Direct Lender for Investment Property Bridge Loans

LBC Capital is a private mortgage fund that provides short term bridge and interim financing secured by commercial and residential investment properties. 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!

  • Purchase Bridge Loans
  • Refinance Bridge Loans up to 65% LTV
  • Equity Cash Out Bridge Loans up to 65% LTV
  • 2nd Mortgages in California only
  • We can cross-collateralize with other properties
  • Loan Term up to 24 months
  • Fast Closings

Please Note: We do not lend on owner-occupied homes, vacant land or ground-up construction projects.

Property Geographic Area Details
We lend in major metropolitan areas, in most states
Loan Amounts
$250,000 to $8,000,000
Interest Rates
11% to 12%
Loan Terms
6 months to 24 months
Origination Fees
1.5% to 2%
Lien Position
1st
What we do:
Purchase Bridge Loans
Refinance Bridge Loans
Equity Cash Out Loans
2nd Mortgages in California
Fast Closings
Lending on Residential Properties
Lending on Commercial Properties
What we don’t consider:
Rural Areas
2nd Mortgages outside California
Rehab Funds
Construction Loans
Land Loans
Specialty Commercial Properties
Credit Check Required

yes

Prepayment Penalty

yes

Typically 3-6 months of interest guarantee.
Typical Closing Time (Days)

7

Maximum Leverage

Purchase Short-Term (no Value-Add)
Max LTP Residential: 80%
Max LTP Multifamily: 75%
Max LTP Commercial: 70%
Refinance Short-Term (no Cash Out)
Max LTV 1st Lien Residential: 65%
Max CLTV 2nd Lien Residential: 65%
Max LTV 1st Lien Multifamily: 65%
Max CLTV 2nd Lien Multifamily: 65%
Max LTV 1st Lien Commercial: 65%
Max CLTV 2nd Lien Commercial: 65%
Refinance & Cash Out Short-Term
Max LTV 1st Lien Residential: 65%
Max CLTV 2nd Lien Residential: 65%
Max LTV 1st Lien Multifamily: 65%
Max CLTV 2nd Lien Multifamily: 65%
Max LTV 1st Lien Commercial: 65%
Max CLTV 2nd Lien Commercial: 65%

Property Types

  • 2-4 Units Residential
  • Commercial Condominium
  • Condominium
  • Hotel
  • Industrial
  • Mixed-Use
  • Motel
  • Multifamily
  • Office
  • Retail
  • Single Family Residence
  • Student Housing

Loan Types

  • Private Money
  • Hard Money
  • Residential Bridge
  • Multifamily Bridge
  • Commercial Bridge

Specialty Loan Types

  • Cannabis Use Properties
  • Foreclosure Bailout
  • Note Purchase
  • Partner Buyout

Max Loan-to-Purchase Price

80%

Borrower Must Have Property Under Contract

yes

Will Provide Proof of Funds Letter

yes

Will Consider Lending on Purchase from Auction

no

Allowed Source of Borrower’s Equity

  • Own Cash
  • Equity in Another Investment Property
  • Equity in Primary Residence

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

Fastest Closing Time (Days)

2

Payment Structure
  • Interest Only
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
Minimum Credit Score Required

640

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

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

Contact LBC Capital Income Fund, LLC

LBC Capital Income Fund, LLC pays us to be listed, so there is no fee to connect with them directly.

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Why us?

We are your alternative to the monopolies established by other private mortgage fund firms. Investors are recognizing the benefits of 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

CFL License 60DBO-187524

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
  • Private Equity Funds
  • Friends & Family
Loan Structure for Majority of Loans
  • Own Balance Sheet
  • One Investor One Loan
Percentage of Loans Secured by Commercial Property

30%

Percentage of Loans Secured by Residential Property

70%

Total Number of Loans Funded to Date

1,000

Total Loan Volume Funded to Date

$500,000,000

Our Team

Boris Dorfman

President & Fund Manager

California DRE Broker Lic. - 01330338

Contact LBC Capital Income Fund, LLC

LBC Capital Income Fund, LLC pays us to be listed, so there is no fee to connect with them directly.

Stay Informed About Private Lending

Receive our monthly newsletters with valuable insights and industry updates
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BEFORE YOU CONTACT THIS LENDER

Our Minimum Loan Amount Is

$250,000

What we do:
Purchase Bridge Loans
Refinance Bridge Loans
Equity Cash Out Loans
2nd Mortgages in California
Fast Closings
Lending on Residential Properties
Lending on Commercial Properties
What we don’t consider:
Rural Areas
2nd Mortgages outside California
Rehab Funds
Construction Loans
Land Loans
Specialty Commercial Properties

Contact LBC Capital Income Fund, LLC

LBC Capital Income Fund, LLC pays us to be listed, so there is no fee to connect with them directly.
818-928-6850 818-928-XXXX
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