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Our Strengths

  • Prompt assistance: securing underwriting immediately upon receiving your request

  • Assisting you with all types of properties

  • Rates starting at 8.99%

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

hard money loans

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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Trusted Florida Hard Money Lender

LBC Capital is a premier hard money lender with a solid reputation and more than 20 years of experience in the real estate finance sector. Our dedication to personalized lending distinguishes us, as we recognize that each borrower’s situation is unique. With our expertise and support, you can focus on growing your portfolio while we handle the financing you require.

More Information
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Florida hard money lenders

Unlock the Secrets to Building Your Property Empire

Your Blueprint to Real Estate Wealth

Ready to transform your real estate aspirations into reality? Dive into our exclusive blueprint to real estate wealth – a comprehensive roadmap designed to equip you with the knowledge, tools, and resources needed to build your property empire from the ground up.

Start your hard money journey today and turn your dreams of real estate success into a lucrative reality with LBC Capital

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

As a division of a financial group, LBC Capital channels funds through the LBC Capital Debt Income Fund. Accredited investors in this fund contribute to real estate loans, enabling us to excel in the real estate investment arena.

Our members enjoy 8% returns and low-risk investment opportunities.

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hard money lender

Investment Journey Roadmap

  • Step 1:

    Evaluation of Your Situation

    Our journey together begins with understanding your unique situation. We’ll assess your investment goals, financial standing, and property aspirations to tailor a hard money loan financing solution that perfectly fits your needs.

  • Step 2:

    Customized Financing Solutions

    Armed with insights from the evaluation stage, we’ll craft personalized hard loan options designed specifically for you. Whether you’re diving into a fix-and-flip project or venturing into commercial real estate, we have the right loan products to fuel your success.

  • Step 3:

    Expert Guidance and Support

    No need to navigate the complexities of real estate finance alone. Our team of seasoned Florida hard money lenders are here to provide 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. Submit your application with ease and let us take care of the rest.

  • Step 5:

    Timely Approval and Funding

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

  • Step 6:

    Ongoing Support + Relationship

    Our commitment to your success doesn’t end at funding. Count on us for ongoing support and a lasting relationship built on trust and transparency. Whether you have questions or need advice, we’re always here to help.

why LBC Capital

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

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Blog

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Eco-Friendly Mortgage Options: Financing Your Sustainable Dream Home

Why Choose Eco-Friendly Housing? Eco-friendly housing is gaining momentum across Florida. More people want homes that save energy, reduce waste, and support a sustainable future. Florida’s sunny climate makes it perfect for green housing projects, especially those using solar power and energy-efficient designs. At LBC Capital, we specialize in financing these innovative projects. Our hard […]
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Comparing Fixed and Variable Mortgage Rates: Choosing the Right Option in Uncertain Times

Understanding Fixed and Variable Mortgage Rates Choosing the right mortgage rate is crucial, especially when markets are uncertain. Fixed and variable rates each have unique benefits and challenges. Understanding these differences can help you secure the best mortgage and avoid potential financial stress. Let’s explore each option and see which might be the best fit […]
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Mortgage Options for Self-Employed Individuals

Overview More people are turning to self-employment and freelance work. While this path offers flexibility, it can make securing a mortgage more difficult. Traditional employment comes with consistent paychecks and easy-to-verify income. Self-employed individuals, however, face extra challenges when applying for a home loan. Lenders require more documentation and proof of stable income. This article […]
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Affordable Housing Programs: How Low-Income Families Can Achieve the Dream of Homeownership

Introduction to Government and Nonprofit Programs Thankfully, there are solutions. Government and nonprofit programs have been created to help low-income families achieve homeownership. These programs focus on offering financial assistance, lower down payment requirements, and other resources. Government-backed loans, for example, allow buyers to qualify with less money saved and lower credit scores. Nonprofit organizations […]
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How Hard Money Loans are Transforming the Construction Industry: Key Benefits for Builders

Key Builders’ Considerations Builders often face challenges when trying to secure traditional financing for their projects. Long approval processes and strict credit requirements can slow things down. Hard money loans offer a faster and more flexible alternative. These loans are short-term, asset-based, and secured by real estate. Builders use them to fund construction, renovation, or […]
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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 hard money loans in Florida. Whether you’re looking to fund a fix and flip project, embark on new construction, or secure a bridge loan, we offer tailored hard money loans to suit your needs. With competitive rates and expedited processing, we empower 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 hard money loans – we’re dedicated to guiding you through every step of your investment journey. Our team of seasoned hard money lenders understand 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 hard money loans. 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. Los Angeles, CA

“LBC Capital proved to be quick, professional, and honest compared to other brokers and large financial institutions, they were able to close our escrow on time with reasonable costs. We were trying to negotiate with other brokers and lenders before and quickly realized that LBC Capital is our best bet. Alex and his staff were prompt importantly”

V
Valeriy U. Central LA, Los Angeles, CA

“Underpromised and over delivered! I was buying property in Palm Springs Florida to you it as Airbnb rental. Ever property I had to fight for with other buyers and every property sellers had multiple offers. I had no choice but to go with hard money loan. I called LBC Capital at recommendation of my realtor and spoke with Vladimir Isperov.”

D
David Cooper Los Angeles, CA

“LBC Capital worked with me to get a remodeling loan to help me upgrade a condo and prep it for sale. they quickly processed my docs, approved my loan and wired me funds. The whole process took less than two weeks. I'd personally like to thank Vladimir, Rico & Ani for being available to me any time, day or night.”

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.”

FAQ

Move to FAQ Page

  • 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 Florida

Discover swift and adaptable financing solutions for your Florida real estate ventures with LBC Capital Our extensive array of hard money loans, secured by properties, encompasses fix and flip loans, bridge loans, and construction loans. Our dedicated team of professionals will meticulously assess your requirements and seamlessly guide you through the entire loan process. Elevate your real estate journey by reaching out to us today and unlocking the door to tailored financing success.

    Get a free consultation

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