Our Strengths

  • Prompt support: obtaining underwriting immediately upon receiving your request.

  • Assisting you with all types of property

  • Interest rates starting at 8.99%

  • Arranging loans for you ranging from $150K to $30 million

Programs

  • SFR, Condo and 2-4 units

    1st Liens

    • Up to 75% LTV.
    • Rates from 9.99%.
    • 12 – 24 months loan term.
    • Minimum 600 FICO, lower – exception only.

    2nd Liens

    • Up to 65% CLTV.

    Multifamify

    1st Liens

    • Loan-to-Value (LTV) up to 75%.
    • Interest rates starting from 9.99%.
    • Loan term options ranging from 12 to 24 months.
    • Minimum FICO score of 600, with exceptions considered for lower scores.

    2nd Liens

    • Combined Loan-to-Value (CLTV) up to 65%.
    • Customized financing solutions tailored to your specific needs and circumstances.

    Residential

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  • Commercial loan options

    1st Liens

    • Loan-to-Value (LTV) up to 75%.
    • Starting interest rate from 9.99%.
    • Loan term options ranging from 12 to 24 months.
    • Minimum FICO score of 600, with exceptions considered for lower scores.

    2nd Liens

    • Combined Loan-to-Value (CLTV) up to 65%.
    • Requires a conventional bank 1st lien, with the bank agreeing to subordinate our junior lien.
    • Ideal for businesses seeking additional financing or working capital.

    Commercial

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  • At Lending Bee Inc, we offer flexible fix-and-flip loan options for residential properties (1-4 units) to help you turn your renovation projects into profitable investments.

    Loan terms

    • Loan-to-Construction (LTC) up to 85%.
    • Loan-to-After-Repair Value (LTARV) up to 65%.
    • Starting interest rate from 10%.
    • Minimum credit score of 640.
    • Loan term options: 12 months, with longer terms available depending on the specific scenario.

    Eligibility

    • “No-experience” flippers considered on a case-by-case basis
    • Marketable location is a requirement

    Fix and Flip

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  • General guidelines

    • Loan Amount: $150,000 to $25,000,000.
    • Loan Term: 12 months, interest-only, with longer terms available in some cases (up to 24 months).
    • Credit Score: Not credit score driven, making it accessible to a wider range of borrowers.
    • Prepayment Premium: Case by case basis.
    • Broker Fees: Minimum of 2 points, case by case.
    • Lender Fees: Average of $2,500.
    • Other Fees: Valuation and due diligence fees vary depending on the transaction.

    Underwriting guidelines

    • Experience: First-time investors have a maximum LTV of 65%.
    • Income Verification: Simple documentation required.
    • Down Payment: No source or equity required.
    • Appraisal Process: We offer a streamlined process and cost, contact your Account Executive to learn more.
    • Impounds: None.
    • Foreign Investors: Maximum LTV of 65%.

    Bridge Loans

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LBC Capital

LBC Capital is a leading hard money lender with a strong reputation and over 20 years of experience in the real estate finance industry. Our commitment to personalized lending sets us apart, as we understand that each borrower’s circumstances are unique. With our expertise and support, you can concentrate on expanding your portfolio while we take care of securing the financing you need.

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Unlock the Secrets to Building Your Property Empire

Your Blueprint to Real Estate Wealth

Are you ready to make your real estate dreams come true? Explore our exclusive guide to real estate wealth – a detailed plan crafted to provide you with the insights, tools, and resources necessary to create your property empire from scratch.

Begin your journey today and let LBC Capital help you turn your vision of real estate success into a profitable reality.

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We manage own funds that helps us act fast and get flexible

As part of a financial group, LBC Capital accumulates funds through the LBC Capital Debt Income Fund. This fund, composed exclusively of accredited investors, invests in real estate loans, enabling us to stay at the forefront of the real estate investment sector.

Our members enjoy an 8% return along with low-risk investment opportunities.

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Investment Journey Roadmap

  • Step 1:

    Evaluation of Your Situation

    We start our journey by understanding your unique circumstances. By evaluating your investment goals, financial situation, and property ambitions, we craft a financing solution that is perfectly tailored to meet your needs.

  • Step 2:

    Customized Financing Solutions

    With the insights gained from our evaluation, we will develop personalized financing options tailored specifically for you. Whether you’re embarking on a fix-and-flip project or exploring commercial real estate, we offer the ideal loan products to drive your success.

  • Step 3:

    Expert Guidance and Support

    You don’t have to navigate the complexities of real estate finance alone. Our team of seasoned professionals is here to offer expert guidance and support at every turn. From loan structuring to closing, we’ll be with you every step of the way.

  • Step 4:

    Seamless Application Process

    Say goodbye to paperwork headaches and long wait times. Our streamlined application process ensures a hassle-free experience from start to finish. Simply submit your application with ease, and we’ll handle the rest.

  • Step 5:

    Timely Approval and Funding

    In real estate, time is of the essence. That’s why we prioritize swift approval and funding, enabling you to seize lucrative opportunities without delay. Trust our efficient process to keep your investments moving forward.

  • Step 6:

    Ongoing Support + Relationship

    Our dedication to your success continues well beyond funding. Rely on us for ongoing support and a long-term relationship grounded in trust and transparency. Whenever you have questions or need advice, we’re here to assist you.

Why us

  • Lightning-fast results in just 3-7 days with our exceptional financing solutions

  • Enjoy competitive rates starting from 8.99%

  • Flexible Loan-to-Value ratios reaching up to 80%

  • Welcome applicants with scores of 450+

  • Ensure a hassle-free experience with minimal documentation required

  • Expertly cater to an extensive range of property types

Get quote
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Key Mortgage Challenges for Freelancers Freelancers often deal with fluctuating income. This makes it tough to show the consistency lenders like to see. Traditional employees have regular pay stubs, while freelancers rely on a mix of client payments. This irregular cash flow can raise red flags for mortgage lenders. Another challenge is proving income. Freelancers […]
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Empowered package

  • Flexible Financing Solutions to Fuel Your Success:

    Unlock the full potential of your real estate investments with our flexible financing solutions. Whether you’re looking to fund a fix and flip project, embark on new construction, or secure a bridge loan, we offer tailored financial products to suit your needs. With competitive rates and expedited processing, LBC Capital empowers you to seize lucrative opportunities and achieve your investment objectives with confidence.

  • Expert Guidance for Your Unique Investment Journey:

    At LBC Capital , we believe in more than just providing loans – we’re dedicated to guiding you through every step of your investment journey. Our team of seasoned professionals understands that no two investment scenarios are alike. Whether you’re a seasoned investor or just starting out, we offer personalized guidance tailored to your specific goals and circumstances. From initial consultation to loan structuring and beyond, count on us to be your trusted partner in real estate finance.

  • Streamlined Process, Hassle-Free Experience:

    Say goodbye to the complexities of traditional lending and hello to a streamlined, hassle-free borrowing experience with LBC Capital Our simplified application process and efficient approval timeline ensure that you get the financing you need when you need it. Whether you’re a seasoned investor or new to the game, our user-friendly approach to lending makes securing funding for your real estate ventures a breeze.

Testimonials

More reviews
R
Raina A. Austin, TX

“LBC Capital demonstrated efficiency, professionalism, and transparency in contrast to other brokers and major financial institutions. They successfully completed our escrow on schedule and at reasonable costs. After attempting negotiations with various brokers and lenders, it became evident that LBC Capital was our optimal choice. Alex and his team were notably prompt.”

V
Valeriy U. Dallas, TX

“Underpromised and overdelivered! When purchasing property in Dallas, Texas, for use as an Airbnb rental, each property faced intense competition, with multiple offers from other buyers. In such a competitive market, I opted for a hard money loan. At my realtor's recommendation, I reached out to LBC Capital and spoke with Vladimir Isperov.”

D
David Cooper Houston, TX

“LBC Capital assisted me in obtaining a remodeling loan to upgrade a condominium and prepare it for sale. They swiftly processed my documents, approved the loan, and wired the funds to me, completing the entire process in under two weeks. I am especially grateful to Vladimir, Rico, and Ani for their round-the-clock availability and support.”

C
Chad Young Los Angeles, CA

“It was very easy to do a cash-out refinance with them. Thanks to them I added another Airbnb to my portfolio. They work fast, know their business, and go above and beyond to get you the result you are looking for.”

  • 1.  What constitutes a hard money loan, and how does it contrast with a conventional loan?

    A hard money loan is a real estate-backed loan that uses private funds and generally has a shorter duration and higher interest rates than traditional loans. At FastPrivateFunds, we manage our own pool of investors' funds, enabling us to make quick decisions and provide financing within days.

  • 2.  What types of properties can be financed with hard money loans?

    Hard money loans are typically used for investment properties such as fix-and-flip projects, rental properties, or commercial real estate. Eligible properties include single-family homes, multi-family units, office buildings, retail spaces, hotels, and industrial properties.

  • 3.  What is the maximum amount I can borrow through a hard money loan?

    The loan amount you can secure with a hard money loan depends on the value of the property being used as collateral. Lenders usually offer up to 70% of the property's value, although some may provide higher or lower loan-to-value ratios based on the property's worth and the borrower's credit profile.

  • 4.  How do I apply for a hard money loan?

    The application process begins with completing a loan application and submitting necessary documents, such as a credit report, property income details, title report, and property valuation. Our underwriting department then reviews the documentation and advises our loan committee for the final decision.

  • 5.  Can I refinance my existing mortgage with a hard money loan?

    Yes, some lenders provide hard money refinance loans that let you refinance your current mortgage using the equity in your property. These loans often have higher interest rates than conventional refinance loans and might take longer to process.

Fast and flexible financing for your real estate investment projects in Texas

Explore agile and flexible financing solutions tailored for your Texas real estate endeavors with LBC Capital. Our comprehensive range of hard money loans, backed by property, includes options like fix and flip loans, bridge loans, and construction loans. Our dedicated team of experts will carefully evaluate your needs and expertly navigate you through the entire loan process. Enhance your real estate journey by contacting us today and opening the door to personalized financial success.

    Get a free consultation

    Fill out a simple form, and we'll get in touch to provide you with personalized loan program assistance.