(818) 740-5721 Apply now

Programs

  • Residential

    Our collaboration starts by comprehending your specific circumstances. We will evaluate your investment objectives, financial condition, and property ambitions to customize a financing solution that suits your requirements perfectly.

    Learn More

  • Commercial

    Our partnership begins by understanding your unique business context. We’ll assess your commercial objectives, financial health, and property requirements to craft a financing solution tailored specifically to your needs.

    Learn More

  • Fix and Flip

    Our journey starts with understanding your unique situation. We’ll evaluate your fix and flip goals, financial status, and property plans to create a financing solution that precisely aligns with your needs.

    Learn More

  • Bridge Loans

    Our process begins by understanding your unique situation. We’ll assess your financial standing, project goals, and property needs to design a bridge loan solution that perfectly matches your requirements.

    Learn More
city view

Our Strengths

  • Rapid support: obtaining underwriting promptly upon receiving your request

  • Assisting you with any type of property

  • Rates starting at 8.99%

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

Investment Journey Roadmap

  • Step 1:

    Evaluation of Your Situation

    Our partnership starts with a deep understanding of your unique situation. We will evaluate your investment objectives, financial status, and property goals to create a financing solution that is precisely tailored to your needs.

  • Step 2:

    Customized Financing Solutions

    With insights gained from the evaluation stage, we will develop personalized financing options tailored specifically to you. Whether you are embarking on a fix-and-flip project or investing in 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 offer 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

    Bid farewell to paperwork headaches 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

    In real estate, time is of the essence. That’s why we prioritize swift 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 continuous 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
Washington State
Alex Moore
5 min read

Smart Timing: How to Lock in a Mortgage Rate During Washington’s Seasonal Market Fluctuations

Understanding Seasonal Patterns in Washington’s Housing Market In Washington State, home-buying trends and mortgage rate opportunities often shift with the seasons. As your mortgage partner, we at LBC Capital help you navigate these fluctuations with timing and strategy. In early spring, buyer interest surges as families aim to settle before school starts. Inventory tends to […]
Read more
Seattle
Alex Moore
6 min read

Strategies for Mortgage Approval in Washington’s Competitive Market

Understand Washington’s Housing Landscape Getting mortgage approval in Washington’s real estate market is no small feat. With fierce competition in areas like Seattle, Bellevue, and Tacoma, buyers must do more than just meet basic qualifications. To stand out in multiple-offer scenarios and secure financing on time, strategic preparation is key. LBC Capital provides expert guidance, […]
Read more
down payment program
Alex Moore
5 min read

How Washington’s Expanded Zero-Interest Down Payment Program Helps First-Time Homebuyers

The Down Payment Barrier Buying a home is one of the biggest financial steps most people will take—and for many, the hardest part is saving for the down payment. That’s where Washington State’s recently expanded zero-interest down payment assistance programs offer real hope. These initiatives reduce the upfront cost of buying a home, making homeownership […]
Read more
mortgage
Alex Moore
6 min read

Seattle & Surrounding High‑Cost Counties: Mortgage Strategies to Afford Your First Home Without Breaking the Bank

Understand the San Diego Housing Market Buying your first home in Seattle or nearby high-cost counties can feel overwhelming. Skyrocketing home prices, rising interest rates, and stiff competition make it hard to know where to start. But with the right guidance and mortgage strategies, homeownership is still within reach—even in this expensive market. LBC Capital […]
Read more
concessions
Alex Moore
5 min read

Why More Washington Sellers Are Offering Concessions — A Bright Spot for Buyers

What Are Seller Concessions? In Washington’s changing housing market, more sellers are offering concessions to close deals. For homebuyers, this shift offers a real opportunity. LBC Capital sees this as a turning point in the state’s real estate landscape—especially for first-time buyers and those navigating high mortgage rates. By understanding seller concessions and how to […]
Read more
homeownership
Alex Moore
6 min read

Homeownership Lift: Washington’s Rising Ownership Rate Signals Stability

Ownership Rates Washington State is experiencing a significant and encouraging shift: homeownership is on the rise. As of 2023, approximately 66.3 percent of Washington households own their homes. That figure edges slightly above the national average, signaling renewed strength and long-term stability in the housing market. For many residents, this trend means more than property […]
Read more
regulations
Alex Moore
6 min read

How Washington’s ‘Missing Middle’ Housing Laws Are Reshaping Mortgages

Current Transformation Washington state is undergoing a major transformation in housing policy. With the passage of the “Missing Middle” housing laws, including HB 1110, cities are being pushed to increase housing density in neighborhoods traditionally zoned for single-family homes. These changes don’t just impact developers and city planners—they’re also reshaping how mortgages work across the […]
Read more

Unlock the Secrets to Building Your Property Empire

Your Blueprint to Real Estate Wealth

Eager to turn your real estate dreams into reality? Explore our exclusive blueprint for real estate wealth – a detailed roadmap created to provide you with the knowledge, tools, and resources necessary to build your property empire from scratch.

Begin your journey today and transform your real estate success dreams into a profitable reality with LBC Capital.

Get quote
city view
https://youtu.be/AjZZHjDC580

LBC Capital

LBC Capital is a premier hard money lender with a stellar reputation and over 20 years of experience in the real estate finance industry. Our dedication to personalized lending distinguishes us, as we recognize that every borrower’s situation is unique. With our expertise and support, you can focus on growing your portfolio while we handle the financing you require.

Learn more

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

As part of a financial group, LBC Capital gathers funds through the LBC Capital Debt Income Fund. The fund’s members, who are accredited investors, invest in real estate loans, enabling us to stay ahead in the real estate investment market.

Our members enjoy 8% returns and low-risk investment opportunities.

Learn more
city view

Testimonials

More reviews
R
Raina A. Seattle, WA

“LBC Capital stood out as quick, professional, and honest compared to other brokers and major financial institutions. They closed our escrow on time with reasonable costs. After negotiating with various brokers and lenders, we quickly recognized that LBC Capital was our top choice. Alex and his team were not only prompt but also highly dependable.”

V
Valeriy U. Spokane, WA

“Underpromised and overdelivered! I was purchasing property in Palm Springs, Washington to use as an Airbnb rental. Every property I pursued had multiple offers, and I had to compete with other buyers. A hard money loan was my only option. On my realtor's recommendation, I contacted LBC Capital and spoke with Vladimir Isperov.”

D
David Cooper Tacoma, WA

“LBC Capital assisted me in securing a remodeling loan to upgrade a condo and prepare it for sale. They swiftly processed my documents, approved the loan, and wired the funds, all within two weeks. I want to personally thank Vladimir, Rico, and Ani for their availability at any time, day or night. Even after the loan was funded, they continued to provide support.”

C
Chad Young Spokane, WA

“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

  • Experience lightning-fast results in only 3-7 days with our outstanding financing solutions.

  • Flexible Loan-to-Value ratios of up to 80%.

  • Enjoy a hassle-free experience with minimal documentation needed.

  • Enjoy the best rates from 8.99%

  • We accept applicants with credit scores as low as 450.

  • Expertly accommodate a wide variety of property types.

Get quote

Empowered package

  • Flexible Financing Solutions to Fuel Your Success:

    Maximize your real estate investment potential with our adaptable financing solutions. Whether you’re funding a fix-and-flip project, embarking on new construction, or securing a bridge loan, we offer customized financial products to fit your needs. With competitive rates and swift processing, LBC Capital enables you to capitalize on lucrative opportunities and confidently achieve your investment objectives.

  • Expert Guidance for Your Unique Investment Journey:

    At LBC Capital, we do more than just offer loans – we guide you through every step of your investment journey. Our team of seasoned professionals understands that each investment scenario is unique. Whether you’re an experienced investor or new to the field, we provide personalized guidance tailored to your specific goals and circumstances. From the initial consultation to loan structuring and beyond, rely on us as your trusted partner in real estate finance.

  • Streamlined Process, Hassle-Free Experience:

    Say farewell to the complexities of traditional lending and embrace a streamlined, hassle-free borrowing experience with LBC Capital. Our simplified application process and quick approval timeline ensure you receive the financing you need promptly. Whether you’re an experienced investor or just starting out, our user-friendly approach to lending makes securing funding for your real estate ventures effortless.

FAQ

Go to FAQ page

  • 1.  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.

  • 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.  How fast can I get funded with a hard money loan?

    Hard money loans can be funded much quicker than traditional loans, often within a few days or weeks. Our streamlined application and approval process, along with in-house underwriting and processing, contribute to the speedier funding.

  • 4.  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.

  • 5.  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.

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

Discover quick and flexible financing solutions for your Washington real estate projects with LBC Capital. We offer a wide range of hard money loans, including fix-and-flip, bridge, and construction loans, all secured by properties. Our dedicated team will carefully evaluate your needs and guide you effortlessly through the loan process. Enhance your real estate journey by reaching out to us today and unlocking customized financing success.

    Get a free consultation

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