Lending Capital offers accredited investors the opportunity to earn superior returns through trust deed investments secured by California real estate. Our investor programs provide consistent monthly income, asset-backed security, and professional loan servicing — managed end-to-end by our experienced team.
Why Invest With Lending Capital?
Trust deed investing with Lending Capital provides accredited investors with an alternative to volatile stock markets and low-yield bonds. Your investment is secured by a recorded deed of trust on California real property — a tangible, traceable asset.
We target loan-to-value ratios of 60% or less, meaning there is at least 40% equity cushion protecting your principal. Every loan carries title insurance and hazard insurance. We handle all borrower communications, servicing, collections, and legal proceedings on your behalf.
Note rates typically range from 7% to 13% annually, paid monthly. Investors may choose to reinvest monthly payments or receive them as income. Trust deed investments are available for IRAs and self-directed retirement accounts.
Why Choose Us
7%–13% Annual Returns
Competitive note rates paid monthly, secured by first or second trust deeds on California real estate.
Up to 60% LTV
A minimum 40% equity cushion on every loan protects your principal against market fluctuations.
Title & Hazard Insurance
Every loan carries lender's title insurance and is named on the borrower's hazard insurance policy.
IRA Eligible
Trust deed investments are approved for self-directed IRAs and other retirement accounts.
Monthly Income
Receive monthly interest payments directly to your account or reinvest for compounding returns.
Full Loan Servicing
We handle all servicing, collections, foreclosure proceedings, and legal issues on your behalf.
All 58 California Counties
We have active investors and place loans across all 58 California counties — from Los Angeles to the Bay Area, Central Valley, and beyond.
Getting Started as a Trust Deed Investor
To begin investing, contact our investor relations team at (800) 648-0690. We will review your investment objectives, risk tolerance, and available capital to identify suitable loan opportunities.
Accredited investors receive access to our current loan inventory, including property details, borrower profiles, appraisals, and title reports for each opportunity. You select the loans that fit your criteria.
Once a loan is funded, you receive a copy of the recorded trust deed, the promissory note, and all supporting documentation. Monthly statements and year-end tax documents are provided by our servicing department.
Start Earning With California Trust Deed Investments
California's direct hard money lender — equity-based private money loan approvals, no bank red tape.