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.

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    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

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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

    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.

    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.

    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.

    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

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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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