Why us
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Lightning-fast results in just 3-7 days with our exceptional financing solutions
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Enjoy competitive rates starting from 8.99%
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Flexible Loan-to-Value ratios reaching up to 80%
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Welcome applicants with scores of 450+
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Ensure a hassle-free experience with minimal documentation required
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Expertly cater to an extensive range of property types
Key Advantages
One of the primary advantages of partnering with LBC Capital is our flexibility. We recognize that every real estate transaction is unique, and we are dedicated to finding a loan solution that aligns with the specific needs of your clients. Whether they require a short-term fix and flip loan or a longer-term buy and hold loan, we have the knowledge and capability to facilitate it.
Beyond offering swift funding and adaptable terms, we also prioritize delivering exceptional service and support to ensure the success of you and your clients. Our team of loan experts is readily available to address inquiries, offer guidance, and assist your clients throughout the entire loan application process.
Loan programs
1. Refi’s & purchases
Residential, commercial and multifamily
1st Liens
- Up to 80% LTV
- Start rate of 9% IO
- 12 – 24 months loan term
- 3 – 6 months prepay
- Land (4 acres or less)
- 620 Minimum fico
2nd Liens
- Up to 65% CLTV
Commercial
1st Liens
- Up to 75% LTV (may go higher in some cases)
- Start rate of 9% Interest Only
- 12-24 months
- Must debt-service or have plan to debt-service
- Internal valuation or BPO
- Need Environmental Report (in some cases)
Please, note: We aim to provide a personalized approach with this program, which serves to inform and give you a general idea of what to expect when deciding whether to secure funding with us. Please note that these criteria may vary based on your specific property and circumstances.
2. Fix and flip
Residential, commercial and multifamily
1st Liens
- Up to 80% LTV
- Start rate of 9% IO
- 12 – 24 months loan term
- 3 – 6 months prepay
- Land (4 acres or less)
- 620 Minimum fico
2nd Liens
- Up to 65% CLTV
Please, note: We aim to provide a personalized approach with this program, which serves to inform and give you a general idea of what to expect when deciding whether to secure funding with us. Please note that these criteria may vary based on your specific property and circumstances.
Here's a closer look at the hard money loans we offer
Residential and commercial loans
We offer financing for a diverse array of residential and commercial properties, encompassing single-family homes, multi-family units, and mixed-use buildings.
Fix and flip loans
Our fix and flip loans cater to real estate investors seeking funds to acquire and renovate properties for resale. Featuring up to 85% Loan-to-Cost (LTC) and 65% Loan-to-After-Repair-Value (LTARV), we provide competitive rates and flexible terms aimed at enhancing the success of your clients.
Reimbursement-only loans
Additionally, we provide reimbursement-only loans tailored for real estate investors who have already acquired a property and require funding specifically for renovations. With competitive interest rates starting as low as 8-11% on an interest-only basis, we offer the financing necessary for your clients to finalize their projects.
Benefits of Our Hard Money Loans
Fast Approval
Our streamlined application process and minimal documentation requirements mean that we can approve loans quickly, often within 24 hours.
Large Loan Amounts
We offer larger loan amounts than traditional lenders, so you can get the financing you need to succeed.
Experienced Lenders
Our team of experienced lenders has a deep understanding of the real estate market and can help you make informed decisions about your investments.
Competitive Interest Rates
We offer competitive interest rates from 8,99% on our hard money loans, so you can keep your costs low while still getting the financing you need.
Flexible Loan Terms
We understand that every borrower is different, which is why we offer flexible loan terms to meet your unique needs. We can work with you to create a loan that fits your budget and timeline.
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.