financing inside the product a real estate business already runs, under its own brand. The brand generates demand; Vontive fulfills the mortgages.
Embed a new revenue stream.
Customers trust the brand they already transact with and would rather get financing there too. Instead, the mortgage and its revenue go to whichever lender the property owner happens to find.
Vontive runs under the real estate brand as a white-label solution. The customer stays, and the mortgage becomes a revenue stream.
What partners get with Vontive.
Wallet share, expanded
Customers borrow as often as they buy. Each mortgage is new revenue from a customer the brand already has.
White-label products
Mortgage financing for all investments in residential real estate: acquiring and renovating older properties, building new homes, and owning rentals.
Minimal startup costs
An embedded mortgage solution that launches in weeks.
No operations
All loan activities after someone applies handled by Vontive.
Sales leverage
Vontive's expert loan advisors convert demand to closed loans.
Committed capital
Backed by institutional capital partners.
Who Vontive partners with.
Vontive is a solution for any brand that serves with real estate investors, rental property owners, or homebuilders. Mortgage is already part of those customers' transactions—just not yet part of the brand's product.
Marketplaces
A marketplace earns when a transaction closes, and financing is what closes it. Mortgage completes the product the marketplace already sells.
Investor education
A program succeeds when its students buy property. Financing is the step between the lesson and the deal, so mortgage completes the curriculum.
Real estate brokerages
A brokerage's business is the purchase, and nearly every purchase runs on a mortgage. Offering the loan completes the transaction the brokerage already manages.
Wholesalers
A wholesaler earns its fee when the buyer closes, and most buyers need capital to do it. Financing under the wholesaler's brand widens the buyer pool and moves more contracts to closing.
Property managers
A manager's revenue grows with units under management. Financing an owner's next acquisition or refinance grows the manager's own book.
Insurance agencies
Agencies already sell financial protection to property owners. Financing is the second financial product those owners buy, at the same moment and for the same property.
Implementation.
Evaluate the opportunity
The brand and Vontive size the customer base, the cross-sell paths, and the revenue.
Configure and brand
Products, pricing, and the borrower experience are set up in the brand's identity.
Generate demand
The brand markets financing to its customers through its own channels.
Close loans
Vontive originates, funds, and services each loan. The brand earns a revenue share on every funded loan.
Questions.
Common questions about the embedded lending solution are answered.
A referral hands the customer to another brand for a one-time fee, if any. With Vontive, the customer applies inside the brand's product, the brand keeps the relationship, and the brand earns on every funded loan—including the next one.
Inside the brand's product, in the brand's identity. Vontive's platform runs behind it.
Vontive. Licensing, compliance, underwriting, funding, servicing, and credit risk sit with Vontive.
Marketing the financing to its customers. Vontive handles everything from application to payoff.
A revenue share on every funded loan.
The brand. Vontive loan advisors follow up on loan applications and engage real estate investors after their loan closes to develop future business. Vontive coordinates its efforts with the real estate business and does not solicit outside the white-label relationship.
No. Vontive is the licensed lender.
Weeks.