VaultEdge is a licensed digital lending institution providing consumer credit, SME commercial financing, and mortgage refinancing with institutional-grade risk governance.
Founded in San Francisco in 2012, VaultEdge set out to replace opaque banking bureaucracy with automated, fair-lending underwriting. Today, we have originated over $3.8 billion in credit facilities across 30+ jurisdictions while maintaining strict adherence to SEC disclosure norms and global FinTech compliance standards.
To deliver frictionless, fair-priced credit to qualified individuals and growing enterprises through transparent digital underwriting and zero hidden fees.
To set the global benchmark for regulated digital lending — combining instant liquidity access with institutional risk discipline and borrower protection.
Full Truth-in-Lending Act (TILA) compliance, Equal Credit Opportunity governance, and responsible debt-to-income underwriting across every credit product.
Seasoned credit officers, quantitative risk architects, and regulatory compliance leaders from top global financial institutions.
Approved Borrowers
Total Loans Funded
Jurisdictions Licensed
FinTech Excellence Awards