Our Strength
- Swift assistance: securing underwriting as soon as receiving your request
- Helping you with any type of property
- Rates from 8.99%
- Securing for you loans of any sum from $150K to $30 mil
Programs
SFR, CONDO AND 2-4 UNITS
1st Liens
- Up to 75% LTV.
- Rates from 9.99%.
- 12 – 24 months loan term.
- Minimum 600 FICO, lower – exception only.
2nd Liens
- Up to 65% CLTV.
MULTIFAMILY
1st Liens
- Loan-to-Value (LTV) up to 75%.
- Interest rates starting from 9.99%.
- Loan term options ranging from 12 to 24 months.
- Minimum FICO score of 600, with exceptions considered for lower scores.
2nd Liens
- Combined Loan-to-Value (CLTV) up to 65%.
- Customized financing solutions tailored to your specific needs and circumstances.
Residential
Read moreCOMMERCIAL LOAN OPTIONS
1st Liens
- Loan-to-Value (LTV) up to 75%.
- Starting interest rate from 9.99%.
- Loan term options ranging from 12 to 24 months.
- Minimum FICO score of 600, with exceptions considered for lower scores.
2nd Liens
- Combined Loan-to-Value (CLTV) up to 65%.
- Requires a conventional bank 1st lien, with the bank agreeing to subordinate our junior lien.
- Ideal for businesses seeking additional financing or working capital.
Commercial
Read moreAt Lending Bee Inc, we offer flexible fix-and-flip loan options for residential properties (1-4 units) to help you turn your renovation projects into profitable investments.
LOAN TERMS
- Loan-to-Construction (LTC) up to 85%.
- Loan-to-After-Repair Value (LTARV) up to 65%.
- Starting interest rate from 10%.
- Minimum credit score of 640.
- Loan term options: 12 months, with longer terms available depending on the specific scenario.
ELIGIBILITY
- “No-experience” flippers considered on a case-by-case basis
- Marketable location is a requirement
Fix and Flip
Read moreGENERAL GUIDELINES
- Loan Amount: $150,000 to $25,000,000.
- Loan Term: 12 months, interest-only, with longer terms available in some cases (up to 24 months).
- Credit Score: Not credit score driven, making it accessible to a wider range of borrowers.
- Prepayment Premium: Case by case basis.
- Broker Fees: Minimum of 2 points, case by case.
- Lender Fees: Average of $2,500.
- Other Fees: Valuation and due diligence fees vary depending on the transaction.
UNDERWRITING GUIDELINES
- Experience: First-time investors have a maximum LTV of 65%.
- Income Verification: Simple documentation required.
- Down Payment: No source or equity required.
- Appraisal Process: We offer a streamlined process and cost, contact your Account Executive to learn more.
- Impounds: None.
- Foreign Investors: Maximum LTV of 65%.
Bridge Loans
Read more
Trusted San Diego Hard Money Lender
Lending Bee Inc. is a leading San Diego hard money lender with a strong reputation and over 20 years of experience in the real estate finance industry. Our commitment to personalized lending sets us apart, as we understand that each borrower’s circumstances are unique. With our expertise and support, you can concentrate on expanding your portfolio while we take care of securing the financing you need.
Your Blueprint to Real Estate Wealth in San Diego
Unlock the Secrets to Building Your Property Empire
Ready to transform your real estate aspirations into reality? Dive into our exclusive blueprint to real estate wealth – a comprehensive roadmap designed to equip you with the knowledge, tools, and resources needed to build your property empire from the ground up.
Start your journey today and turn your dreams of real estate success into a lucrative reality with Lending Bee Inc.
We manage own funds that helps us act fast and get flexible
Being a part of financial group, Lending Bee accumulates funds through LBC Capital Debt Income Fund. Members of the Fund who are purely accredited investors, invest in real estate loans and allow us being on top of any real estate investment game.
Our members benefit from 8% returns and low-risk investment’s opportunities.
Investment Journey Roadmap
- Step: 1
Evaluation of Your Situation
Our journey together begins with understanding your unique situation. We’ll assess your investment goals, financial standing, and property aspirations to tailor a financing solution that perfectly fits your needs. By taking a comprehensive approach, we ensure that every aspect of your financial landscape is considered. Whether you’re looking to invest in residential properties, commercial real estate, or embarking on a new development project, our evaluation process is designed to align with your specific objectives. We recognize that each investor’s path is different, and our goal is to provide you with the most suitable and effective financing options available.
During this assessment, we’ll explore your short-term and long-term investment goals, examining factors such as expected returns, risk tolerance, and market conditions. We’ll also take a close look at your financial standing, including your credit history, income, and existing assets, to determine the best financing strategy.
Understanding your property aspirations, whether it’s acquiring a fixer-upper, expanding your real estate portfolio, or undertaking a large-scale development, allows us to customize our approach to meet your unique needs.
- Step: 2
Customized Financing Solutions
Armed with insights from the evaluation stage, we’ll craft personalized financing options tailored specifically for you. Whether you’re diving into a fix-and-flip project or venturing into commercial real estate, we have the right loan products to fuel your success. Our goal is to provide financing solutions that align perfectly with your investment strategies and financial objectives.
For fix-and-flip projects, we offer specialized short-term loans that provide the necessary capital to purchase and renovate properties quickly. These loans accommodate the unique needs of house flippers, with flexible terms and fast approval processes to ensure you can seize profitable opportunities in the market.
If your focus is on commercial real estate, we have a range of financing options tailored to these investments. From acquisition and development loans to refinancing and bridge loans, our products support your commercial property ventures. We understand the importance of reliable funding that matches the scale and scope of your projects.
Our customized financing solutions go beyond just loan products. We provide ongoing support and expert advice to help you navigate the financial landscape and make informed decisions. By partnering with us, you gain access to a wealth of knowledge and resources, ensuring your investment journey is smooth and successful.
- Step: 3
Expert Guidance and Support
No need to navigate the complexities of real estate finance alone. Our team of seasoned professionals is here to provide expert guidance and support at every turn. From loan structuring to closing, we’ll be with you every step of the way. Our expertise ensures that you make informed decisions, maximizing your investment potential.
We understand that real estate finance can be daunting, with many intricate details to consider. Our experienced team simplifies this process, offering clear, actionable advice tailored to your specific situation. Whether you’re a first-time investor or a seasoned professional, our personalized approach ensures that your unique needs are met.
Throughout the loan structuring process, we work closely with you to develop a financing plan that aligns with your goals. We assist with paperwork, negotiate terms, and ensure all requirements are met for a smooth transaction. When it’s time to close, we coordinate all necessary steps to finalize your loan efficiently.
Our commitment doesn’t end at closing. We provide ongoing support to help you manage your investment and address any future financial needs. With our expert guidance and unwavering support, you can confidently navigate the real estate finance landscape, knowing you have a trusted partner by your side.
- Step: 4
Seamless Application Process
Say goodbye to paperwork headaches and long wait times. Our streamlined application process ensures a hassle-free experience from start to finish. Submit your application with ease and let us take care of the rest. We’ve designed our process to be as efficient and user-friendly as possible, so you can focus on your investment goals without unnecessary delays or complications.
Our intuitive online application platform allows you to provide all the necessary information quickly and securely. Once submitted, our team of experts promptly reviews your application, keeping you informed at every stage. We handle all the details, from initial documentation to final approval, ensuring a smooth and transparent process.
With our seamless application process, you won’t be bogged down by complex paperwork or prolonged waiting periods. We prioritize speed and efficiency, recognizing that timely access to financing is crucial for your real estate ventures. Our goal is to make the financing process as straightforward and stress-free as possible, so you can concentrate on making the most of your investment opportunities.
Experience a new level of convenience and efficiency with our seamless application process. Let us simplify your path to securing the funding you need, so you can move forward with confidence and ease.
- Step: 5
Timely Approval and Funding
Time is of the essence in real estate. That’s why we prioritize swift approval and funding, allowing you to seize lucrative opportunities without delay. Trust in our efficient process to keep your investments moving forward. We understand that every moment counts in the competitive real estate market, and our goal is to provide you with the financial support you need, precisely when you need it.
Our dedicated team works diligently to expedite the approval process, ensuring that your application is reviewed and processed quickly. By minimizing bureaucratic hurdles and streamlining our procedures, we can offer faster turnaround times compared to traditional lenders. This means you can act on investment opportunities with confidence, knowing that your financing will be ready when you are.
Once approved, we ensure that funds are disbursed promptly, giving you immediate access to the capital required for your projects. Whether you’re purchasing a new property, renovating an existing one, or expanding your portfolio, our timely funding solutions are designed to support your ambitions without unnecessary delays.
Rely on our expertise and efficient processes to keep your real estate investments on track. With our commitment to timely approval and funding, you can focus on achieving your goals and maximizing your returns, confident in the knowledge that you have a reliable partner by your side.
- Step: 6
Ongoing Support + Relationship
Our commitment to your success doesn’t end at funding. Count on us for ongoing support and a lasting relationship built on trust and transparency. Whether you have questions or need advice, we’re always here to help. We believe in building long-term partnerships with our clients, ensuring that you have a reliable resource to turn to throughout your real estate journey.
From the moment your loan is funded, our team remains dedicated to your success. We provide continuous guidance and support, helping you navigate any challenges that may arise. Our experts are always available to answer questions, offer insights, and provide the advice you need to make informed decisions.
We pride ourselves on maintaining open and transparent communication, fostering a relationship based on mutual trust. By understanding your evolving needs and goals, we can offer personalized solutions and proactive support that aligns with your investment strategy.
Whether you’re expanding your portfolio, refinancing existing properties, or exploring new investment opportunities, our ongoing commitment ensures you have the assistance you need at every stage. Trust in our expertise and dedication to help you achieve lasting success in your real estate endeavors.
Choose Lending Bee Inc. for your mortgage needs and be sure that
- We deliver fast and efficient results, often within 3-7 days, with our innovative financing solutions
- Our competitive rates start at 8.99% to help you save
- We offer flexible Loan-to-Value ratios, reaching up to 80%, to give you more flexibility
- We welcome borrowers with credit scores as low as 450+
- Our streamlined process requires minimal documentation, ensuring a hassle-free experience
- We cater to a wide range of property types, from residential to commercial properties
- With over 20 years of experience, you can trust our expertise and knowledge in the mortgage industry
Empowerment Package
Flexible Financing Solutions to Fuel Your Success:
Unlock the full potential of your real estate investments with our flexible financing solutions. Whether you’re looking to fund a fix and flip project, embark on new construction, or secure a bridge loan, we offer tailored financial products to suit your needs. With competitive rates and expedited processing, Lending Bee Inc. empowers you to seize lucrative opportunities and achieve your investment objectives with confidence.
Expert Guidance for Your Unique Investment Journey:
At Lending Bee Inc., we believe in more than just providing loans – we’re dedicated to guiding you through every step of your investment journey. Our team of seasoned professionals understands that no two investment scenarios are alike. Whether you’re a seasoned investor or just starting out, we offer personalized guidance tailored to your specific goals and circumstances. From initial consultation to loan structuring and beyond, count on us to be your trusted partner in real estate finance.
Streamlined Process, Hassle-Free Experience:
Say goodbye to the complexities of traditional lending and hello to a streamlined, hassle-free borrowing experience with Lending Bee Inc. Our simplified application process and efficient approval timeline ensure that you get the financing you need when you need it. Whether you’re a seasoned investor or new to the game, our user-friendly approach to lending makes securing funding for your real estate ventures a breeze.
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More articlesFAQ
Move to FAQ Page1. What constitutes a hard money loan, and how does it contrast with a conventional loan?
A hard money loan is a real estate-backed loan that uses private funds and generally has a shorter duration and higher interest rates than traditional loans. At FastPrivateFunds, we manage our own pool of investors' funds, enabling us to make quick decisions and provide financing within days.
2. What types of properties can be financed with hard money loans?
Hard money loans are typically used for investment properties such as fix-and-flip projects, rental properties, or commercial real estate. Eligible properties include single-family homes, multi-family units, office buildings, retail spaces, hotels, and industrial properties.
3. What is the maximum amount I can borrow through a hard money loan?
The loan amount you can secure with a hard money loan depends on the value of the property being used as collateral. Lenders usually offer up to 70% of the property's value, although some may provide higher or lower loan-to-value ratios based on the property's worth and the borrower's credit profile.
4. How do I apply for a hard money loan?
The application process begins with completing a loan application and submitting necessary documents, such as a credit report, property income details, title report, and property valuation. Our underwriting department then reviews the documentation and advises our loan committee for the final decision.
5. Can I refinance my existing mortgage with a hard money loan?
Yes, some lenders provide hard money refinance loans that let you refinance your current mortgage using the equity in your property. These loans often have higher interest rates than conventional refinance loans and might take longer to process.
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Unlock the Power of Fast and Flexible Financing in San Diego
At Lending Bee Inc., we’re revolutionizing the way you finance your real estate investment projects in San Diego. Our cutting-edge approach to hard money lending offers a range of innovative solutions, from fix and flip loans to bridge loans and construction loans, all secured by the value of your properties.
Our team of experts will work closely with you to understand your unique needs and goals, providing a personalized financing experience that streamlines the loan process. With Lending Bee Inc., you can trust that your financial journey is in good hands.
Whether you’re looking to flip a property, bridge a financial gap, or fund a new construction project, our flexible financing solutions can help you achieve your vision. Don’t let funding hold you back – contact us today and discover how our expert team can help you unlock the door to success.”