
Our Strength
- Same day underwriting
- Almost all types of properties
- Rates from 9.99%
- Loans from $100K to $30 mil

Programs
SFR, CONDO AND 2-4 UNITS
1st Liens
- Up to 75% LTV
- Rates from 9.99%
- 12 – 24 months loan term
- No Minimum FICO
2nd Liens
- Up to 65% CLTV
MULTIFAMILY
1st Liens
- Up to 75% LTV
- Rates from 9.99%
- 12 – 24 months loan term=
- No Minimum FICO
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.
- No Minimum FICO.
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
- Lending Locations: nationwide. (For ineligible locations, contact your Account Executive for details.)
- 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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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.
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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
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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.