Transparent Financial Solutions

Tailored Credit Facilities for Individuals & Businesses

Competitive APR from 4.5%, transparent fee schedules, and tailored repayment tenure designed around your cash flow.

Consumer Credit Division

Personal Installment Loans

Unsecured consumer credit from $1,000 to $50,000 with fixed monthly installments over 12 to 60 months, instant digital underwriting, and zero prepayment penalties.

Fixed APR Range 5.99% – 12.49%

Unsecured Personal Term Loan

Flexible lump-sum financing for major life milestones, medical expenses, or home improvements without collateral requirements.

Facility Limit $1,000 – $50,000
Repayment Tenure 12 – 60 Months
  • 100% unsecured — no asset pledge required
  • Soft-pull pre-check with zero credit impact
  • Same-day ACH direct bank disbursement
Calculate & Apply
Fixed APR Range 6.49% – 11.99%

Debt Consolidation Facility

Refinance multiple high-interest revolving credit card balances into a single predictable installment with lower interest costs.

Facility Limit $5,000 – $50,000
Repayment Tenure 24 – 60 Months
  • Direct creditor payoff settlement option
  • Locked fixed rate — immune to rate hikes
  • Zero origination or early payoff fees
Calculate & Apply
Fixed APR Range 6.99% – 13.50%

Express Emergency Liquidity

Rapid-response personal credit line engineered for urgent liquidity needs with automated 15-minute underwriting approval.

Facility Limit $1,000 – $25,000
Repayment Tenure 12 – 36 Months
  • Priority instant digital verification
  • Real-time FedNow / RTP instant funding
  • Transparent amortization schedule
Calculate & Apply
Commercial & Enterprise Credit

SME Commercial & Working Capital Financing

Scalable commercial credit facilities up to $500,000 tailored for small and medium-sized enterprises — covering working capital, capital expenditure, and revolving liquidity.

Commercial APR 5.25% – 10.75%

Working Capital Term Loan

Fuel operational expansion, inventory procurement, and payroll scaling with structured multi-year business term financing.

Credit Limit $25,000 – $500,000
Repayment Tenure 12 – 60 Months
  • Cash-flow-based underwriting model
  • No equity dilution or board covenants
  • Dedicated commercial relationship officer
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Revolving APR 5.75% – 11.90%

Revolving Business Credit Line

On-demand commercial liquidity that replenishes as you repay — pay interest solely on drawn funds to bridge receivables gaps.

Revolving Limit $15,000 – $350,000
Draw Window 24 Months Renewable
  • Unlimited drawdowns via corporate portal
  • Interest charged only on utilized balance
  • Automated credit limit step-ups
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Equipment APR 4.85% – 9.50%

Equipment & CapEx Financing

Acquire industrial machinery, commercial fleets, or enterprise technology infrastructure with Up-to-100% LTV asset-backed financing.

Facility Limit $20,000 – $500,000
Repayment Tenure 24 – 72 Months
  • Financed equipment serves as primary collateral
  • Section 179 tax depreciation eligibility
  • Direct vendor invoice settlement
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Real Estate & Property Lending

Mortgage Refinance & Home Equity (HELOC)

Institutional-grade fixed and variable rate mortgage refinancing and home equity credit lines engineered to optimize your real estate capital structure.

Fixed APR From 4.50% – 6.85%

Fixed-Rate Mortgage Refinance

Lower your existing mortgage interest rate or shorten your amortization schedule with predictable 15-, 20-, or 30-year fixed terms.

Loan Amount $100K – $2.5M
Amortization 15 / 20 / 30 Years
  • Rate-lock guarantee for 45 days upon pre-approval
  • Digital appraisal & remote e-closing
  • Eliminate private mortgage insurance (PMI)
Calculate & Apply
Variable APR From 4.75% – 7.40%

Home Equity Line of Credit (HELOC)

Unlock up to 85% combined loan-to-value (CLTV) from your property equity with a flexible 10-year draw period and fixed-rate conversion options.

Credit Line $25,000 – $500,000
Max CLTV Up to 85% Equity
  • Interest-only payment option during draw period
  • Preserve your low-rate first mortgage
  • Zero annual maintenance fees
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Hybrid ARM APR 4.55% – 6.95%

Cash-Out & Commercial Refinance

Recapitalize residential or commercial investment properties with competitive 5/1 and 7/1 Adjustable-Rate Mortgages (ARM).

Facility Limit $150K – $3.0M
Rate Structure 5/1 or 7/1 Hybrid ARM
  • Tax-efficient liquidity for property renovations
  • Capped periodic rate adjustments
  • Expedited title & escrow coordination
Calculate & Apply
Underwriting FAQ

Frequently Asked Credit Questions

Have questions about APR tiers, credit score impact, or underwriting documentation? Contact our lending desk for priority assistance.

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Does checking my loan rate affect my FICO credit score?
No. Our initial eligibility pre-check utilizes a soft credit inquiry, which has zero impact on your credit score. A hard credit pull only occurs when you formally sign and submit your final loan agreement.
How quickly are approved loan funds disbursed?
Personal and express credit facilities approved before 2:00 PM PST qualify for same-day direct ACH disbursement. SME commercial and mortgage refinance facilities close within 2 to 7 business days.
Are there any origination fees or early repayment penalties?
VaultEdge charges zero hidden origination fees and zero prepayment penalties across all personal and SME installment facilities. You may pay off your principal early at any time to save on interest.
How is my fixed APR determined?
Your APR is underwritten based on your credit profile, verified debt-to-income (DTI) ratio, requested loan amount, and repayment tenure, ranging from 4.5% APR for prime borrowers.