Vontive Transforms Private Credit Real Estate with AI & Automation

Vontive, a tech leader in business-purpose mortgages, has unveiled groundbreaking AI-powered data products designed to automate and scale private credit in investment real estate. Coupled with a new equity investment from Citi and a $150 million revolving securitization, Vontive is cementing its position as a transformational force in the mortgage and private credit space.

Reshaping Real Estate Lending with AI and Automation

1. Why Now? Market Timing and Opportunity

• Yield spreads on traditional bonds are tightening.
• Private credit is forecasted to reach $2.8 trillion by 2028.
• Vontive’s automation meets the urgent demand for scalable, data-driven credit solutions.
• Supports real estate investment amid a growing housing shortage.

Innovations Powering the Private Credit Flywheel

2. AI-Powered Document Processing

• Parses and processes hundreds of PDF documents at 95%+ accuracy.
• Extracts critical data (e.g., from tax certificates, contracts).
• Performs real-time mathematical reasoning to ensure precision in underwriting and pricing.
• Feeds insights directly into the core Vontive platform.

3. Loan Catch: Automated Quality Assurance

• Constantly validates data against thousands of criteria in every loan.
• Replaces manual review with real-time alerts for inconsistencies.
• Particularly effective for handling edge cases with complex terms.

4. Loan Match: Intelligent Loan Program Matching

• Encodes pricing as multidimensional surfaces.
• Automatically finds the best-fit loan program for each borrower.
• Incorporates new provider pricing via API while preserving historical policies.

5. Construction Draw & Servicing Modernization

• Uses virtual video calls for construction inspections.
• Eliminates delays from in-person visits.
• Ensures end-to-end continuity through Vontive’s in-house servicing.

Data Backbone and Market Impact

6. Forecasting + Servicing + Standardization = Scale

• Analyzes trends across 10,000 U.S. ZIP codes.
• Enables investors to access high-yield credit assets with lower delinquency.
• Helps real estate entrepreneurs access faster capital for renovations.
• Provides institutional investors uncorrelated yield with confidence.

Strategic Momentum and Industry Validation

7. Backed by Citi & Scaling Fast

• Raised equity investment from Citi.
• Secured first $150 million revolving securitization.
• Named to Deloitte’s Fast 500 list for three years running.
• Doubled account base and workforce in the past year.

“Our innovations don’t just automate — they reveal opportunities hidden in data,” said CTO Shreyas Vijaykumar.

“This is about radically simplifying private real estate credit to unlock growth and reduce risk,” added CEO Charles McKinney.

The Future of Private Credit is Here

Vontive’s platform transforms the way capital flows into real estate. By building a standardized, AI-driven infrastructure, the company is empowering real estate entrepreneurs and institutional investors alike. This is not just innovation—it’s a redefinition of how private credit operates in the mortgage market.