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.
Our Strength
- Same day underwriting
- Almost all types of properties
- Rates from 9.99%
- Loans from $150K to $30 mil
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
Read moreRETAIL, 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
Read moreRESIDENTIAL (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
Read moreGENERAL 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.
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 helps 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 reviewsWhy 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
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.
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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.