Owner Occupied Hard Money Loans
Use your primary residence for business funding — same-day pre-approval available.
Business Funding Secured by Your Home
Traditional lenders often reject applications that use primary residences as collateral. That's where Lending Capital comes in — with owner-occupied hard money loans designed specifically for business purposes.
Why Choose Lending Capital
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Expert Navigation
We handle the complex regulations surrounding owner-occupied business loans.
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Flexible Underwriting
No rigid credit score requirements — we focus on your business purpose.
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Same-Day Pre-Approval
Fast approvals so you can move on your business opportunity.
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Legal & Compliant
Full disclosure compliance — we do it right every time.
Loan Requirements
Proof of ability to repay
Full disclosure compliance
Limited use to business — not personal — expenses
Additional taxes and insurance may apply
Loan Benefits
✓No prepayment penalties
✓Available to borrowers with past foreclosures or bankruptcies
✓Fast closings, even for non-traditional borrowers
Ready to Move Fast?
Your Deal Won't
Wait. Neither Do We.
Approvals in 6–24 hours. Funded in as little as 7 days. No minimum credit score. California's fastest hard money lender for private money loans.