Why we underwrite in-house (and why it matters to you)
No rubber stamps. The upside — and the discipline — of doing every review ourselves.
AVCG underwrites every borrower and every property in-house. No third-party approvals, no rubber stamps, no outsourced credit committees. That's a deliberate choice — and it's what makes attractive investor returns credible.
Consistency
In-house means the same six-step review is applied to every deal. A borrower's second loan gets the same scrutiny as their first. Nothing gets skipped because a broker vouched for it.
Speed without sacrifice
Because our team owns underwriting end-to-end, we can move quickly — first response within 24 hours, term sheet within a week, closing in as little as 7–14 days. That speed doesn't come from cutting corners; it comes from cutting handoffs.
The value of a no
We decline more deals than we fund. That's a feature, not a limitation. Every declined deal is one that didn't pass the six-step review — and that's a deal that never touches investor capital.
Investor returns are only credible if the capital behind them is safe. In-house underwriting is how we make sure it is.
What it means for you
You get transparency into how your capital is deployed and confidence that the same standard is being applied every time. That's the difference between a private banking relationship and a black-box fund.
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