LBC Capital
6350 Laurel Canyon, Suite 350
North Hollywood, CA 91606
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About LBC Capital
Headquartered in North Hollywood, CA, LBC Capital is a private money lender providing funding in California, Oregon, and Washington. They offer cash out hard money loans, loans for investments properties, commercial loans, short term loans, hard money construction loans, and fix-and-flip loans. They issue rates ranging between 8% and 12%, terms between 6 months and 3 years, and loan amounts ranging from $50,000 to $5,000,000 with a maximum LTV of 80%. They are able to lend funds to all borrowers based on the property value and do not require a minimum credit score. They will make loans on all the following types of properties: single family homes, multi-family, retail spaces, office buildings, industrial facilities, and mixed use.
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Loan Types Offered: Investment Property Loans, Fix and Flip Loans, Commercial Hard Money Loans, New Construction Loans, Refinance / Cash Out Loans, Bridge Loans
Property Types Covered: Single Family, Multi Family, Retail, Office, Industrial, Mixed Use
Areas Served: CA, OR, WA
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Lending Guidelines for LBC Capital
Below are the general loan guidelines published on the LBC Capital website. Please confirm all terms and rates directly with the lender.
Investment Property Loans
Loan Amounts: $50,000 - $5,000,000
Available Rates: 8% - 12%
Typical Terms: 6 months - 36 months
Points Charged: 1% - 3%
Max Loan-to-Value (LTV): 80%
Max Loan-to-Cost (LTC): N/A
Owner Occupied Allowed: N/A
Interest Only Loans: YES
Prepayment Penalties: N/A
Minimum FICO Score: NO
Time to Close: 7 DaysFix and Flip Loans
Loan Amounts: $50,000 - $5,000,000
Available Rates: 8% - 12%
Typical Terms: 6 months - 36 months
Points Charged: 1% - 3%
Max Loan-to-Value (LTV): 80%
Max Loan-to-Cost (LTC): N/A
Owner Occupied Allowed: N/A
Interest Only Loans: YES
Prepayment Penalties: N/A
Minimum FICO Score: NO
Time to Close: 7 DaysCommercial Hard Money Loans
Loan Amounts: $50,000 - $5,000,000
Available Rates: 8% - 12%
Typical Terms: 6 months - 36 months
Points Charged: 1% - 3%
Max Loan-to-Value (LTV): 80%
Max Loan-to-Cost (LTC): N/A
Owner Occupied Allowed: N/A
Interest Only Loans: YES
Prepayment Penalties: N/A
Minimum FICO Score: NO
Time to Close: 7 DaysNew Construction Loans
Loan Amounts: $50,000 - $5,000,000
Available Rates: 8% - 12%
Typical Terms: 6 months - 36 months
Points Charged: 1% - 3%
Max Loan-to-Value (LTV): 80%
Max Loan-to-Cost (LTC): N/A
Owner Occupied Allowed: N/A
Interest Only Loans: YES
Prepayment Penalties: N/A
Minimum FICO Score: NO
Time to Close: 7 DaysRefinance / Cash Out Loans
Loan Amounts: $50,000 - $5,000,000
Available Rates: 8% - 12%
Typical Terms: 6 months - 36 months
Points Charged: 1% - 3%
Max Loan-to-Value (LTV): 80%
Max Loan-to-Cost (LTC): N/A
Owner Occupied Allowed: N/A
Interest Only Loans: YES
Prepayment Penalties: N/A
Minimum FICO Score: NO
Time to Close: 7 DaysBridge Loans
Loan Amounts: $50,000 - $5,000,000
Available Rates: 8% - 12%
Typical Terms: 6 months - 36 months
Points Charged: 1% - 3%
Max Loan-to-Value (LTV): 80%
Max Loan-to-Cost (LTC): N/A
Owner Occupied Allowed: N/A
Interest Only Loans: YES
Prepayment Penalties: N/A
Minimum FICO Score: NO
Time to Close: 7 Days -
Loan Examples
The following loans are for education purposes only. They do not represent actual loans executed by LBC Capital.
Loan Example 1
Warren takes a private money loan from LBC Capital in order to rehab a property to resale in Los Angeles, CA. The sales price of the property is $300,000. The loan-to-value (LTV) on the note is 60%. This means Warren will bring 40% of the sales price to the closing and the principle amount will be $180,000 on the deal. The parameters of the deal dictate a 13% note for 6 months. They also stipulate a 5 point origination fee, that will also need to be paid when the property closes.
Accordingly, the borrower will need to make a $120,000 down payment in addition to paying a $9,000 origination fee. Once the loan closes, he will pay the lender $1,950 in monthly interest payments, or 13% times $180,000 divided by 12 months in a year. At the end of the loan, he sells the rehabed property for $360,000. After deducting the $11,700 in total interest payments ($1,950 times 6 months), the $9,000 origination fee, the $180,000 principle amount on the loan, and the $120,000 he brought to the closing, he will earn a gross profit of $39,300 ($360,000 price minus $320,700 in costs). This amount would be reduced by any renovation costs paid by the borrow.
Loan Example 2
Daryl finds a house in Los Angeles, CA to renovate and re-sell. Because he does not have enough cash to buy the property outright, he takes a fix and flip loan from LBC Capital with the following parameters:
a) A $320,000 sales price, b) a 70% loan-to-value (LTV), c) a 12 month term, d) a 11% interest rate, and e) a 2% origination fee.
Based on a $464,000 sales price at the end of the 12 month term, the numbers for the project would look like the following:
$464,000 sales price
- $224,000 note principle (70% LTV)
- $96,000 cash paid at closing (30% on 70% LTV)
- $4,480 origination fee (2% of the $224,000 principle amount)
- $24,640 total interest paid (12 months x 11% interest)
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= $114,880 gross profit (does not include taxes or renovation costs) -
Yelp! Review
by James A. 11/13/2024 I was in a tough situation and needed a cash-out refinance for a commercial property quickly. Vladimir helped structure the loan perfectly, and the in-house...
Read more on Yelp!I was in a tough situation and needed a cash-out refinance for a commercial property quickly. Vladimir helped structure the loan perfectly, and the in-house...
Read more on Yelp!Yelp! Review
by Kian L. 11/05/2024 I work for myself, so I had trouble getting a loan from traditional banks, plus these lengthy approval times were killing my sanity. Rico helped me secure a...
Read more on Yelp!I work for myself, so I had trouble getting a loan from traditional banks, plus these lengthy approval times were killing my sanity. Rico helped me secure a...
Read more on Yelp!Yelp! Review
by Johana S. 10/23/2024 Even when other lenders were unable to provide assistance, this team came through with a hard money loan for my ground-up construction project. I worked...
Read more on Yelp!Even when other lenders were unable to provide assistance, this team came through with a hard money loan for my ground-up construction project. I worked...
Read more on Yelp!Yelp! Review
by Alfred S. 10/18/2024 A bridge loan was truly necessary for my investment property, but the bank declined me. Vladimir was a Godsend and helped me secure a hard money loan in...
Read more on Yelp!A bridge loan was truly necessary for my investment property, but the bank declined me. Vladimir was a Godsend and helped me secure a hard money loan in...
Read more on Yelp!Yelp! Review
by Thomas W. 10/08/2024 Time was of the essence for me on a commercial real estate opportunity, but the bank declined me because of my previous bankruptcy. My broker recommended I...
Read more on Yelp!Time was of the essence for me on a commercial real estate opportunity, but the bank declined me because of my previous bankruptcy. My broker recommended I...
Read more on Yelp!Yelp! Review
by Inga O. 09/12/2024 I needed to refi, and I was running out of options. That's when I met Rico. He didn't sugarcoat things--he told me straight up that the rate would be higher...
Read more on Yelp!I needed to refi, and I was running out of options. That's when I met Rico. He didn't sugarcoat things--he told me straight up that the rate would be higher...
Read more on Yelp!Yelp! Review
by Mauricio C. 08/22/2024 When other lenders said no, these guys saved my transaction. I needed private money for ground-up construction and their team, specifically Vladimir, came...
Read more on Yelp!When other lenders said no, these guys saved my transaction. I needed private money for ground-up construction and their team, specifically Vladimir, came...
Read more on Yelp!Yelp! Review
by Jean B. 08/15/2024 I needed a bridge loan for a commercial real estate purchase and these guys are gonna be my number one from now on. i worked with Michelle, and she is a...
Read more on Yelp!I needed a bridge loan for a commercial real estate purchase and these guys are gonna be my number one from now on. i worked with Michelle, and she is a...
Read more on Yelp!Yelp! Review
by Dana A. 03/27/2024 I have closed 4 fix and flip loans with them so far, and they were closed in 5-7 days. I indeed had all the doxes they needed, so we moved VERY fast. Guys...
Read more on Yelp!I have closed 4 fix and flip loans with them so far, and they were closed in 5-7 days. I indeed had all the doxes they needed, so we moved VERY fast. Guys...
Read more on Yelp!Yelp! Review
by Alexander D. 03/22/2024 This is the second time I've worked with them. Rico, Matt and their entire team are amazing! Speed, efficiency, knowledge and experience are some of the...
Read more on Yelp!This is the second time I've worked with them. Rico, Matt and their entire team are amazing! Speed, efficiency, knowledge and experience are some of the...
Read more on Yelp!Yelp! Review
by Debbie F. 03/19/2024 Michelle and her team are over the top amazing. We have secured financing many times over, but never has it been so fast and seamless. Everything that...
Read more on Yelp!Michelle and her team are over the top amazing. We have secured financing many times over, but never has it been so fast and seamless. Everything that...
Read more on Yelp!Yelp! Review
by Linda J. 03/13/2024 Matt and Michelle were wonderful to work with both during and after the transaction. This was my first time seeking a hard money loan. Matt kept his word of...
Read more on Yelp!Matt and Michelle were wonderful to work with both during and after the transaction. This was my first time seeking a hard money loan. Matt kept his word of...
Read more on Yelp!Yelp! Review
by Samantha R. 02/21/2024 I was in a tight spot, needing some quick cash for a property deal. It was super important and time-sensitive, and I really needed a solution that was both...
Read more on Yelp!I was in a tight spot, needing some quick cash for a property deal. It was super important and time-sensitive, and I really needed a solution that was both...
Read more on Yelp!Yelp! Review
by Walter S. 02/16/2024 Working with Vladimir was an absolutely great experience. Honestly, he knows his stuff inside and out, which made the whole financing process feel super...
Read more on Yelp!Working with Vladimir was an absolutely great experience. Honestly, he knows his stuff inside and out, which made the whole financing process feel super...
Read more on Yelp!Yelp! Review
by Emory M. 02/08/2024 Lending Bee, especially Vladimir and Andrew, did a great job helping me navigate my first major property investment. My experience is not that huge, but...
Read more on Yelp!Lending Bee, especially Vladimir and Andrew, did a great job helping me navigate my first major property investment. My experience is not that huge, but...
Read more on Yelp!Yelp! Review
by Josiah Y. 01/24/2024 Shoutout to Maria for all her help with refinancing my rental property and her knowledge of the industry. The process was efficient, and the terms were...
Read more on Yelp!Shoutout to Maria for all her help with refinancing my rental property and her knowledge of the industry. The process was efficient, and the terms were...
Read more on Yelp!Yelp! Review
by Mitchell K. 01/05/2024 The expertise was evident. I needed funds to refi commercial property in Fresno and they were the best match - offered the highest LTV and were flexible...
Read more on Yelp!The expertise was evident. I needed funds to refi commercial property in Fresno and they were the best match - offered the highest LTV and were flexible...
Read more on Yelp!Yelp! Review
by Silvia C. 10/04/2023 called and the gal that answered asked for all details of an off-market deal i'm trying to procure, asking if he has any un-represented buyers, etc. - then...
Read more on Yelp!called and the gal that answered asked for all details of an off-market deal i'm trying to procure, asking if he has any un-represented buyers, etc. - then...
Read more on Yelp!Yelp! Review
by Alina K. 01/11/2023 Yelp! Review
by Irma V. 08/19/2022 Reliable and trustworthy hard money lenders in California. It is the second time I'm refinancing with them, and they always make sure that the process runs...
Read more on Yelp!Reliable and trustworthy hard money lenders in California. It is the second time I'm refinancing with them, and they always make sure that the process runs...
Read more on Yelp!Yelp! Review
by Valeriy Z. 07/11/2022 Underpromised and over delivered! I was buying property in Palm Springs California to you it as Airbnb rental. Ever property I had to fight for with other...
Read more on Yelp!Underpromised and over delivered! I was buying property in Palm Springs California to you it as Airbnb rental. Ever property I had to fight for with other...
Read more on Yelp!Yelp! Review
by Donald H. D. 11/15/2021 Hello everyone am here to recommend a legit lender I was referred to by my friend. I was in need of an urgent loan with a low interest rate I didn't know...
Read more on Yelp!Hello everyone am here to recommend a legit lender I was referred to by my friend. I was in need of an urgent loan with a low interest rate I didn't know...
Read more on Yelp!Yelp! Review
by Alfred B. 10/29/2021 Bunch of lying unprofessionals.They either make money with telling lies or enjoy lies, either way don't spend your valuable time waiting for those clowns...
Read more on Yelp!Bunch of lying unprofessionals.They either make money with telling lies or enjoy lies, either way don't spend your valuable time waiting for those clowns...
Read more on Yelp!Yelp! Review
by Richard W. 09/10/2021 Boris' team contacted me to "Buy" my property. For weeks they pushed to sign a listing agreement. When I said "No"... They then sent big bad Boris in who...
Read more on Yelp!Boris' team contacted me to "Buy" my property. For weeks they pushed to sign a listing agreement. When I said "No"... They then sent big bad Boris in who...
Read more on Yelp!Yelp! Review
by Daniel T. 06/16/2021 Yelp! Review
by Felix K. 01/22/2021 We just finished refinance and can't be happier with Alex And the whole company! Very professional and knowledgeable staff! Highly recommend for all your...
Read more on Yelp!We just finished refinance and can't be happier with Alex And the whole company! Very professional and knowledgeable staff! Highly recommend for all your...
Read more on Yelp!Yelp! Review
by Jerry K. 07/15/2020 This place is a joke. Spoke to Vladimir who asked for some information and said he will call back. I've been calling and right away getting a text saying "I...
Read more on Yelp!This place is a joke. Spoke to Vladimir who asked for some information and said he will call back. I've been calling and right away getting a text saying "I...
Read more on Yelp!Yelp! Review
by Stella R. 05/20/2020 Hi !!! Have you heard about John, he run a retail store,Strappers by name ,he's available to propose an opportunity for you to profit and get work done at...
Read more on Yelp!Hi !!! Have you heard about John, he run a retail store,Strappers by name ,he's available to propose an opportunity for you to profit and get work done at...
Read more on Yelp!by OPI 05/02/2019
Great lender to work with and lots of great closings. Michelle, Ani, Boris are great and they make doing business easy. One of the real lenders out there still that will tell you yes or no right away and not waste your time or your clients.
Great lender to work with and lots of great closings. Michelle, Ani, Boris are great and they make doing business easy. One of the real lenders out there still that will tell you yes or no right away and not waste your time or your clients.Yelp! Review
by M C. 06/07/2018 The absolute WORST LENDER on the planet!!Should receive 5 negative stars. They claim they can do a deal, say it's approved and even go to docs for the...
Read more on Yelp!The absolute WORST LENDER on the planet!!Should receive 5 negative stars. They claim they can do a deal, say it's approved and even go to docs for the...
Read more on Yelp!by pchgirl 04/25/2018
They kept telling me everything was fine and that the documents would be ready to sign soon. They told me this repeatedly and did not follow through. Now I've wasted almost a month and have to start from scratch with a new lender.
They kept telling me everything was fine and that the documents would be ready to sign soon. They told me this repeatedly and did not follow through. Now I've wasted almost a month and have to start from scratch with a new lender.Yelp! Review
by Julie F. 08/20/2017 Aka LBC Capital. This is the best place I have found for hard money and flip loans. Super fast and excellent term. I highly recommend them
Read more on Yelp!Aka LBC Capital. This is the best place I have found for hard money and flip loans. Super fast and excellent term. I highly recommend them
Read more on Yelp!Yelp! Review
by Inessa M. 08/02/2017 Alex and everyone else at Lending Bee was fantastic when my husband and I were purchasing a couple of investment properties. Their rates are great and they...
Read more on Yelp!Alex and everyone else at Lending Bee was fantastic when my husband and I were purchasing a couple of investment properties. Their rates are great and they...
Read more on Yelp!Yelp! Review
by N D. 05/02/2017 Lending Bee is nothing like my last lenders, that sucked me dry for small technicalities that we both knew were going to get taken care of. Communication...
Read more on Yelp!Lending Bee is nothing like my last lenders, that sucked me dry for small technicalities that we both knew were going to get taken care of. Communication...
Read more on Yelp!Yelp! Review
by Vlad P. 05/31/2016 Thank you Lending Bee for working hard on my loan and making it possible for me to buy my first house. I found a house that was just perfect for me, but...
Read more on Yelp!Thank you Lending Bee for working hard on my loan and making it possible for me to buy my first house. I found a house that was just perfect for me, but...
Read more on Yelp!Yelp! Review
by Roey B. 04/10/2014 After getting turned down a few times for a home loan I was referred to Lending Bee by a friend , they helped me getting the loan I needed , without their...
Read more on Yelp!After getting turned down a few times for a home loan I was referred to Lending Bee by a friend , they helped me getting the loan I needed , without their...
Read more on Yelp!
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