About
Loans to Borrowers that the banks won't borrow to
VCI Loan Services LLC. has been recognized locally as a major and innovator in business lending and capital investment. Many of Illinois’ leading financial institutions
invest in VCI Loan Services LLC. to help promising companies expand. Since 2008, we have invested more than $500 million in thousands of companies.
Whether you need money to buy a new furnace, finance an upcoming overseas vacation, or looking for a faster way to pay off existing debt,
you’ll find smart, affordable financing options right here at VCI Loan Services LLC.. We’ll have a Taylor-made with you to find the right loan to fit your business needs.
Loan ProgramsReferral PartnersRecent Closings
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Loan Programs
Real Estate Subprime SBA
Business Financing
PPP Loans We offer streamlined stated income,
full and low documentation mortgages for commercial and investment residential property (no personal residences). Low credit,
back taxes,
special-purpose property, and other financing barriers can be considered. Purchase, refinance, renovation, fix-and-flip, and cash-out
loans are available nationwide (geographic restrictions may apply). We provide short-term and long-term mortgages secured by:
Investment Residential 1 to 4 Units, Multifamily 5+ Units, Mixed-Use, Office, Retail, Warehouse, Industrial, Mobile Home Park, Self-Storage,
Automotive, Daycare, Restaurant, Bar, Hospitality, Funeral Homes, Campgrounds, Gas Stations, etc.
- $150,000 to $50 Million
- No Tax Returns Required
- Rates Start at 3%
- Up To 80% LTV
- 1, 3, 5, 15 & 30 Years Fixed
- 15, 25, & 30 Years Amortized
- Interest Only Available
- No Credit Score Minimum
- Foreign Nationals
- Close in 2 to 4 Weeks
- No Upfront Credit Check
Apply Now
If you want to take advantage of low rate SBA financing, but have been turned down by other conforming lenders—then we can help!
As a leading SBA loan intermediary, we’ve closed over $300 million of loans for business owners with poor credit, limited collateral,
low cash-flow, a past bankruptcy or foreclosure, a unique business, special-purpose property, or other issues.
Funds can be used for any business purpose such as to purchase or construct real estate, buy equipment or a business, for working capital, to refinance debt, or
consolidate merchant cash advances. Apply below, you pay no upfront fees and your credit won’t be affected.
- $150,000 to $50 Million
- Rates Start at 6%
- Monthly Payments
- No Prepay Penalty Options
- 10 to 30 Years Amortized
- Any Credit Score
- Most Businesses Eligible
- Unrestricted Working Capital
- 2 Year Min. Time in Business
- Nationwide Program
- No or Low Collateral
- Up to 150% LTV (as little as 5% down on a purchase)
Apply NowIf you need an affordable business loan, but can’t
qualify for an SBA loan or don’t have time to wait for one—then you’ve come to the right place! Apply below through our partner to compare options from
75+ lenders and find the loan that’s right for you.
100,000+ small businesses have already been approved for $8 billion+ in affordable capital to meet payroll, purchase or refinance equipment,
obtain working capital, refinance debt, establish a credit line, or finance accounts receivable. There are no upfront fees and your credit
won’t be affected.
- $100,000 to $100 Million
- Industry Low Rates
- No Prepay Penalty Options
- Short and Long-Term Loans
- Low Credit Minimum
- Most Businesses Eligible
- Unrestricted Working Capital
- Nationwide Program
- For-Profits and Non-Profits
- Non-Recourse Options
- No or Low Collateral
- Receive Funding in Days
Apply NowTo help business owners have the best chance of receiving PPP funding in the next round, we recommend everyone get a head start.
By creating an account now, applying for the next round of PPP loans will be faster and easier.
- Loans up to $10,000,000
- Most Businesses Eligible
- No Collateral Required
- No Personal Guarantee
- No Credit Score Minimum
- 100% SBA Guarantee
- 1% Interest Rate
- Loan Maturity up to 5 Years
- For-Profits & Non-Profits
- Loan Forgiveness Available
- Businesses Must be Open as of 2/15/20
Apply Now
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Recent Closings
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$3,500,000
Hotel Construction Blanket
25 Fixed annual rate
3.50%, Low-Documentation
Yukon, Canada
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$16,000,000
Multi-family/Residential/ Development
30-Year Fixed
4.99%, No Tax Returns
Elgin, IL
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$1,200,000
Single Family Units &
SBA 7(a) Refinance/Debt Consolidation
3%, 25-Year Amortization
Dayton, OH
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$1,825,000
Multi-family/Residential
SBA 7(a) Purchase/Development
6%, 25-Year Amortization
Stone Park, IL
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$3,300,000
Single Family Units Fix & Flip
10/25 Fixed Mortgage
4%, Low-Documentation
Anchorage, AK
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$2,000,000
Luxury Residential Unit
SBA 7(a) Working Capital
Edmonton, Canada
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$1,350,000
Marijuana Growing / Processing Facility
SBA 7(a) Land Purchase/Construction
Colorado Springs, CO
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$700,000
Restaurant, Bar & Grill
SBA 7(a) Debt Refinance/Equipment
Rochester, NY
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$380,000
Driving School / Raw Land
SBA 7(a) Purchase / Reconstruction
Robertsdale, AL
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Team
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Referral Partners
Monetize and track your loan leads! Our referral program includes access to our cutting-edge partner portal with 24/7 lead tracking, a co-branded referral
link, secure file upload, program resources, and competitive referral fees [learn more]…
Get Started
Announcements
VCI Loan Services LLC. Closes a $1,500,000 Retail Strip-Mall Blanket Mortgage:
San Diego, California, UNITED STATES, January 12, 2021 // —
VCI Loan Services LLC., a nationwide, reliable lender providing commercial residential real estate mortgages,
as well as collateralized and uncollateralized business loans, has announced that it has provided a $1,500,000, unsecured loan …
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FAQs
Listed here are the most commonly asked questions about who we are and how we operate. If you have a question that is not found here, please do not hesitate to
contact us and we will be happy to address it.
Is VCI Loan Services, LLC a lender or a broker?
VCI Loan Services, LLC is a licensed lender and broker under Wyoming Financing Law License # 000548698. VCI Loan Services, LLC funds non-conforming commercial, and investment residential loans in markets nationwide.
VCI Loan Services, LLC also functions as a correspondent or preferred origination source for a small group of banks, institutional lenders, investment funds and private finance companies. For SBA
loans, Paycheck Protection Program (PPP) loans, and for other loan types VCI Loan Services, LLC does not fund directly; VCI Loan Services, LLC acts strictly as a loan packager for, or a referral source to, those entities
licensed to lend.
How do I signup as a Referral Partner with VCI Loan Services, LLC?
If you are a lender, mortgage/loan broker, ISO, finance professional or entrepreneur looking to leverage our non-conforming real estate and business loan programs to
increase your revenue, then click here to register and be reviewed for approval as a Referral
Partner (there is no cost to register and it only takes a few minutes). Once approved you will be eligible to receive competitive referral fees on loan closings you referred to us, and
view the status of your referral pipeline 24/7 in our comprehensive partner portal.
I’m a borrower, broker or lender—why should I work with VCI Loan Services, LLC?
If you are a borrower looking for financing in this market, you know the process can be difficult and confusing. VCI Loan Services, LLC is an experienced lender, founded in
2008, with a focus on customer service, transparency and ethical practices. We have always concentrated on providing non-conforming borrowers the most competitive and affordable
loan options, and we have built a reputation as a market leader doing just that (Google us!).
If you are a broker or lender, then you know loan fallout is a costly issue that can be resolved and monetized by the right strategic partner. The loan
programs VCI Loan Services, LLC offers are genuine and they perform. We utilize the latest technology to offer our partners the opportunity to convert their leads and fallout into significant revenue. We
operate as your back-office so that you can focus your effort on what’s most important to you. We offer competitive referral fees, volume incentives, and additional benefits such as co-branded
loan referral links and referral tracking. Once approved you’ll receive access to our innovative partner portal where you can view the status of your referral pipeline 24/7 and manage your
account.
Does VCI Loan Services, LLC charge upfront fees?
Once VCI Loan Services, LLC has analyzed a loan submission and determined its eligibility for financing, a Conditional Financing Approval (CPL) and/or a Letter of Interest (LOI) is issued.
Upon acceptance and signing of the CPL, no upfront fees are required. Upon acceptance and signing of an LOI, the borrower will be required to pay a non-refundable underwriting or appraisal
fee ranging from $0 to $2,500 depending on the loan program applied for. Refunds will not be issued on transactions that do not close because of borrower/broker misrepresentation, cancellation,
delays, inability to meet documentation or information requests, omission or fraud, or due to adverse results of third-party reports. A previously submitted underwriting or appraisal fee will
be returned in the event that a loan does not close due to VCI Loan Services, LLC error or failure to perform as outlined in the LOI.
Does VCI Loan Services, LLC charge loan points and/or fees at closing?
For our commercial real estate loan programs, VCI Loan Services, LLC is usually compensated directly by our investors or from the sale of our loans, thus we do not ordinarily charge the borrower any
excessive points or fees. For SBA, business loans, or loan funded by third-party lenderes, VCI Loan Services, LLC charges market fees. We will always provide a fee quote upfront upon request so there are no surprises
for the broker or borrower.
How long does it take to close a loan with VCI Loan Services, LLC?
It takes approximately 2 to 4 weeks to close a commercial or non-owner occupied residential loan transaction. SBA transactions can take anywhere from 30 to 90+ days.
Does VCI Loan Services, LLC offer loan programs outside of the United States?
We offer loan programs nationwide, and in most domestic primary, secondary and tertiary U.S. markets. We also offer specific business loan programs in all countries subject to our
international loan terms but totally at our discretion.
What collateral will VCI Loan Services, LLC lend against?
Only commercial real estate, 1 to 4 unit non-owner occupied residential properties held (or to be acquired) for investment purposes, businesses and hard business assets
(i.e.; equipment, machinery, etc.) are eligible for financing under our programs. We do not offer financing on owner occupied residential properties, securities or any other types of collateral.
Are Referral Partners, loan brokers, or third parties ever considered representatives, agents or employees of VCI Loan Services, LLC?
VCI Loan Services, LLC has no subsidiaries, parent companies or agents, and only those individuals listed on the VCI Loan Services, LLC website and who have a vciloansllc.com email extension and VCI Loan Services, LLC phone number, are authorized
to transact business for VCI Loan Services, LLC. VCI Loan Services, LLC approved Referral Partners are only authorized to refer VCI Loan Services, LLC eligible borrowers for potential financing, and VCI Loan Services, LLC approved Referral Partners are independent,
third-party individuals and/or companies, are not subsidiaries, agents, or employees of VCI Loan Services, LLC, are not authorized to make representations, or conduct business on VCI Loan Services, LLC’s behalf, nor commit
VCI Loan Services, LLC to any obligation. Any third-party found to be making a claim of affiliation with VCI Loan Services, LLC, a representation or commitment on behalf of VCI Loan Services, LLC, or requesting funds on behalf of VCI Loan Services, LLC, will be viewed
as having committed fraud and be prosecuted to the fullest extent of the law. If you feel you have encountered an individual or entity committing such fraud, falsely issuing documentation on
behalf of VCI Loan Services, LLC, or attempting to collect funds on behalf of VCI Loan Services, LLC, please contact us immediately at info[at]vciloansllc.com.
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Contact
 (847) 801 – 0371
 (530) 638 – 0818
1401 Franklin Blvd,
Libertyville, IL 60048
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