Purchase your property with the leader in private Lending Check out our terms and options included.

Benefits of a Hard Money Loan:

Quick Funding

In an ultra-competitive market, you can’t afford to wait weeks or months. Get your loan funded in as little as a week with Lending Bee!

Larger Loan Amount

We loan more than the banks – with amounts ranging from $100,000 all the way up to $15 million. Get the money you need FAST.

We Are Direct Lenders

We don’t need to borrow money from the bank in order to fund your loan. We are your direct lender, giving you greater peace of mind.

Low Down Payment

Save more money on your down payments with our cost-efficient hard money programs. No credit score required!

Fast Approval

You can easily miss out on opportunities if you have to wait weeks for approval. We can get you approved in as little as 24 hours!

Satisfaction Guaranteed

With decades of combined private lending experience and 15+ years in business, let us put our hard money expertise to work for you!
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Happy Buyers

Fix & Flip

What we can do for you

Banks often refuse to lend money on fixer uppers, but our hard money lending network can get you financed FAST! Don’t let a fix and flip opportunity slip through your fingers! Let our hard money lenders help!

Commercial

Commercial hard money lending

Need money to start a business or buy commercial property for sale in California? Even if you make enough money, banks will still say no! Let our private lenders work with you to buy commercial real estate.

Land

Hard money loans for land in California

Don’t get caught up in a bidding war. There’s a gold rush going on for California property for sale and without hard money financing, you could be left in the dust.

Construction

Hard money loans for construction

Banks will often deny your construction loan because of fears and speculation. Lending Bee believes with the right hard money investment, the economy can grow and prosper. Let us fund your vision today!

Lending Bee In The Words Of Our Clients

California Hard Money Lenders

With over a decade of private investing experience, Lending Bee, Inc. understands the unique needs of investors, fix-and-flip property seekers, entrepreneurs and contractors in need of real estate financing. Let us help you get the money you need in days, not months!

Knowledgeable, Experienced Staff

We offer a variety of programs to meet your financial needs. Our experienced team understands the need for transparent, honest and open lending and we stay informed on the latest hard money information guidelines and regulations, so that you can feel confident you’re working with a team that understands your needs and can help you get the hard money financing you’re looking for, even if the bank says no.

Fast, Hassle-Free Approval Process

Forget the stress of frantic bidding, last minute offers and panicked closings. Our swift approval process means you can get the funding you need to move quickly and seize every opportunity, while abiding by all required laws and regulations.

We specialize in hard money loans for fix and flip, land loans, construction loans and commercial property loans across California.

What is a Hard Money Loan?

In short, a hard money loan is a loan based on your assets which lets you access financing and use your existing property in order to secure the debt. Banks and other conventional financing institutions typically don’t offer hard money loans.

Instead, these flexible loans are offered by both investors and private companies. These types of loans are very attractive to real estate investors because they allow them to get the capital they need quickly and easily. Unlike traditional loans, hard money loans do not worry about credit scores or the ability to repay the loan. Instead, they are tied to the value of the property that is used as collateral.

If the loan is not repaid, the hard money lender will simply sell the property that has been put up as collateral. The value of this property is more important than, for example, the borrower’s credit history or even their current financial status. With this in mind, you’ll notice right away that this perspective brings numerous benefits with it.

What Types of Homes Can You Buy in California with a Hard Money Loan?

There are several types of homes and properties that can be purchased with hard money loans. For example, single family homes, multi-family residential homes, commercial property, industrial property, land and commercial property are just a few of the things you can buy. Again, lenders won’t care as much about your credit report as they will the value of the property you’re putting up for collateral.

This is known as the LTV or Loan to Value ratio. Generally speaking, hard money lenders in California will look at a low LTV ratio. The reason why lenders look for something at this level or lower is because they have a decent chance at recouping their investment in you should you fail to repay the hard money loan.

Hard money loans are also a great option for new borrowers who have a limited credit history or a poor credit history. If there’s a strong likelihood that you won’t be approved by traditional mortgage lenders, a hard money lender may approve you.

REQUEST A CALL

Have our loan specialist call you today for more information

FAST APPROVAL

Contact us and find out in just 24 hours if you are approved for a loan

LOAN PROCESS

Let us clarify the process and identify the documents you will need

UPLOAD DOCS

Use our secure online form to submit your information and upload documents

Our Highly-Experienced Hard Money Lending Team is Here to Help Get You Financed!

With a solid background in both real estate sales and finance, the Lending Bee, Inc. team is unique in that we’ve overcome many of the same hurdles that you’re currently facing to get your deal financed. This hands-on experience allows us to have a thorough understanding of the hard money lending process so that you can get financed with confidence.

Because policies, laws and practices surrounding the lending process are always changing, we strive to maintain or exceed compliance in all applicable areas. Our keen understanding can help you protect yourself and your assets whether you’re looking to get a hard money loan for a fix and flip loans, construction loan, commercial hard money loan and much more.

We are licensed in California and we do business across the state, including Los Angeles, Orange County, San Diego, San Francisco and Sacramento. We’re proud to offer you a free, one on one consultation with our experts to discuss your specific loan scenario and give you all the details you need on getting funded with alternative financing.

Learn more about how hard money lending can help you get the financing you need so that you can buy property, fixer uppers, commercial real estate, land and much more.

Why Choose a Hard Money Loan?

Fast Access to Funding

There are many reasons why you’d want to consider a hard money loan to buy California real estate. Perhaps the most important is the speed at which you can get funded. Traditional loans often take a great deal of time, and banks are sluggish at giving you approval. In the ultra-competitive California real estate market, that’s time that you can’t afford to lose.

With a hard money loan from Lending Bee, you can have the financing you need in-hand, so while other buyers are scrambling with their traditional loans, you’ll be at the front of the line, ready to make a compelling offer.

More Flexibility Compared to Ordinary Loans

Unlike traditional loans, hard money lenders don’t tie you to strict forms and rigid processes that you have to follow in order to get your loan. Because there are less guidelines with hard money loans, you can get approved quicker as well as negotiate more flexible rates and a more workable repayment schedule.

There are also some downsides you should be aware of. For example, a hard money loan is designed to help you secure funding quickly, but it isn’t meant to replace a traditional mortgage entirely. Instead, it works more to bridge the gap between a traditional loan (which often has lower interest rates) while getting you the funding you need quickly.

Although hard money loans have higher interest rates and there is the very real possibility that the private lender can sell your property if you do not repay your hard money loan, it’s important to realize that they are taking a stronger gamble on you than banks ever would, particularly by not using your credit score, job history or other factors about your financial creditworthiness to evaluate your ability to repay.

Hard Money Loans are a Great Option for Real Estate Investors

If you’re a real estate investor looking to invest in a home or property in Los Angeles, you may find it difficult to secure a loan at a bank. Banks aren’t in the real estate business, and they are hesitant to make loans to real estate investors because they aren’t confident that the loan will be repaid.

Because banks are so risk averse, investors have to look at alternative funding like hard money loans. But investors aren’t the only ones who benefit from hard money loans. Homeowners who may be facing bankruptcy or foreclosure, but have another form of collateral may be able to get a hard money loan to get out from under the situation they are in.

Bad Credit is No Problem with a Hard Money Loan

Another compelling reason to consider a hard money loan from Lending Bee, is that our private loans don’t factor in your personal creditworthiness as part of the approval process. This means that even if you’ve gone into foreclosure or even declared bankruptcy in the past, your may still be able to qualify for a hard money loan.

The reason why we’re able to get you financed when banks refuse is because your hard money loan is tied to the value of your assets – not your credit. This gives you the freedom and flexibility you need to get financed without bad credit holding you back.

Income Documentation Holding You Back from Getting a Loan? Not with Hard Money Lending!

Another common issue that we see time and time again, particularly among the self-employed is a lack of income documentation preventing you from getting a loan. Here again, this simply isn’t a problem with private hard money lending, because we look at the value of assets or collateral – not how much money you make!

These are just a few of the many common scenarios we see when people come to us looking for hard money information. So whether you’re looking to start or expand a business and want to buy commercial real estate, or you’re a contractor with a vision and looking to build and help grow the economy, we want to help! If you’re looking for homes in need of repair to fix and flip, we can help you too! View our Frequently Asked Questions page or contact our hard money loan specialists for a FREE CONSULTATION to discuss your specific loan scenario.

We provide hard money loans all over California including: Aliso Viejo, Anaheim, Bel Air, Beverly Glen, Beverly Hills, Brentwood, Buena Park, Burbank, Calabasas, Camarillo, Canoga Park, Costa Mesa, Culver City, Cypress, Dana Point, Downey, Encino, Fullerton, Garden Grove, Glendale, Granada Hills, Hidden Hills, Huntington Beach, Irvine, La Habra, La Mirada, Laguna Hills, Laguna Niguel, Lake Forest, Lancaster, Long Beach, Malibu, Mission Hills, Mission Viejo, Moorpark, Newport Beach, North Hollywood, Northridge, Orange County, Oxnard, Palmdale, Pasadena, Placentia, Pomona, Redondo Beach, Reseda, Sacramento, San Clemente, San Diego, San Francisco, San Marino, Santa Ana, Santa Clarita, Santa Monica, Sherman Oaks, Simi Valley, Stanton, Studio City, Tarzana, Thousand Oaks, Torrance, Van Nuys, Ventura, West Hollywood, Westwood, Winnetka, Woodland Hills, Yorba Linda, Marina Del Rey, Venice

We Are California's Fastest Growing Lender

Rates Starting as low as 7.99%

Next Day Loan Docs

Close In 7 Days Or Less

Stated Income

Foreign Nationals

Credit Scores As Low As 450

Foreclosure

Short Sales

and more...

LTVs (Loan-to-Value) up to 80% of purchase

We offer hard money loans with minimal documentation.

Construction loans, purchases, refinance, cash out

Need Professional Advice? We Are Here To Help

Need Professional Advice? We Are Here To Help

Lending Bee Offers Alternative Financing Solutions When Banks Say “No”


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