Find quick answers to common questions about our process, eligibility, and applications.
Vihica Capital is a private, asset-backed lending platform providing structured financing solutions to investors, developers, and business owners. We focus on business and investment-purpose loans secured by real assets or qualifying business collateral.
No. Vihica Capital does not offer consumer or personal-purpose loans. All financing is provided strictly for business or investment purposes.
Credit profile is considered, but our underwriting is primarily asset-focused. There is no universal minimum credit score requirement.
Personal guarantees may be required depending on the transaction structure, asset type, and risk profile. This is determined during underwriting.
Submitting a request or completing an eligibility form allows our team to review key details about your project or financing needs.
This step is not an obligation and does not impact your credit.
Loans are originated and managed by Vihica Capital. For select transactions, capital may be provided by Vihica Capital alongside strategic partners or affiliated entities through dedicated lending vehicles.
Borrowers work with a single lending platform throughout the process.
No. All loans are managed and serviced by Vihica Capital, ensuring a streamlined and consistent borrower experience.
Loan terms, rates, and structures vary based on the asset, risk profile, and transaction complexity. Specific terms are provided through a customized term sheet following review.
Certain transactions may involve origination, diligence, or third-party costs. Any applicable fees are clearly disclosed during the term sheet stage.
Loan availability may vary by jurisdiction and asset type. Please submit a request to confirm availability for your specific transaction.