Our team

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.

Our Strength

  • Same day underwriting
  • Almost all types of properties
  • Rates from 9.99%
  • Loans from $150K to $30 mil
building
Construction

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 more
  • 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

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 helps 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

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.

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.”

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 documentation
  • We work with almost all property types
  • We have over 20 years of experience
Get quote

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.

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, California

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: Whittier, 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

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