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.
Key Advantages
One of the key advantages of working with LBC Capital is our flexibility. We understand that every real estate deal is different, and we’re committed to finding a loan solution that meets your clients’ unique needs. Whether they need a short-term fix and flip loan or a longer-term buy and hold loan, we have the expertise and experience to make it happen.
But we don’t just offer quick funding and flexible terms – we also provide unparalleled service and support to help you and your clients succeed. Our team of loan experts is always available to answer questions, provide guidance, and help your clients navigate the loan process from start to finish.
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.
Here's a closer look at the hard money loans we offer
Residential and commercial loans
We provide loans for a wide range of residential and commercial properties, including single-family homes, multi-family properties, and mixed-use buildings.
Fix and flip loans
Our fix and flip loans are designed for real estate investors who need funding to purchase and renovate properties for resale. With up to 85% LTC and 65% LTARV, we offer competitive rates and flexible terms to help your clients succeed.
Reimbursement-only loans
We also offer reimbursement-only loans for real estate investors who have already purchased a property and need funding for renovations. With rates as low as 8-11% interest only, we can provide the financing your clients need to complete their projects and maximize their ROI.
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.
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.