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§ Private Profile · San Francisco, CA, USA
Vontive is a technology company.
Vontive provides an embedded mortgage platform for investment properties, offering a no-code, white-label solution for businesses to launch their own mortgage products. The platform modernizes real estate financing by orchestrating technology, products, and capital, integrating data analysis and artificial intelligence for underwriting and risk management. This allows partners to rapidly deploy and manage offerings.
The company was founded in November 2017 by Charles McKinney, CEO, and Shreyas Vijaykumar, CTO. McKinney, a former Freddie Mac executive, and Vijaykumar, an early Palantir engineer, were inspired by a data-driven approach used to address Freddie Mac’s credit losses. They applied this methodology to transform the fragmented investment real estate financing market.
Vontive serves B2C brands and financial institutions catering to real estate investors. Its vision is to establish connective tissue for investment real estate financing, providing a digital conduit that simplifies capital allocation. The platform empowers partners to deliver thoroughly underwritten credit assets, fostering a more accessible ecosystem for investment properties.
Vontive has raised $310.0M across 3 funding rounds.
Vontive has raised $310.0M in total across 3 funding rounds.
Vontive has raised $310.0M in total across 3 funding rounds.
Vontive's investors include Lee Smallwood, Ryan Orley, Trae Stephens, 8VC, Godfrey Capital, Goldcrest Capital, LeFrak, Nine Four Ventures, Village Global, XYZ Venture Capital, Zigg Capital.
Vontive has raised $310.0M across 3 funding rounds. Most recently, it raised $150.0M Debt in June 2025.
| Date | Round | Lead Investors | Other Investors | Status |
|---|---|---|---|---|
| Jun 1, 2025 | $150M Debt Financing | LEE Smallwood | — | Announced |
| Apr 7, 2022 | $135M Debt Financing | Ryan Orley | Trae Stephens, 8VC, Godfrey Capital, Goldcrest Capital, Lefrak, Nine Four Ventures, Village Global, XYZ Venture Capital | Announced |
| Apr 1, 2022 | $25M Series B | — | Zigg Capital | Announced |
Vontive is a technology company building an embedded mortgage platform for investment real estate, enabling B2C brands serving real estate investors to launch white-label mortgage businesses in weeks using a no-code, bolt-on solution.[1][2][3] It addresses a fragmented, underserved $1 trillion annual market for investment-property mortgages, which represent 24% of U.S. housing, by integrating technology, products, and capital for streamlined origination, underwriting, and servicing through digital experiences.[1][2][4] Vontive serves retail partners (brands like those trusted by investors) and capital partners (financial institutions), solving pain points like manual processes, risk assessment, and liquidity barriers with AI-driven data integration, achieving a 94% conversion rate from offer to closed loan.[2][3][4] The company recently emerged from stealth with a Series B round led by Zigg Capital, backed by Founders Fund, 8VC, and others, signaling strong growth momentum.[1]
Vontive's idea originated a decade ago from a collaboration between Freddie Mac and Palantir during the U.S. housing crisis, where Palantir built data integration to price ~400,000 residential properties for real estate investors and reduce credit losses.[1] Four years prior to its public debut, the team began developing an end-to-end mortgage technology platform in stealth for business-purpose, investment-property mortgages, foreseeing data-science modernization of a $ hundreds-of-billions industry where investors own ~15% of 1-4 unit U.S. residential properties.[1]
The company was founded by a team with expertise in technology, underwriting, data products, capital markets, and marketing: Charles McKinney (Co-Founder, CEO), Shreyas Vijaykumar (Co-Founder, CTO), Danielle Rivas (Underwriting), Eric Lam (Engineering), Wolf Rendall (Data Products), Henry Indvik (Capital Markets), and Mario Jobbe (Marketing).[3] This diverse background drove early traction, culminating in the public launch announced alongside Series B funding.[1]
Vontive rides the embedded finance trend, embedding specialized mortgage capabilities into real estate investor brands to consolidate market share in a traditionally offline, fragmented sector handling $1 trillion in annual originations and $8 trillion in property value.[1][2] Timing aligns with rising investment real estate demand (15-24% of U.S. housing stock), post-crisis data modernization needs, and AI advancements for underwriting—extending Palantir-like approaches to scale liquidity and decision-making.[1][4]
Market forces favoring Vontive include regulatory pressures on traditional lenders, demand for digital experiences, and capital constraints in non-qualified mortgages (non-QM), which its platform unlocks via risk-transparent assets.[2][4] It influences the ecosystem by pioneering "transformational finance" for investors, enabling brands to deepen relationships, generate recurring revenue, and bridge borrowers to institutions—potentially disrupting cash-flow-focused incumbents lacking software expertise.[1][3][4]
Vontive is positioned to capture significant share in the $1 trillion investment mortgage market through rapid platform expansions, more retail partnerships, and secondary-market automation.[1][2][4] Upcoming trends like AI-driven personalization, further non-QM growth, and real estate digitization will accelerate adoption, with potential for international scaling as investor activity globalizes.[1][2]
Its influence may evolve from stealth innovator to ecosystem leader, powering mortgage arms for major proptech brands and redefining liquidity—ultimately modernizing financing for the quietly massive investment real estate segment that underpins U.S. housing.[1][4]