Lending Capital is California's direct private money lender. We approve loans based on the equity in your property — not your credit score, tax returns, or employment history. Whether you're facing foreclosure, closing an investment deal, or settling a probate estate, we have a loan program designed for your situation.
Who We Lend To
We serve a wide range of borrowers who may not qualify for conventional financing. Our loan programs are built for real-world situations — not ideal credit profiles.
Our borrowers include real estate investors needing fast closings, homeowners facing foreclosure or NODs, self-employed individuals without traditional income documentation, probate estates requiring bridge financing, and borrowers with low FICO scores or prior bankruptcies.
As a direct lender — not a broker — we make our own underwriting decisions and fund loans from our own capital. This means faster approvals, fewer conditions, and reliable closings.
Why Choose Us
No Credit Minimum
We approve based on property equity, not FICO scores. Bad credit, bankruptcies, and foreclosures are all accepted.
Same-Day Pre-Approvals
Receive a decision the same day you apply. We move at the speed your situation demands.
Close in 7 Days
Average closing time of 7 business days. Emergency closings available when needed.
No Income Documentation
No tax returns, pay stubs, or employment verification required for most programs.
All Property Types
Single family, condos, multi-unit, commercial, industrial, land, and mixed-use properties.
Broker Protected
We fully protect all referring broker relationships and commissions on every transaction.
How Our Loan Process Works
Step 1 — Submit your loan request with basic property information and your goal.
Step 2 — Receive a same-day pre-approval based on your property's equity.
Step 3 — We order a property inspection or appraisal and review title.
Step 4 — Loan documents are prepared and sent to escrow.
Step 5 — Funding typically occurs within 7–10 business days.
Our team guides you through every step. Call us at (800) 648-0690 to get started.
Get Pre-Approved Today — No Credit Check Required
California's direct hard money lender — equity-based private money loan approvals, no bank red tape.