Submitting a loan scenario to Lending Capital is fast and straightforward. Our team reviews every scenario same-day and provides a written pre-approval or declination with clear reasoning — so you can give your clients a definitive answer quickly.
What to Include in Your Submission
To receive a fast, accurate pre-approval, include the following in your initial scenario: property address and type, estimated current market value, requested loan amount and lien position, loan purpose (purchase, refinance, cash-out, etc.), brief description of any credit or income issues, and your client's intended exit strategy.
You do not need a full package to get a pre-approval. A phone call or short email is sufficient for an initial response. Full documentation is only required once we have issued a term sheet.
Call us at (800) 648-0690 or email our team to submit your scenario. We respond within the same business day in most cases.
Why Choose Us
Same-Day Response
Receive a written pre-approval or declination the same business day you submit.
No Fee to Submit
There is no cost to submit a scenario or receive a pre-approval from our team.
Broker Protected
Your client relationship and commission are fully protected on every submission.
Clear Term Sheet
Approved loans receive a clear, written term sheet within 24–48 hours of submission.
Submission Checklist for Full Loan Packages
For residential properties: Lending Capital Submission Form, 1003 & 1008, Signed Borrower Authorization, Credit Report, Two Forms of ID, 15–20 Property Photos or Appraisal, Proof of Insurance (Declaration Page), Proof of Funds for purchase transactions.
For commercial properties: 1003 for signatory, Signed Borrower Authorization, Credit Report, Two Forms of ID plus Business License, 15–20 Photos or MAI Appraisal, Insurance Declaration, Articles of Incorporation or Organization, Operating Agreement, Rent Roll & Expense Report, YTD P&L Statement.
Questions? Call (800) 648-0690 or email info@lendingcapitalonline.com. Our team is available Monday–Friday 9:00 AM – 5:00 PM Pacific.
Submit Your Deal — Get a Response Today
California's direct hard money lender — equity-based private money loan approvals, no bank red tape.