Lending Capital offers wholesale brokers access to a full suite of private money loan programs. Our programs are designed for borrowers who do not qualify for conventional financing — hard-to-place, time-sensitive, and complex transactions are our specialty.
Our Private Money Programs
Residential Hard Money — Loans on 1–4 unit properties. No income verification. No minimum credit score. Purchase, refinance, cash-out, and foreclosure bailout. $50K–$2M in first position.
Commercial Hard Money — Loans on office, retail, industrial, warehouse, mixed-use, and multi-family properties. $250K–$5M. Up to 60% LTV based on current appraised value.
Bridge Loans — Short-term financing to bridge the gap between purchase and permanent financing, or to stabilize and reposition a property. 6–24 month terms.
Fix & Flip — Rehab financing for real estate investors purchasing distressed properties. We lend on as-is value with potential to fund a portion of renovation costs.
Probate & Estate Loans — Financing for inherited properties, trust-owned real estate, and estates in probate. We work directly with trustees, executors, and estate attorneys.
2nd Position Loans — Second trust deed loans available on select transactions where sufficient equity exists behind a performing first mortgage.
Why Choose Us
SISA / No-Doc Available
Stated income, stated asset, and no-documentation programs for non-owner-occupied and investment properties.
Trusts, LLCs & Corps
We lend to trusts, LLCs, corporations, and other legal entities — not just individual borrowers.
Bankruptcy & NOD OK
Recent bankruptcies, notices of default, and foreclosures are accepted on most programs.
Construction & Rehab
Fix-and-flip and ground-up construction financing available for qualified investors.
Business Purpose OO
Owner-occupied loans available on a business-purpose basis per California regulations.
Property Inspection OK
BPO or property inspection accepted in lieu of formal appraisal on select transactions.
Loan Parameters
First Position Loans: $50,000 – $2,000,000 (residential) / $250,000 – $5,000,000 (commercial)
Second Position Loans: $100,000 – $1,000,000
Maximum LTV: 60% (exceptions considered case-by-case)
Loan Terms: 6 – 36 months, interest-only
Approval Time: As little as 24 hours
Closing Time: 7–10 days (residential) / 14–21 days (commercial)
Geographic Area: All 58 California Counties
For complete program details and to discuss a specific scenario, call (800) 648-0690.
Access California's Full Private Money Menu — Submit a Scenario Today
California's direct hard money lender — equity-based private money loan approvals, no bank red tape.