Navigating the world of real estate investment requires more than just capital—it demands a partnership with a lender who understands your vision and the complexities of the market. At Lending Bee Inc., we specialize in residential hard money loans that are as flexible and dynamic as the clients we serve. Whether you’re eyeing a single-family residence, a condo, or a multi-unit property, our tailored financing solutions are designed to bridge the gap between opportunity and success.

Loan Programs

1.  Refi’s & purchases


1st Liens

  • Up to 75% LTV for purchase, up to 65% for refinance
  • Rate from 10.99% for purchase, rate from 12% for refinance
  • 12 – 24 months loan term
  • 3 – 6 months prepay
  • 620 Minimum FICO

2nd Liens

  • Up to 65% CLTV


1st Liens

  • Up to 65% LTV for purchase, up to 65% for refinance
  • Rate from 10% for purchase, rate from 10.5% for refinance
  • 12 – 24 months loan term
  • 3 – 6 months prepay
  • 620 Minimum FICO

2nd Liens

  • Up to 65% CLTV

Please, note: We are craving a tailored approach, so this program is more of an informative nature, to give you an approximate understanding of what to expect from us during making a decision to fund or not. These criteria may vary depending on your exact property and scenario.

Why Choose Lending Bee Inc.?

Experience That Matters

With years of dedicated service in the California real estate market, we bring unparalleled experience to every transaction. Our team’s deep understanding of the nuances of residential investments ensures that we’re not just lenders—we’re your strategic partners.

Expert Guidance at Every Step

Our expertise in hard money lending is your advantage. From navigating the initial application to structuring your loan, helping you to define or improve the exist strategy – our professionals are here to guide you. We offer personalized service that aligns with your unique investment goals, ensuring you have the support needed to make informed decisions and act quick.

Authoritative Solutions You Can Trust

Lending Bee Inc. stands as a leader in the hard money lending space. Our authority is built on a foundation of successful deals, satisfied clients, and a commitment to ethical lending practices since 2003. We provide transparent, straightforward loan terms and competitive rates, making us a trusted name in residential real estate financing.

A Partnership Built on Trust

Your success is our success. We believe in building long-term relationships with our clients, grounded in trust and mutual respect. Our transparent lending process, coupled with a focus on your investment success, ensures a partnership that lasts beyond a single transaction.

How to Get a California Residential Hard Money Loan Without a Good Credit Score?

While credit score and income are not the primary factors in determining loan eligibility, we do require some documentation to evaluate your application. This includes a loan application, a recent credit report, bank statements, tax returns, and information about the property you’re purchasing or refinancing. Our loan officers will work with you to gather all the necessary documentation and ensure a smooth process.

Personal Account Executive and Online Portal 

Understanding that every investor’s journey is different, we offer dedicated Personal Account Executives and an intuitive Online Portal, designed to simplify your financing process from application to closing.

From the moment you begin your application, you’re paired with a Personal Account Executive who will be your main point of contact throughout the lending process. This dedicated professional offers:

  • Expert Guidance: Leveraging their deep industry knowledge, your Personal Account Executive will provide tailored advice, helping you navigate the complexities of real estate financing.
  • Customized Solutions: They work closely with you to understand your specific goals, ensuring the loan solution is perfectly matched to your project needs.
  • Continuous Support: Whether you have questions about your loan options, need assistance during the application process, or require strategic advice, your Personal Account Executive is always just a call or email away.

Online Portal: Streamlining Your Financing Experience

To complement the personalized service provided by your Personal Account Executive, our Online Portal offers a secure, convenient way to manage your loan application and documentation. With 24/7 access from anywhere, the portal ensures that your investment journey is as smooth and efficient as possible:

  • Easy Application: Submit loan applications and upload necessary documents without the hassle of paperwork.
  • Real-Time Updates: Track the status of your loan application, view upcoming payment schedules, and receive notifications—all in real time.
  • Secure Document Management: Our portal uses state-of-the-art security measures to ensure that all your sensitive information and documents are protected.

Benefits of Working With California Residential Hard Money Lender

One of the benefits of working with Lending Bee is our flexibility. We offer tailored loan programs that can be customized to meet your specific needs. We fund quickly, usually within 3-7 days, because we manage our own funds and do not have to go through intermediaries. This allows us to consider a variety of factors when evaluating loan applications, such as the condition of the property, the borrower’s experience, and the potential for profitability.

At Lending Bee, we offer financing for a variety of property types, including fix-and-flip projects, single-family residences, and multifamily properties. We also offer refinancing and cash-out options, providing flexibility to meet your investment goals. Our loan amounts range from $100,000 to $25 million, with rates starting at 8.99%. According to a recent report by ATTOM Data Solutions, the average gross flipping profit for single-family homes in the United States was $67,902 in the third quarter of 2021. With a hard money loan from Lending Bee, investors can take advantage of these high profit margins and maximize their returns on investment.

If you’re a real estate investor looking for a fast, flexible, and tailored financing option, Lending Bee is here to help. Our hard money loan programs are designed to meet the unique needs of real estate investors, and our experienced loan officers will guide you through the process and ensure that you have all the information you need to make informed investment decisions. Apply today and take the first step towards achieving your real estate investment goals.

For more insights and updates on real estate investment strategies, financing tips, and the latest market trends, be sure to visit our Blog page.

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

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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