Our hard money loans are designed to be flexible
This means we can customize the loan terms to fit your specific circumstances. We provide larger loan amounts than traditional lenders and work with you to ensure you obtain the financing necessary for success. Since we manage our own funds, we can make decisions quickly, allowing you to access the money you need promptly.
Loan Programs
1. Refi’s & purchases
Residential, commercial and multifamily
1st Liens
- Up to 80% LTV
- Start rate of 9% IO
- 12 – 24 months loan term
- 3 – 6 months prepay
- Land (4 acres or less)
- 620 Minimum fico
2nd Liens
- Up to 65% CLTV
Commercial
1st Liens
- Up to 75% LTV (may go higher in some cases)
- Start rate of 9% Interest Only
- 12-24 months
- Must debt-service or have plan to debt-service
- Internal valuation or BPO
- Need Environmental Report (in some cases)
2nd Liens
- Up to 60% CLTV
- 11-16% Interest Only
- 1st lien must be conventional bank & must agree to junior lien
Please, note: We aim to provide a personalized approach with this program, which serves to inform and give you a general idea of what to expect when deciding whether to secure funding with us. Please note that these criteria may vary based on your specific property and circumstances.
2. Fix and flip
Residential, commercial and multifamily
1st Liens
- Up to 80% LTV
- Start rate of 9% IO
- 12 – 24 months loan term
- 3 – 6 months prepay
- Land (4 acres or less)
- 620 Minimum fico
2nd Liens
- Up to 65% CLTV
Please, note: We aim to provide a personalized approach with this program, which serves to inform and give you a general idea of what to expect when deciding whether to secure funding with us. Please note that these criteria may vary based on your specific property and circumstances.
Why us
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Experience lightning-fast results in just 3-7 days with our exceptional financing solutions.
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Benefit from competitive rates beginning at 8.99%.
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Flexible Loan-to-Value ratios of up to 80%.
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We welcome applicants with credit scores of 450 and above.
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Experience a seamless process with minimal documentation needed.
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Expertly serve a wide variety of property types.
Benefits of Our Hard Money Loans
Fast Approval
Our simplified application process and minimal documentation requirements allow us to approve loans swiftly, often within 24 hours.
Large Loan Amounts
We provide larger loan amounts than traditional lenders, ensuring you receive the necessary financing for your success.
Experienced Lenders
Our team of seasoned lenders possesses extensive knowledge of the real estate market and can assist you in making well-informed investment decisions.
Competitive Interest Rates
We provide competitive interest rates starting at 8.99% on our hard money loans, allowing you to minimize costs while securing the financing you need.
Flexible Loan Terms
We recognize that each borrower has unique needs, so we offer flexible loan terms to accommodate your specific requirements. We collaborate with you to design a loan that aligns with your budget and timeline.
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.
Our loan products include
At LBC Capital, we are committed to helping borrowers like you get the financing you need to succeed. Whether you’re a new investor just starting out or an experienced pro looking for larger loan amounts and more flexibility, we have the loan options to meet your needs. Contact us today to learn more about our hard money loans and to start the application process.
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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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
Learn MoreAt 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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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
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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.