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%
Loan Terms
6 months to 120 months
Origination Fees
0% to 3%
Lien Position
1st, 2nd
Collateral Types
  • Residential Property
  • Commercial Property
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

  • 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
  • Cannabis Use Properties
  • Foreclosure Bailout
  • Note Purchase
  • Partner Buyout
  • Residential Long-Term Rental

Junior Lien Loan Amounts

$50,000 to $2,000,000

Junior Lien Interest Rates

10% to 12%

Junior Lien Loan-to-Value

70%

Junior Lien Origination Fees

2% to 5%

We Fund Junior Position Loans

Often

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.

Land Types Considered

  • Residential Land
  • Multifamily Land
  • Retail Land

Will Consider Land That is NOT Entitled

yes

Max LTV for Land

0%

Max LTC for Land Acquisition

0%

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.

Max Loan-to-Purchase Price

90%

Borrower Must Have Property Under Contract

yes

Will Provide Proof of Funds Letter

yes

Will Consider Lending on Purchase from Auction

yes

Allowed Source of Borrower’s Equity

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

Experience Required

yes

Minimum Number of Value-Add Projects Completed by Borrower

2

Will Provide Funds for Renovation Costs

yes

Max LTC for Renovation Costs

0%

Interest Charged for Renovation Costs

Entire Amount of Total Project Costs

Typical Number of Days for Funds Draw

0

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 paid to a third party company

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

Details and Requirements

Typical Closing Time (Days)

7

Fastest Closing Time (Days)

2

Payment Structure
  • Interest Only
  • Interest Reserve
Pre Payment Penalty

yes

Will lend to a foreign national

yes

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

yes

Will Consider Collateralizing Multiple Properties in One Loan

yes

Will Consider Equity Joint Venture

no

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
Always
Credit Check Required

yes

Minimum Credit Score Required

580

Appraisal Required for Residential Property

Sometimes

Appraisal Required for Commercial Property

Sometimes

Broker Price Opinion (BPO) Accepted for Residential Property

Sometimes

Broker Price Opinion (BPO) Accepted for Commercial Property

Sometimes

Get In Touch

LBC Capital pays us to be listed, so there is no fee to connect. Share your loan request, send a simple email, call, or visit their website.

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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!

License

CA DRE Broker Lic. 01445206

Company Size (Number of Employees)

9

Year Established

2014

Associations

  • 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
Percentage of Loans Secured by Commercial Property

30%

Total Number of Loans Funded to Date

1000

Total Loan Volume Funded to Date

$500,000,000

Our Team

Boris Dorfman

Fund Manager

California Department of Real Estate - 01330338

Get In Touch

LBC Capital pays us to be listed, so there is no fee to connect. Share your loan request, send a simple email, call, or visit their website.

Stay Informed About Private Lending

Receive our monthly newsletters with valuable insights and industry updates
subscribe-illustration
Before You Contact Us

Our Minimum Loan Amount Is

$50,000

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