Find answers to frequently asked questions about hard money loans, trust deed investing, and the private money lending process. Our resource section is designed to help borrowers, investors, and brokers understand what to expect when working with Lending Capital.
Frequently Asked Questions
What is a hard money loan? A hard money loan is a short-term, asset-based loan secured by real property. Approval is based primarily on the equity in the property rather than the borrower's credit or income.
How fast can you close? Most residential loans close in 7–10 business days. In urgent situations — active foreclosure, auction deadlines — we can close in as little as 3–5 business days.
What credit score do I need? We do not have a minimum credit score requirement. Approval is based on the property's equity and the borrower's ability to repay or refinance.
Can I get a hard money loan if I am in foreclosure? Yes. Foreclosure bailout loans are one of our most common programs. We can often stop a foreclosure sale if there is sufficient equity in the property.
What are your interest rates? Rates typically range from 9% to 13% depending on loan-to-value, lien position, property type, and loan size. Points range from 2% to 4% of the loan amount.
Why Choose Us
Hard Money Basics
Learn what hard money loans are, who they are for, and how the approval process works.
Foreclosure Help
Understand your options if you are behind on payments or facing a Notice of Default.
Trust Deed Investing
Learn how to invest in California trust deeds and earn high-yield secured returns.
Broker Resources
Submission checklists, program guidelines, and contact information for broker partners.
Understanding Private Money Lending
Private money lenders like Lending Capital operate outside the traditional banking system, providing loans based on real estate equity rather than conventional underwriting guidelines. This allows us to move faster, accept more complex borrower profiles, and fund transactions that banks cannot.
All of our loans are business-purpose loans secured by California real estate. We are licensed by the California Department of Real Estate (DRE) and operate in compliance with all applicable state regulations.
For specific questions about your situation, call our team at (949) 409-8015. We are happy to explain your options with no obligation.
Have a Question? Our Team Is Ready to Help.
California's direct hard money lender — equity-based private money loan approvals, no bank red tape.