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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
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Same day underwriting
We provide underwriting decisions on the same day, allowing for quick and efficient loan processing.
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All types of properties
Our loans cover all types of properties, including residential, commercial, industrial, and land.
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Rates from 8,99%
We offer competitive interest rates starting from 8.99%, ensuring affordable financing options.
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Loans from $150K to $30M
Flexible loan amounts ranging from $150,000 to $30 million to suit different needs and project sizes.
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More Strengths
We provide personalized loan solutions, tailored terms, and excellent customer support to meet your specific needs.
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Fast, Simple, and Tailored Just for You.
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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
Read moreRETAIL, 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
Read moreRESIDENTIAL (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
Read moreGENERAL 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
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Testimonials
More reviewsAbout 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 MoreWhether 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 MoreOur 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.
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
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.
Minimal Documentation
The documentation required for hard money loans is significantly less burdensome compared to traditional loans. Investors typically need to provide basic information about the property and their investment plan. This streamlined process reduces the administrative burden and allows investors to focus on their projects rather than getting bogged down in paperwork. The simplicity of the documentation process also speeds up the loan approval and disbursement, enabling investors to move forward with their projects without unnecessary delays.
Opportunity for Portfolio Expansion
For seasoned real estate investors, hard money loans present an opportunity to expand their portfolios rapidly. By providing quick and reliable access to capital, these loans enable investors to take on multiple projects simultaneously, maximizing their potential for profit. This ability to scale up quickly is a significant advantage in the competitive real estate market. The availability of hard money loans empowers California investors to pursue ambitious growth strategies, expanding their reach and influence in the market while maintaining a high level of financial agility.
Diversifying Investment Portfolios
Hard money loans also enable investors and brokers to diversify their portfolios more effectively. Traditional loans may limit the number of properties an investor can finance simultaneously, but hard money lenders in California focus on the collateral rather than the investor’s debt load. This allows investors to spread their investments across multiple properties, reducing risk and increasing the potential for higher returns. A diversified portfolio can include a mix of residential, commercial, and rental properties, each contributing to the investor’s overall financial growth and stability.
Facilitating High-Risk Investments
High-risk investments, such as distressed properties or developments in emerging markets, are more feasible with hard money loans. Traditional lenders may shy away from these ventures due to the perceived risk, but hard money lenders are often more willing to take them on. The higher interest rates associated with hard money loans are offset by the potential for substantial returns. This willingness to finance riskier projects allows investors to explore opportunities that might otherwise be out of reach, further expanding their investment horizons.
Building Long-Term Relationships with Lenders
Another advantage of hard money loans is the opportunity to build long-term relationships with lenders. Unlike traditional banks, hard money lenders often work closely with investors, understanding their goals and strategies. These relationships can lead to more favorable terms, faster approvals, and increased trust over time. A strong relationship with a hard money lender can be a valuable asset, providing consistent and reliable funding for ongoing and future projects.
Customizable Loan Terms
Hard money loans offer customizable terms that can be tailored to the specific needs of the investor. Whether it’s the loan amount, repayment period, or interest rates, hard money lenders can provide flexible options that align with the investor’s strategy. This customization is particularly beneficial for real estate investors who may have unique financing requirements for different projects. The ability to negotiate terms directly with lenders allows for a more personalized approach to financing, ensuring that the loan terms are aligned with the investor’s goals and project timelines.
Enhancing Real Estate Strategies with Hard Money Loans In California
Hard money loans are instrumental in enhancing real estate investment strategies. Their unique benefits and characteristics allow investors to craft and execute plans that might be unattainable with traditional financing. For example, fix-and-flip projects often rely on quick capital to purchase, renovate, and sell properties within a short timeframe. Hard money loans are ideally suited for these types of investments due to their fast approval process and flexible terms. Investors can quickly secure properties, make necessary improvements, and sell them for a profit, all within the loan’s short-term period.
Bridging the Gap Between Projects
For investors transitioning between projects, California hard money loans serve as an essential bridge. When waiting for a property sale to close or for traditional financing to come through, a hard money loan can provide the necessary funds to keep new projects moving forward. This bridging capability ensures that investors do not miss out on valuable opportunities due to temporary cash flow issues. It also helps maintain momentum, allowing for continuous investment and development without interruption.
The Key to Real Estate Success
Hard money loans are a critical component of successful real estate investing. They provide the speed, flexibility, and accessibility needed to capitalize on opportunities and overcome challenges. By incorporating hard money loans into their strategies, investors can achieve greater financial success and build robust, diversified portfolios. The future of real estate investing is bright with the strategic use of hard money loans, empowering investors to thrive in any market condition.
Adapting to Market Changes
The real estate market is constantly evolving, influenced by economic shifts, regulatory changes, and emerging trends. Hard money loans provide the adaptability that investors need to respond to these changes quickly. Whether it’s capitalizing on a sudden market downturn to buy undervalued properties or adjusting strategies due to new regulations, hard money loans offer the flexibility required to stay ahead. Investors can pivot their approaches and capitalize on new opportunities without being constrained by the slower, more rigid processes of traditional financing.
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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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