Private Credit · Residential Real Estate
Senior first-lien loans from $100K to $12M for ground-up construction, fix & flip, and bridge — with 10 to 15-day credit decisions across the Central and Eastern Sunbelt.
Talk to Vertian/01Who we are
Vertian Capital originates, underwrites, and finances short-term loans for residential real estate developers and investors — combining proprietary AI- and tech-assisted credit underwriting with hands-on construction expertise.
Loan Size
$100K – $12M
Term
9 – 24 months
Lien Position
Senior First-Lien
Markets
Central & Eastern Sunbelt
/02Programs
Three programs designed around how residential real estate actually gets built, repositioned, and resold across the Sunbelt.
Senior First-Lien
Financing for new residential development, from foundation to completion. Monthly milestone draws, backed by inspection. Suitable for experienced builders on projects up to $15M.
Senior First-Lien
Acquisition and renovation capital for experienced operators targeting quick resale. Emphasis on markets with strong demand and proven borrower track record.
Senior First-Lien
Short-term liquidity for fast closings ahead of permanent financing. Speed and certainty of execution are the primary value we deliver in this product.
All loans are senior first-lien. Rates and terms subject to credit approval.
/03Approach
Vertian rejects manual underwriting, spreadsheets, and informal judgment. We use 16 AI-agent assisted workflows to systematize credit analysis, accelerate decisions, and ensure consistent, defensible outcomes.
Combined with construction expertise from a team that has personally developed 100+ residential units in South Florida.
/06Track Record
Six years of senior first-lien capital deployed alongside residential developers across the Sunbelt — every loan structured, drawn, and stewarded by the team you work with directly.
* Track record reflects the founding team's origination history at prior firms (2019–2025). Past performance does not guarantee future results.
We back builders — not just deals.
Vertian Capital · Founding Principle
/09Markets
Vertian Capital lends across the Central and Eastern Sunbelt — markets we underwrite deeply, not nationally. Specific state availability is shown in our footer disclosures.
Coverage
Central & Eastern Sunbelt
Roots in South Florida
Personally developed and sold across South Florida.
Active States
5 markets
Region
Central & Eastern Sunbelt
Loan Size
$100K – $12M
Term
9 – 24 months
Lien Position
Senior First-Lien
Specific state availability and licensing details are disclosed in our footer.
Get In Touch
Term sheets typically issued within 3 to 5 business days.
Talk to Vertian
