Private Real Estate Loans

Vale Capital is an Affiliate of OneSource by PCS, an online lending and investor services platform backed by the financial strength of more than 300 private investors. The Principals, Affiliates and Advisory Board Members of Vale and OneSource consist of highly experienced real estate professionals with long and successful track records in lending, development and property management. We are committed to the efficient use of technology to build on the foundation and proven success of the PCS Loan and Equity Funds. Our goal is to ensure that our borrowers enjoy a private lending experience that is reliable, transparent, accurate and fair.


   William Valentine

    President, Vale Capital

Bill has 31 years of commercial, residential and multifamily brokerage, lending and development experience. He began his career selling land and commercial buildings in Silicon Valley. After two years of graduate school, Bill worked for a series of multifamily mortgage banks, including EF&A, ARCS Commercial Mortgage, GMAC Commercial Holdings, Capmark (KKR/Goldman) and Citi Community Capital, originating in excess of $2.5 billion of multifamily loans, primarily through the credit enhancement of multifamily housing bonds. Bill began financing real estate borrowers with short term capital needs in 1996, both for his own account and in combination with outside investor capital. Additionally, Bill has both rehab and new construction development experience as a principal.

Bill received his undergraduate degree from Stanford University (International Relations) and his graduate degree from Columbia University (MS Real Estate Development). He is married with two children.


   Penny St. John

    Director of Transactions




OneSource by PCS is an online lending and investor services platform which employs structural design efficiencies for the benefit of private real estate lending, borrowing and investing participants. The platform was created and is operated by a team of highly experienced real estate professionals with long and successful track records in lending, development, and property management. At its core, OneSource is an efficient portfolio lender and equity investor which leverages cutting edge technologies to simplify and expedite the loan funding and investing processes. Our goal is to make private lending transparent, efficient and reliable.

OneSource’s principals, partners, affiliates and investors have funded nearly $1 Billion of short-term, private real estate loans without a default since inception in 2009.

Click the below link to learn more about OneSource by PCS

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