Lending Capital partners with mortgage brokers, loan officers, and real estate professionals across California to provide fast, reliable private money financing for their clients. We are a direct private money lender backed by a network of private investors — not a broker — which means faster approvals, fewer conditions, and reliable funding you can count on.
Why Brokers Partner With Lending Capital
As a direct private money lender, we source capital from a network of private investors and make our own credit decisions in-house. There are no third-party broker approvals, no unexpected investor overlays, and no last-minute funding surprises. When we issue a pre-approval, you can count on it.
We have been serving California's broker community since 2003. Our team understands the urgency of private money transactions and is committed to delivering results for your clients — and protecting your client relationships and commissions throughout the process.
Brokers receive dedicated account support, same-day pre-approvals, and competitive compensation on every funded loan. We cover residential, commercial, industrial, mixed-use, and land transactions statewide.
Why Choose Us
Broker Protected
We fully protect your commission and client relationship on every transaction — guaranteed.
Same-Day Pre-Approval
Submit a scenario and receive a written pre-approval the same business day.
Direct Lender
No broker middlemen. We make our own credit decisions in-house, backed by our network of private investors.
All 58 Counties
We lend on residential and commercial properties in all 58 California counties.
Flexible Programs
NOD, foreclosure, bankruptcy, low FICO, no-doc, and hard-to-place loans are welcome.
Fast Closings
Most residential loans close in 7–10 business days. Commercial in 14–21 business days.
How to Submit a Loan
Submitting a loan scenario is simple. Call us at (800) 648-0690 or email our team with basic property information, borrower background, and the requested loan amount. We will respond with a same-day pre-approval.
For full loan submissions, we require: Lending Capital submission form, 1003, signed borrower authorization, credit report, two forms of ID, property photos or appraisal, and proof of insurance.
Once approved, we issue a term sheet, order title, and coordinate with your escrow company to close on your timeline. Our team is available throughout the process to answer questions and provide status updates.
Submit Your Next Deal — Approval in 24 Hours
California's direct hard money lender — equity-based private money loan approvals, no bank red tape.