LBC Capital is a private mortgage fund that provides short term bridge and interim financing to investment residential and commercial property investors in California. We fund loans fast, normally within 7 days. We are dedicated to streamlining the funding process for our clients. LBC can accommodate “unique” or “special” situations which most other lenders will not consider. Borrowers don’t have to worry about being taken advantage of by our company. When compared to our competitors, we carefully consider each loan opportunity. If you have equity, we can fund your deal!

Property Geographic Area Details

We work in all states with the exception of Nevada

Loan Amounts

$50,000 to $25,000,000

Interest Rates

8% to 12%

Max Loan-To-Value


Max Loan-To-Cost


Origination Fees

0% to 3%

Loan Terms

6 months to 120 months

Lien Position

  • 1st
  • 2nd

Loan Purpose

  • Investment Acquisition
  • Investment Refinance
  • Improve Subject Property
  • Use Equity to Invest in Another Property
  • Invest in a Business
  • Business Working Capital
  • Value Add Project
  • Development Project

Property Occupancy

  • Vacant
  • Tenant Occupied 100%
  • Owner Occupied Commercial

Property Types and Loan Types

Collateral Types

  • Residential Property
  • Commercial Property

Property Types

  • 2-4 Units Residential
  • Adult Day Care
  • Assisted Living Facility
  • Bed and Breakfast
  • Child Day Care
  • Commercial Condominium
  • Condominium
  • Golf Course
  • Healthcare
  • Hostel
  • Hotel
  • Industrial
  • Mixed-Use
  • Motel
  • Multifamily
  • Office
  • Religious Facility
  • Residential Land
  • Retail
  • School
  • Senior Housing
  • Single Family Residence
  • Student Housing

Loan Types

  • Private Money
  • Hard Money
  • Commercial Bridge
  • Residential Bridge
  • Commercial Property Value Add
  • Residential Fix and Flip
  • Residential Rehab and Rent
  • Residential Ground-Up Construction

Specialty Loan Types

  • 2nd Mortgage Equity Cash Out
  • Residential Long-Term Rental
  • Note Purchase
  • Partner Buyout
  • Foreclosure Bailout
  • Cannabis Use Properties

Junior Liens

Junior Lien Loan Amounts

$50,000 to $2,000,000

Junior Lien Interest Rates

10% to 12%

Junior Lien Loan-to-Value


Junior Lien Origination Fees

2% to 5%

We Fund Junior Position Loans


Junior Lien Types

  • Purchase
  • Refinance
  • Equity Cash Out
Junior liens are reviewed on a case to case basis. Up to 70% CLTV. Rates a higher and will request documentation on first loan. Junior Liens in California Only for time being.

Cannabis Use Properties

Will consider these properties up to 50% LTV. California Only

Will Consider Cannabis Use Properties


Maximum LTV for Cannabis Use Properties


Cannabis Property Use Type

  • Cultivation
  • Retail Dispensary
  • Retail Sales
  • Manufacturing
  • Processing
  • Production

Land Loan

Land Types Considered

  • Residential Land
  • Multifamily Land
  • Retail Land

Will Consider Land That is NOT Entitled


Max LTV for Land


Max LTC for Land Acquisition


Purchase Loan

Max Loan-To-Purchase Price


Borrower Must Have Property Under Contract


Will Provide Proof of Funds Letter


Will Consider Lending on Purchase from Auction


Allowed Source of Borrower’s Equity

  • Own Cash
  • Equity in Subject Property
  • Equity in Another Investment Property
  • Equity in Primary Residence
  • Seller Financing

Rehab Value Add Loan

Experience Required


Minimum Number of Value-Add Projects Completed by Borrower


Will Provide Funds for Renovation Costs


Max LTC for Renovation Costs


Interest Charged for Renovation Costs

Entire Amount of Total Project Costs

Typical Number of Days for Funds Draw


Construction Loan

Development Experience Required


Minimum Number of Ground-Up Construction Projects Completed by Borrower


Max LTC for Ground-Up Construction Costs


Interest Charged for Construction Costs

Only on Funds Drawn

Will Lend on Partially Completed Construction Projects


Details and Requirements

Typical Closing Time (Days)


Fastest Closing Time (Days)


Works With

  • Brokers
  • Borrowers

Payment Structure

  • Interest Only
  • Interest Reserve

Pre Payment Penalty


Will lend to a foreign national


Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage


Will Consider Collateralizing Multiple Properties in One Loan


Will Consider Equity Joint Venture


Borrower Entity Types Considered

  • Individual(s)
  • LLC
  • Limited Partnership
  • Trust
  • Corporation
  • Self-Directed IRA

Documentation Required

  • Credit Report
  • Bank Statements
  • Financial Statements
  • Loan Application

Personal Guaranty (Recourse) Required


Credit Check Required


Minimum Credit Score Required


Appraisal Required for Residential Property


Appraisal Required for Commercial Property


Broker Price Opinion (BPO) Accepted for Residential Property


Broker Price Opinion (BPO) Accepted for Commercial Property



Underwriting Fee

$399.00 to $699.00

Processing Fee

Documents Fee

Inspection Fee

Interior Property Inspection

Extension Fee

After loan matures

Exit Fee

Instead of collecting origination up front, can be paid at loan payoff

Fees which are charged upfront prior to loan closing

  • Inspection Fee

Fees which are paid to a third party company

  • Due Diligence Fee
  • Settlement Fee
  • Appraisal Fee
  • Inspection Fee
  • Escrow Fee
  • Title Fee

We establish long term lending relationships with our commercial and residential property investors. Lending Bee, Inc. has access to a private pool of financial resources through our sister fund, LBC Capital. But we will also utilize other individual investors and private mortgage funds in order to get the best rate, term, and points.

Why us?

We are your alternative to the monopolies established by other private mortgage fund firms. Investors are recognizing the benefits of the hard money loans and 7 day funding policy provided by Lending Bee, Inc. and we are experiencing strong demand from borrowers who feel trapped in a difficult lending market.

We carefully consider each loan opportunity and do not systematically drop loans that may be considered to be too far outside arbitrary guidelines. If you’re a borrower frustrated by a lending market that is too difficult to work with, then you’ve come to the right place!


CA DRE Broker Lic. 01445206

Company Size (Number of Employees)


Year Established



  • California Mortgage Association

Office Locations

4605 Lankershim Boulevard, Suite 419, North Hollywood, California 91602

Primary Capital Source

  • Own Funds
  • Debt Fund We Manage
  • Individual Investors
  • Other Private Lending Companies
  • Private Equity Funds
  • Friends & Family
  • Fund to Fund

Loan Structure for Majority of Loans

  • Own Balance Sheet
  • One Investor One Loan

Alternative Loan Structures

  • Multiple Investor Fractionalized Note
  • Multiple Lender Participation
  • A/B Note Participation with Private Investor

Percentage of company’s lending business focused on private mortgage


Company’s Other Business Activities Besides Private Mortgage Lending

  • Residential Mortgage Brokerage
  • Note Investing
  • Residential Real Estate Investing
  • Real Estate Development

Percentage of Loans Secured by Commercial Property


Percentage of Loans Secured by Residential Property


Percentage of Residential Property Loans Which are Fix and Flip


Percentage of Residential Property Loans Which are Buy and Hold


Percentage of Residential Property Loans Which are Owner-Occupied


Percentage of Loans Secured by Land


Total Number of Loans Funded to Date


Total Loan Volume Funded to Date


2017 Number of Loans Funded


2017 Loan Volume Funded


Loan Request

Short Description of your Loan Request or Property Address

This information is about yourself, not the subject property.


At the end of the form you can enter the additional properties.

(temp use, storage, billboard, parking, etc.)


If Borrower is not seeking additional funds for the renovation, change the Loan Type to Purchase or Acquisition.


(temp use, storage, billboard, parking, etc.)


If Borrower is not seeking additional funds for the renovation, change the Loan Type to Purchase or Acquisition.


how will the loan be paid off?


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Add links to photos here.


Add links to documents, photos, etc.