Lending Capital provides hard money loans on commercial, industrial, and mixed-use properties across California. Our commercial programs offer competitive loan-to-value ratios, fast approvals, and minimal documentation requirements — ideal for investors and business owners who need capital quickly.
Commercial Hard Money Lending
We fund commercial real estate transactions including office buildings, retail centers, warehouses, industrial properties, apartment complexes, mixed-use developments, and special-use properties throughout California.
Our commercial loan programs are asset-based, with approval driven by the property's current value and income potential. We do not require the same documentation as a conventional lender — no tax returns, no debt service coverage ratios, no lengthy underwriting timelines.
Loan amounts range from $250,000 to $5,000,000. Terms from 12 to 36 months. First and second lien positions available. We fund bridge loans, acquisition financing, cash-out refinances, and stabilization loans.
Why Choose Us
Loan Amounts $250K–$5M
Commercial loans from $250,000 up to $5 million secured by income-producing properties.
Up to 60% LTV
Competitive loan-to-value ratios based on current appraised value or BPO.
Minimal Documentation
No tax returns or DSCR requirements. We focus on the asset, not the borrower's financials.
All Commercial Types
Office, retail, industrial, warehouse, mixed-use, multi-family, and special-use properties.
Fast Closings
Approval in 24–48 hours. Funding in 7–21 business days depending on deal complexity.
Bridge Financing
Short-term bridge loans to stabilize, reposition, or refinance into conventional financing.
Required Documents for Commercial Submissions
Commercial loan submissions require: 1003 for the signatory, signed borrower's authorization, credit report, two forms of ID plus business license, 15–20 property photos or MAI appraisal, insurance declaration page, articles of incorporation or organization, operating agreement, rent roll and expense report, and a year-to-date profit and loss statement.
We work with borrowers, property owners, and wholesale brokers on all commercial submissions. Broker protection is guaranteed on every transaction.
Contact our commercial lending team at (949) 409-8015 to discuss your scenario.
Fast Commercial Hard Money Loans Across California
California's direct hard money lender — equity-based private money loan approvals, no bank red tape.