When timing matters, traditional financing often falls short. Business owners and real estate investors need fast access to capital to stay competitive—and that is exactly what a Business Purpose Cash-Out Loan from Mortgage Vintage, Inc. delivers.
Unlike bank lines of credit or Home Equity Lines of Credit (HELOCs) that require extensive income documentation and long lead times, our cash-out loan program is designed for speed and simplicity. By leveraging equity in California real estate, clients can access capital quickly—often in a matter of days—to take advantage of time-sensitive business opportunities.
How Does It Work?
Funds can be drawn from owner-occupied or non-owner-occupied properties for legitimate business or investment purposes. Loan amounts range from $60,000 to $3.5 million+, with flexible terms between one and three years. These are equity-driven loans, meaning we focus on the equity in the asset—not the income or Credit. There are no tax returns required, and approvals move quickly.
Explore our Business Purpose Cash-Out Loan program →
Real Clients. Real Results.
Private Money Investors and the corresponding borrowers both benefit from these Business Purpose Cash Out loans. Lenders receive a secured, high yield paid out monthly and borrowers gain needed cash for their business or investment. These loans provide fast, reliable access to capital when it is needed most, helping entrepreneurs and investors act on time-sensitive opportunities.
A real estate investor in Buena Park came to us needing fast capital to secure a discounted bulk inventory purchase. Mortgage Vintage and CrowdTrustDeed funded a $210,000 second trust deed against their single-family residence at 55.14% Combined Loan to Value (CLTV). With funding in hand in just a few days, the investor was able to buy the inventory and immediately boost their profit margins.
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In San Juan Capistrano, another investor used a $210,000 second position loan at 56.09% CLTV to cover renovation costs and holding expenses on an existing investment property asset. Quick access to funds kept the project moving forward and helped them maintain their timeline for resale.
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A business owner in Desert Hot Springs needed to renovate and rebrand a Commercial property in time for the busy season. They had substantial equity but limited time and documentation. We delivered a $1.3M First Trust Deed loan at just 30% LTV, providing the capital needed to complete the improvements and ramp up marketing efforts without delay.
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In Laguna Beach, a borrower tapped into their home’s equity to cover startup costs for a new business venture. We structured a $575,000 Second Trust Deed loan at 57.55% CLTV, allowing them to move forward without waiting on traditional financing. They appreciated the speed and simplicity of the process and were able to stay focused on building their business.
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The Bottom Line
When opportunity knocks, slow funding should not stand in the way. A Business Purpose Cash-Out Loan offers speed, flexibility, and a clear path to capital—helping you stay agile in a competitive market. Whether you need working capital, are launching a business, or are scaling your real estate investments, this type of loan can be the bridge between a good idea and a successful outcome.
Ready to move quickly? Call Sandy MacDougall at Mortgage Vintage, Inc. at 949.632.6145, sandy@mortgagevintage.com or fill out the contact us form on the link below:
See how a Business Purpose Cash-Out Loan can work for you.