Lending Capital works with wholesale brokers across California to provide residential and commercial hard money loans. Whether you're a seasoned broker or submitting your first private money loan, we offer competitive programs, dedicated account support, and quick funding solutions. We protect broker interests and value the key role you play in our success. Loan amounts range from $50K–$2M in first position and $100K–$1M in second position, with approvals in as little as 5 days across all 58 California counties.
Why Brokers Choose Lending Capital
As a direct California private money lender, we make our own underwriting decisions and fund loans from our own capital — so your deals close reliably and on time. We move at the speed your clients demand, without the red tape of traditional banks.
We fully protect your commissions and client relationships. Every transaction is broker protected, and you're assigned a dedicated account representative who supports you from submission through funding.
Our programs accept foreclosure, bankruptcy, NOD, and bad credit scenarios across all property types — single family, 1–4 units, commercial, industrial, apartments, and mixed-use.
Why Choose Us
Broker Protected
We fully protect your commissions and client relationships on every transaction.
Fast Closings
Approved and funded in as little as 5 days across all 58 California counties.
Flexible Programs
Foreclosure, bankruptcy, NOD, and bad credit scenarios — all accepted.
All Property Types
SFR, 1–4 units, commercial, industrial, apartments, and mixed-use properties.
Competitive Loan Amounts
$50K–$2M first position loans and $100K–$1M second position loans.
Dedicated Support
A personal account representative guides every broker partner from submission to funding.
Loan Submission Requirements
Residential submissions require a Lending Capital submission form, 1003 & 1008, signed borrower's authorization, credit report, two forms of ID, 15–20 interior/exterior photos or an appraisal report, proof of insurance declaration page, proof of funds, and income documentation (2 months pay stubs and last 2 tax returns for owner-occupied; 2 years tax returns for self-employed).
Commercial submissions require a 1003 for signatory, signed borrower's authorization, credit report, two forms of ID plus business license, 15–20 photos or MAI appraisal, insurance declaration page, articles of incorporation or organization, operating agreement, rent roll & expense report, and a year-to-date profit and loss statement.
Loan features include SISA / SIVA / No Doc options for non-owner-occupied and investment properties, probate and estate loans, construction and rehab loans, loans for trusts and LLCs, owner-occupied business purpose loans, and property inspection in lieu of appraisal on a case-by-case basis.
Submit a Loan Scenario — Broker Protected, Same-Day Pre-Approvals
California's direct hard money lender — equity-based private money loan approvals, no bank red tape.