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California hard money lenders

Our authority in the hard money lending space is built on a foundation of successful outcomes and satisfied clients. Over the years, we’ve not only adapted to the ever-changing real estate landscape but have also been at the forefront of innovation in lending practices. Our advice and financial solutions are sought after by investors, brokers, and real estate professionals. And we are proud of the feedback they provide.

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    Our Strength

    • Same day underwriting

      We provide underwriting decisions on the same day, allowing for quick and efficient loan processing.

    • All types of properties

      Our loans cover all types of properties, including residential, commercial, industrial, and land.

    • Rates from 8,99%

      We offer competitive interest rates starting from 8.99%, ensuring affordable financing options.

    • Loans from $150K to $30M

      Flexible loan amounts ranging from $150,000 to $30 million to suit different needs and project sizes.

    • More Strengths

      We provide personalized loan solutions, tailored terms, and excellent customer support to meet your specific needs.

    • Get personalized quote

      Fast, Simple, and Tailored Just for You.

      Get My Quote
    hard money loan

    Our journey began with a simple vision: to offer real estate investors, developers, and professionals an alternative to the slow, impersonal lending process. Today, our extensive portfolio of funded projects reflects a wide range of investments, from residential SFRs to commercial developments, showcasing our capacity to handle financial needs of any scale. Our deep understanding of the market dynamics allows us offer flexible and tailored hard money loan programs.

    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.

      MULTIFAMILY

      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.

      Residential

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    • RETAIL, INDUSTRIAL, OFFICE

      1st Liens

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

      2nd Liens

      • Up to 65% CLTV.
      • 1st lien must be conventional bank & must agree to junior lien.

      Commercial

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    • RESIDENTIAL (1-4 UNITS)
      Up to 85% LTC but not to exceed 65% LTARV

      • From 10% rate.
      • Minimum score – 640.
      • 12 months. Longer term possible depending on scenario.
      • “No-experience” flippers – case by case.
      • Marketable location.

      Fix and Flip

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    • GENERAL GUIDELINES

      • Purpose: Purchase and refinance. transactions Loan Amounts: $150K – $25MM.
      • Term: 12 months, interest only. Longer term available in some cases (up to 24 months).
      • Credit Score: Not credit score driven.
      • Prepayment Premium: Case by case.
      • Broker Fees: Case by case but minimum is 2 points.
      • Lender Fees: Average of $2,500.
      • Other Fees: Valuation, due diligence fees – depending on transaction.

      UNDERWRITING GUIDELINES

      • Experience: First Time Investor MAX 65% LTV.
      • Income Verification: Simple documentation.
      • Down Payment: No source
      • Appraisal Process: Contact your Account Executive to learn about our streamlined process and cost. Impounds None.
      • Foreign Investors: 65% maximum LTV.

      Bridge Loans: General Guidelines

      Read more

    Testimonials

    More reviews
    D
    David Cooper Los Angeles, CA

    “Lending Bee 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. 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. 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. 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.”

    Anastasia Vander Bloomen photo
    Anastasia Vander Bloomen Central LA, Los Angeles, CA

    “Very knowledgeable staff, knows the loan process in and out, attention to details. Great customer services. Guys were doing everything possible to get the approval. Me and my husband definitely recommend the company.”

    Ekaterina Petrushkina photo
    Ekaterina Petrushkina Los Angeles, CA

    “Very professional service! Helped me with re-finance and made the process very smooth and quick. All the communications were prompt and to the point, all of my questions answered. Highly recommend!”

    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.”

    About Us

    Lending Bee, Inc.

    Lending Bee Inc. is a leading hard money lender with a strong reputation and over 20 years of experience in the real estate finance industry. Our popular loan products include commercial loans, fix and flip, constructional loans, residential and bridge loans. 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.

    Learn More

    Whether you're a seasoned investor looking to diversify your portfolio or a newcomer eager to make your first foray into real estate, our experts are here to guide you through every step of the process.

    We Manage Own Funds That Help Us Act Fast And Get Flexible

    Being a part of financial group, Lending Bee accumulates funds through LBC Capital Debt Income Fund. Members of the Fund who are purely accredited investors, invest in real estate loans and allow us being on top of any real estate investment game.

    Our members benefit from 8% returns and low-risk investment’s opportunities.

    Learn More
    Man and buildings
    private money loans

    Our authority in the hard money lending space is built on a foundation of successful outcomes and satisfied clients. Over the years, we’ve not only adapted to the ever-changing real estate landscape but have also been at the forefront of innovation in lending practices. Our advice and financial solutions are sought after by investors, brokers, and real estate professionals. And we are proud of the feedback they provide.

    Women

    Why us

    • Close in 3-7 days
    • Our rates start from 9.99%
    • We arrange LTVs up to 80%
    • We accept credit scores 450+
    • We require minimal docs
    • 20+ years of experience
    • We work with almost all property types
    Get quote
    hard loan programs

    Trust is the cornerstone of our relationship with clients. At Lending Bee Inc., we prioritize transparency, integrity, and personalized service. We understand the importance of trust, especially in financial dealings, and go above and beyond to ensure our clients feel confident and secure in their partnerships with us. Our commitment to ethical practices and client success has earned us not just business, but loyalty and referrals, growing our community of investors and professionals who choose Lending Bee Inc. time and again.

    Direct Private Money Loans for California Real Estate

    Lending Bee, Inc. is a very well-recognized name amongst the best hard money lenders in California, with decades of experience in private money lending. Our hard money loans are designed for real estate investors and property owners needing quick and flexible financing for various projects, including single-family homes, multi-family residences, and commercial properties.

    With Lending Bee, Inc., California investors and homeowners can expect swift approvals, competitive rates, and personalized service. Our asset-based lending approach ensures that hard money loans for investment properties can be funded in as little as five days. Whether you’re an individual, LLC, corporation, trust, or estate, Lending Bee, Inc. is here to provide expert guidance and tailored financial solutions. Contact us now for a free consultation!

    Your California Hard Money Loan Experts

    To date, no other company has risen to the level of professionalism and expertise that Lending Bee, Inc. has brought into the hard money lending industry. Having funded over $800 million in hard money loans, with decades of experience, has earned us the trust of thousands of valued clients throughout California. Transparency with us means no hidden fees, just clear and upfront pricing on every loan.

    Our clients appreciate our speed and reliability. Most loans are funded within five days, with same-day approvals for qualified borrowers. By offering customized solutions to meet the diverse needs of Lending Bee, Inc., it remains a trusted partner for real estate investors and property owners across the state.

    Experienced California Hard Money Lenders

    Lending Bee, Inc. is one of California’s preeminent direct hard money lenders specializing in financing an array of loan types including bridge loans, probate loans, trust loans, fix-and-flip financing, and commercial property loans. Our asset-based lending approach focuses on the real estate asset value and/or borrower equity, thus allowing our financing options to be granted with more speed and efficiency by offering programs tailored to each specific need.

    Fast and Flexible Hard Money Loans Across California

    Located in California, Lending Bee, Inc. offers California hard money loans efficiently, promptly, and across all regions: Southern, Central, and Northern California. We work from San Diego to San Francisco, providing direct private money loans as per the requirements of real estate investors. Emphasis is given to single-family homes, multifamily properties, and commercial real estate projects.

    With a proven track record of satisfied clients, Lending Bee, Inc. has become a trusted name in hard money lending. Real estate investors return to us over and over again, confident in our ability to deliver professional, honest, and efficient financing solutions.

    Diverse Hard Money Loan Options for Real Estate Investors

    Lending Bee, Inc., has a wide array of hard money loan options to cater to the special needs of investors and owners in real estate. Be it bridge loans, cash-out refinance, trust loans, or fix-and-flip project financing, we know how to get you just the right solution. We can also arrange loans for probate or estate transactions, distressed property purchase, or residential and commercial construction.

    Lending Bee, Inc. pays attention to the value of the property and the equity of the borrower, thus ensuring a smooth approval process often able to provide funding in as little as five days. Our speed, flexibility, and great service have made us steadfastly dedicated to California’s unparalleled real estate market.

    Serving All Corners of California

    Lending Bee, Inc. proudly serves hard money loans throughout California, including San Diego, Los Angeles, Orange County, the San Francisco Bay Area, Sacramento, and more. From bustling urban centers to quieter suburban regions, we offer tailored lending solutions for real estate investors and property owners. Our expertise spans single-family homes, multi-family properties, and commercial real estate, ensuring we meet the diverse needs of our clients.

    Latest funded deals

    More projects

    $360,000.00 are already well-received and well-invested

    We funded and supported his real estate investment in Encino, Los Angeles. $360,000.00 are already well-received and well-invested. Thanks to being a direct money lender we are capable of closing deals from $150K to $25 million quickly and ignoring the market's uncertainty.

    Location: Los Angeles, CA

    Refi commercial

    Funding $4,836,500 in 11 days!

    Our client contacted us to refinance a commercial property - retail spaces in San Jose, CA, purchased to generate income. Lending Bee offered acceptable rates, terms, and structures of our loan facilities and funding him $4,836,500 in 11 days. The borrower will use the loan funds to pay off debt and make capital upgrades.

    Location: San Jose, CA

    Wooohoooo! $300K this time in 6 days!

    Our client required a refinance cash-out for the multi-family residence in Whittier, CA, and got the 12-month loan in less than a week We funded it directly, with our own capital!

    Location: Whittier, CA

    We recently closed a loan in a beautiful residential area in Toluca Lake, CA!

    Acting fast, funding fast. Purpose of the loan: Refinance cashout Loan amount: $500,000 Closed in 5 days

    Location: Toluca Lake, CA

    Lending Bee funded a $3,166,000 cash-out loan with a two-year loan term, secured by a commercial building in Sacramento, CA.

    The borrower wanted to cash out for business purposes, i.e., to improve the subject property. Closed in just ten days.

    Location: Sacramento, CA

    Lending Bee funded a seasoned investor within nine days!

    Our team helped a seasoned investor acquiring and managing commercial properties in California, who sought additional funds for his deal. The deal was funded within 9 days. It was used to purchase the commercial property in San Diego, CA, which will continue to operate in the rental model as the borrower planned.

    Location: San Diego, CA

    Alex Moore
    3 min read

    Managing Risk in Real Estate Investments with Hard Money Loans

    Real estate investment naturally involves risks, which could range from market fluctuation to sudden property issues. However, how well an investor understands the risk management techniques often makes the difference between success and a financial misstep in investment. Hard money loans, popularly known for their speed and flexibility, are essential tools in the investor’s armory. […]
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    Fast and flexible financing for your real estate investment projects in California

    Lending Bee Inc offers a variety of hard money loan options secured by real estate, including fix and flip loans, bridge loans, and construction loans. Our team of experts will work closely with you to find the right loan option and guide you through the entire loan process. Contact us today to learn more.

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