Why us
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Experience lightning-fast results in just 3-7 days with our exceptional financing solutions.
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Benefit from competitive rates starting at 8.99%.
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Enjoy flexible Loan-to-Value ratios of up to 80%.
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We welcome applicants with credit scores of 450 and above.
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Experience a hassle-free process with minimal documentation required.
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We expertly cater to a wide range of property types.
Key Advantages
One of the primary benefits of partnering with LBC Capital is our flexibility. We recognize that every real estate transaction is distinct, and we’re committed to finding loan solutions that address your clients’ individual needs. Whether they need a short-term fix and flip loan or a long-term buy and hold loan, we have the expertise to accommodate their requirements.
Beyond providing fast funding and adaptable terms, we deliver exceptional service and support to ensure your and your clients’ success. Our team of loan specialists is always ready to answer questions, offer guidance, and assist your clients throughout the entire loan process.
Loan programs
1. Refi’s & purchases
Residential, commercial and multifamily
1st Liens
- Up to 80% LTV
- Start rate of 9% IO
- 12 – 24 months loan term
- 3 – 6 months prepay
- Land (4 acres or less)
- 620 Minimum fico
2nd Liens
- Up to 65% CLTV
Commercial
1st Liens
- Up to 75% LTV (may go higher in some cases)
- Start rate of 9% Interest Only
- 12-24 months
- Must debt-service or have plan to debt-service
- Internal valuation or BPO
- Need Environmental Report (in some cases)
Please, note: We aim to provide a personalized approach with this program, which serves to inform and give you a general idea of what to expect when deciding whether to secure funding with us. Please note that these criteria may vary based on your specific property and circumstances.
2. Fix and flip
Residential, commercial and multifamily
1st Liens
- Up to 80% LTV
- Start rate of 9% IO
- 12 – 24 months loan term
- 3 – 6 months prepay
- Land (4 acres or less)
- 620 Minimum fico
2nd Liens
- Up to 65% CLTV
Please, note: We aim to provide a personalized approach with this program, which serves to inform and give you a general idea of what to expect when deciding whether to secure funding with us. Please note that these criteria may vary based on your specific property and circumstances.
Here's a closer look at the hard money loans we offer
Residential and commercial loans
We offer loans for a diverse array of residential and commercial properties, including single-family homes, multi-family properties, and mixed-use buildings.
Fix and flip loans
Our fix and flip loans are tailored for real estate investors seeking funding to purchase and renovate properties for resale. Offering up to 85% Loan-to-Cost (LTC) and 65% Loan-to-After-Repair-Value (LTARV), we provide competitive rates and flexible terms to support your clients’ success.
Reimbursement-only loans
We also offer reimbursement-only loans for real estate investors who have already purchased a property and need funding for renovations. With interest rates as low as 8-11%, we provide the necessary financing to help your clients complete their projects and maximize their return on investment.
Benefits of Our Hard Money Loans
Fast Approval
Our efficient application process and minimal documentation requirements enable us to approve loans rapidly, often within 24 hours.
Large Loan Amounts
We provide larger loan amounts compared to traditional lenders, ensuring you have the financing required to succeed.
Experienced Lenders
Our team of experienced lenders possesses a profound understanding of the real estate market and can assist you in making informed investment decisions.
Competitive Interest Rates
We provide competitive interest rates starting at 8.99% on our hard money loans, helping you keep costs low while securing the necessary financing.
Flexible Loan Terms
We recognize that every borrower is unique, which is why we offer flexible loan terms tailored to your specific needs. We collaborate with you to design a loan that fits your budget and timeline.
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.