Our Strengths

  • Quick support: securing underwriting promptly after receiving your request.

  • Assisting you with all types of property

  • Rates starting at 8.99%

  • Arranging loans for you ranging from $150K to $30 million

Buildings

Programs

  • Residential loans preview

    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.

    Multifamify

    1st Liens

    • Loan-to-Value (LTV) up to 75%.
    • Interest rates starting from 9.99%.
    • Loan term options ranging from 12 to 24 months.
    • Minimum FICO score of 600, with exceptions considered for lower scores.

    2nd Liens

    • Combined Loan-to-Value (CLTV) up to 65%.
    • Customized financing solutions tailored to your specific needs and circumstances.

    Residential

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  • Fix and flip loans preview

    Commercial loan options

    1st Liens

    • Loan-to-Value (LTV) up to 75%.
    • Starting interest rate from 9.99%.
    • Loan term options ranging from 12 to 24 months.
    • Minimum FICO score of 600, with exceptions considered for lower scores.

    2nd Liens

    • Combined Loan-to-Value (CLTV) up to 65%.
    • Requires a conventional bank 1st lien, with the bank agreeing to subordinate our junior lien.
    • Ideal for businesses seeking additional financing or working capital.

    Commercial

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  • Fix and flip loans preview

    At LBC Capital, we offer flexible fix-and-flip loan options for residential properties (1-4 units) to help you turn your renovation projects into profitable investments.

    Loan terms

    • Loan-to-Construction (LTC) up to 85%.
    • Loan-to-After-Repair Value (LTARV) up to 65%.
    • Starting interest rate from 10%.
    • Minimum credit score of 640.
    • Loan term options: 12 months, with longer terms available depending on the specific scenario.

    Eligibility

    • “No-experience” flippers considered on a case-by-case basis
    • Marketable location is a requirement

    Fix and Flip

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  • Bridge loans preview

    General guidelines

    • Loan Amount: $150,000 to $25,000,000.
    • Loan Term: 12 months, interest-only, with longer terms available in some cases (up to 24 months).
    • Credit Score: Not credit score driven, making it accessible to a wider range of borrowers.
    • Prepayment Premium: Case by case basis.
    • Broker Fees: Minimum of 2 points, case by case.
    • Lender Fees: Average of $2,500.
    • Other Fees: Valuation and due diligence fees vary depending on the transaction.

    Underwriting guidelines

    • Experience: First-time investors have a maximum LTV of 65%.
    • Income Verification: Simple documentation required.
    • Down Payment: No source or equity required.
    • Appraisal Process: We offer a streamlined process and cost, contact your Account Executive to learn more.
    • Impounds: None.
    • Foreign Investors: Maximum LTV of 65%.

    Bridge Loans

    Learn More

LBC Capital

LBC Capital is a leading hard money lender with over 20 years of experience in real estate finance, renowned for its strong reputation.

Our personalized lending approach addresses each borrower’s unique circumstances, enabling you to concentrate on expanding your portfolio while we handle the necessary financing.

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Buildings

Unlock the Secrets to Building Your Property Empire

Your Blueprint to Real Estate Wealth

Ready to turn your real estate aspirations into reality? Explore our exclusive blueprint for real estate wealth – a comprehensive roadmap designed to provide you with the knowledge, tools, and resources needed to build your property empire from the ground up. Start your journey today and make your dreams of real estate success a profitable reality with LBC Capital.

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We manage own funds that helps us act fast and get flexible

As part of a financial group, LBC Capital raises funds through the LBC Capital Debt Income Fund. This fund is exclusively for accredited investors who invest in real estate loans, enabling us to stay at the forefront of the real estate investment market.

Our members enjoy 8% returns and low-risk investment opportunities.

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2 women

Investment Journey Roadmap

  • Step 1:

    Evaluation of Your Situation


    Our journey together begins with understanding your unique situation. We’ll assess your investment goals, financial standing, and property aspirations to tailor a financing solution that perfectly fits your needs.

  • Step 2:

    Customized Financing Solutions


    Armed with insights from the evaluation stage, we’ll craft personalized financing options designed specifically for you. Whether you’re diving into a fix-and-flip project or venturing into commercial real estate, we have the right loan products to fuel your success.

  • Step 3:

    Expert Guidance and Support


    No need to navigate the complexities of real estate finance alone. Our team of seasoned professionals is here to provide expert guidance and support at every turn. From loan structuring to closing, we’ll be with you every step of the way.

  • Step 4:

    Seamless Application Process


    Say goodbye to paperwork headaches and long wait times. Our streamlined application process ensures a hassle-free experience from start to finish. Submit your application with ease and let us take care of the rest.

  • Step 5:

    Timely Approval and Funding


    In real estate, time is of the essence. That’s why we prioritize swift approval and funding, enabling you to seize lucrative opportunities without delay. Trust our efficient process to keep your investments progressing smoothly.

  • Step 6:

    Ongoing Support + Relationship


    Our commitment to your success extends beyond funding. Rely on us for continuous support and a lasting relationship built on trust and transparency. Whether you have questions or need advice, we’re always here to assist you.

Why us

  • Experience lightning-fast results in just 3-7 days with our exceptional financing solutions.

  • Benefit from competitive rates beginning at 8.99%.

  • Flexible Loan-to-Value ratios of up to 80%.

  • We welcome applicants with credit scores of 450 and above.

  • Experience a seamless process with minimal documentation needed.

  • Expertly serve a wide variety of property types.

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Our team

Empowered package

  • Flexible Financing Solutions to Fuel Your Success:


    Maximize your real estate investments with our adaptable financing solutions. Whether you need funds for a fix-and-flip project, new construction, or a bridge loan, we offer customized financial products to fit your requirements. With competitive rates and fast processing, LBC Capital enables you to take advantage of profitable opportunities and reach your investment goals with ease.

  • Expert Guidance for Your Unique Investment Journey:


    At LBC Capital, we do more than just provide loans – we guide you through every step of your investment journey. Our team of seasoned professionals knows that every investment scenario is unique. Whether you’re an experienced investor or just beginning, we offer personalized guidance tailored to your specific goals and circumstances. From initial consultation to loan structuring and beyond, you can rely on us to be your trusted partner in real estate finance.

  • Streamlined Process, Hassle-Free Experience:


    Leave the complexities of traditional lending behind and embrace a hassle-free borrowing experience with LBC Capital. Our straightforward application process and fast approval timeline ensure you get the financing you need promptly. Whether you’re a veteran investor or just starting out, our user-friendly approach to lending makes securing funding for your real estate projects simple and easy.

Testimonials

R
Raina A. Seattle, WA

“LBC Capital stood out as quick, professional, and honest compared to other brokers and major financial institutions. They closed our escrow on time with reasonable costs. After negotiating with various brokers and lenders, we quickly recognized that LBC Capital was our top choice. Alex and his team were not only prompt but also highly dependable.”

V
Valeriy U. Spokane, WA

“Underpromised and overdelivered! I was purchasing property in Palm Springs, North Carolina to use as an Airbnb rental. Every property I pursued had multiple offers, and I had to compete with other buyers. A hard money loan was my only option. On my realtor's recommendation, I contacted LBC Capital and spoke with Vladimir Isperov.”

D
David Cooper Tacoma, WA

“LBC Capital assisted me in securing a remodeling loan to upgrade a condo and prepare it for sale. They swiftly processed my documents, approved the loan, and wired the funds, all within two weeks. I want to personally thank Vladimir, Rico, and Ani for their availability at any time, day or night. Even after the loan was funded, they continued to provide support.”

C
Chad Young Spokane, WA

“It was very easy to do a cash-out refinance with them. Thanks to them I added another Airbnb to my portfolio. They work fast, know their business, and go above and beyond to get you the result you are looking for.”

  • 1.  How do I apply for a hard money loan?

    The application process begins with completing a loan application and submitting necessary documents, such as a credit report, property income details, title report, and property valuation. Our underwriting department then reviews the documentation and advises our loan committee for the final decision.

  • 2.  What types of properties can be financed with hard money loans?

    Hard money loans are typically used for investment properties such as fix-and-flip projects, rental properties, or commercial real estate. Eligible properties include single-family homes, multi-family units, office buildings, retail spaces, hotels, and industrial properties.

  • 3.  How fast can I get funded with a hard money loan?

    Hard money loans can be funded much quicker than traditional loans, often within a few days or weeks. Our streamlined application and approval process, along with in-house underwriting and processing, contribute to the speedier funding.

  • 4.  Can I refinance my existing mortgage with a hard money loan?

    Yes, some lenders provide hard money refinance loans that let you refinance your current mortgage using the equity in your property. These loans often have higher interest rates than conventional refinance loans and might take longer to process.

  • 5.  What is the maximum amount I can borrow through a hard money loan?

    The loan amount you can secure with a hard money loan depends on the value of the property being used as collateral. Lenders usually offer up to 70% of the property's value, although some may provide higher or lower loan-to-value ratios based on the property's worth and the borrower's credit profile.

Collage with construction

Fast and flexible financing for your real estate investment projects in North Carolina

Discover quick and flexible financing options for your North Carolina real estate projects with LBC Capital. Our wide range of property-secured hard money loans includes fix-and-flip, bridge, and construction loans. Our dedicated team will carefully evaluate your needs and guide you through the entire loan process. Enhance your real estate endeavors by contacting us today and accessing customized financing solutions.

    Get a free consultation

    Fill out a simple form, and we'll get in touch to provide you with personalized loan program assistance.