About

Ray Butler

Co-Founder of Vault Group

From Mobile, Alabama, I started with nothing—working in a shipyard as a welder at 19. That same year, I bought my first property using a 0% interest credit card. Through creative financing and business credit, I built a real estate portfolio of 14 units and $1.5M in assets under management by the age of 24—becoming a self-made real estate millionaire.

Today, I continue to expand my portfolio to the 8‑figure mark while showing others how to leverage 0% funding and smart credit strategies to achieve the same results—building wealth through cash‑flowing assets and gaining financial freedom without the need to save up money or have money already.

Alec Smith

Co-Founder of Vault Group

From Phoenix, Arizona, I earned a bachelor’s in Architecture and a master’s in Marketing—but found myself stuck, making $40K a year and buried in $45K of debt. I took a leap into real estate sales and closed over $8 million in transactions within two years, all over the phone. Along the way, I mastered the credit game—learning how to leverage high-limit 0% interest funding to buy real estate and scale businesses.

Now, alongside my partner Ray, I help clients do the same: secure funding, invest in properties, and grow their businesses without risking their own capital. Together, we’ve already guided 100+ clients to access six figures in funding, build wealth, and create long-term financial freedom.

We help real estate investors scale their portfolios without using their own money—and help business owners grow without sacrificing equity or control.

Banks profit when you stay stuck in bad debt. We flip the script—showing you how to beat the system by using their money to build your business, invest in real estate, and create real freedom.

We went through the entire funding process ourselves—using 0% interest credit to create cash flow through assets and build successful businesses. Now, we lead you through the exact same process we’ve already proven works.

Whether you're starting fresh or scaling to seven figures, we help you access capital the smart way—without ever paying 20% interest to the bank again. It’s time to make the banks work for you.

If you’re ready to stop being used by the system and start using it to your advantage—book a call to unlock the Vault.