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Our Strengths

  • Prompt assistance: securing underwriting promptly upon receiving your request

  • Assisting with all types of properties

  • Rates starting at 8.99%

  • Securing loans for you ranging from $150K to $30 million

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Programs

  • urban area

    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.

    Multifamify

    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

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  • commercial property

    Commercial 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

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  • fix and flip

    At LBC Capital, 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

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  • residential area

    General 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

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Investment Journey Roadmap

  • Step 1:

    Evaluation of Your Situation

    Our journey starts by understanding your unique situation. We’ll evaluate your investment goals, financial standing, and property aspirations to create a financing solution tailored to your needs.

  • Step 2:

    Customized Financing Solutions

    With insights from the evaluation stage, we’ll create personalized financing options tailored specifically for you. Whether you’re embarking on a fix-and-flip project or entering commercial real estate, we have the right loan products to support your success.

  • Step 3:

    Expert Guidance and Support

    You don’t have to navigate the complexities of real estate finance alone. Our team of seasoned professionals is here to provide expert guidance and support at every step. From loan structuring to closing, we’ll be with you throughout the entire process.

  • Step 4:

    Seamless Application Process

    Wave goodbye to paperwork hassles and long wait times. Our streamlined application process guarantees a hassle-free experience from start to finish. Submit your application effortlessly, and we’ll handle the rest.

  • Step 5:

    Timely Approval and Funding

    Time is crucial in real estate. That’s why we prioritize quick approval and funding, enabling you to seize lucrative opportunities without delay. Trust our efficient process to keep your investments progressing smoothly.

  • Step 6:

    Ongoing Support + Relationship

    Our commitment to your success extends beyond funding. Rely 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 assist you.

Blog

More articles
homeownership
Alex Moore
6 min read

Illinois Homeownership Hits Decade High: Why Now Might Be the Time to Apply

Understanding the Illinois Homeownership Surge Illinois homeownership has reached its highest level in over ten years, marking a shift in both buyer behavior and market opportunity. In 2024, the state’s homeownership rate climbed to 68.5%, signaling renewed confidence among Illinois residents. For anyone considering buying a home, this data highlights a rare moment of alignment […]
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tax surprises
Alex Moore
5 min read

Avoiding Mortgage Payment Shock in Illinois: Tax and Assessment Surprises

What Causes Mortgage Payment Shock? Many Illinois homeowners are shocked when their monthly mortgage payments suddenly increase. While most expect consistent payments, especially with fixed-rate loans, property taxes and assessments often disrupt that expectation. Escrow accounts are adjusted yearly, and when property taxes rise, your lender recalculates what you owe. This often results in a […]
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downpayment
Alex Moore
6 min read

Illinois Launches $46M Downpayment Plus Grant Program for 2025 – Your Chance to Apply Now

What Is the Downpayment Plus Grant Program? Homebuyers in Illinois have a major opportunity heading into 2025. The Federal Home Loan Bank of Chicago (FHLBank Chicago) has opened up its latest round of homeownership assistance through the Downpayment Plus (DPP) and Downpayment Plus Advantage (DPP Advantage) programs. A total of $46 million in forgivable grant […]
Read more
housing grants
Alex Moore
6 min read

Workforce Housing Grants in Illinois: New Opportunities for Smart Mortgage Investments

Understanding Workforce Housing in Illinois Workforce housing refers to homes that are affordable for moderate-income workers—those who earn too much to qualify for low-income programs but still struggle to afford market-rate housing. This includes professionals like nurses, first responders, teachers, and service industry employees. These are the people who keep communities running, yet often can’t […]
Read more
mortgage
Alex Moore
6 min read

Illinois First‑Time Homebuyer Savings Accounts & Tax Benefits

Understanding the Opportunity LBC Capital is committed to helping first-time homebuyers in Illinois take full advantage of state and federal programs designed to make homeownership more affordable. One of the most impactful options available today is the Illinois First-Time Home Buyer Savings Program. Starting January 1, 2023, Illinois residents can open a specially designated savings […]
Read more

Unlock the Secrets to Building Your Property Empire

Your Blueprint to Real Estate Wealth

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 LBC Capital

Get quote
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https://youtu.be/AjZZHjDC580

LBC Capital

LBC Capital is a leading 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.

Learn more

We manage own funds that helps us act fast and get flexible

Being a part of financial group, LBC Capital 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.

Learn more
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Testimonials

More reviews
R
Raina A. Austin, TX

“LBC Capital demonstrated efficiency, professionalism, and transparency in contrast to other brokers and major financial institutions. They successfully completed our escrow on schedule and at reasonable costs. After attempting negotiations with various brokers and lenders, it became evident that LBC Capital was our optimal choice. Alex and his team were notably prompt.”

V
Valeriy U. Dallas, TX

“Underpromised and overdelivered! When purchasing property in Dallas, Illinios, for use as an Airbnb rental, each property faced intense competition, with multiple offers from other buyers. In such a competitive market, I opted for a hard money loan. At my realtor's recommendation, I reached out to LBC Capital and spoke with Vladimir Isperov.”

D
David Cooper Houston, TX

“LBC Capital assisted me in obtaining a remodeling loan to upgrade a condominium and prepare it for sale. They swiftly processed my documents, approved the loan, and wired the funds to me, completing the entire process in under two weeks. I am especially grateful to Vladimir, Rico, and Ani for their round-the-clock availability and support.”

C
Chad Young Los Angeles, CA

“It was very easy to do a cash-out refinance with them. Thanks to them I added another Airbnb to my portfolio. They work fast, know their business, and go above and beyond to get you the result you are looking for.”

Why us

  • Lightning-fast results in just 3-7 days with our exceptional financing solutions

  • Enjoy competitive rates starting from 8.99%

  • Flexible Loan-to-Value ratios reaching up to 80%

  • Welcome applicants with scores of 450+

  • Ensure a hassle-free experience with minimal documentation required

  • Expertly cater to an extensive range of property types

Get quote
employee

Empowered 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, LBC Capital empowers you to seize lucrative opportunities and achieve your investment objectives with confidence.

  • Expert Guidance for Your Unique Investment Journey:

    At LBC Capital , 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 LBC Capital 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.

FAQ

Go to FAQ page

  • 1.  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.

Fast and flexible financing for your real estate investment projects in Illinios

Explore agile and flexible financing solutions tailored for your Illinios real estate endeavors with LBC Capital. Our comprehensive range of hard money loans, backed by property, includes options like fix and flip loans, bridge loans, and construction loans. Our dedicated team of experts will carefully evaluate your needs and expertly navigate you through the entire loan process. Enhance your real estate journey by contacting us today and opening the door to personalized financial success.

    Get a free consultation

    Fill out a simple form, and we'll get in touch to provide you with personalized loan program assistance.