About Us

Inbanet is a premier direct hard money and non-prime lender for commercial and investment residential (strictly for business purpose) properties nationwide with a consortium of solid private-label investors, hedge funds, private equity companies, and family offices to facilitate quick and efficient closing with most common sense approach for our clientele.

Over half a decade of combined experience, Inbanet is thriving every day to new success levels, and of course, it was not possible without transacting with our respected clientele (Borrower/Broker/Investor) such as yourself.

We wish to be part of your success and work with you in your utmost or straightforward, challenging, and ultra-complex transactions. We give our 100% to each transaction, whether the loan amount is $100,000 or $5 million or more.

Inbanet emphasizes providing a smooth transaction for our customers in today’s constantly changing/challenging lending environment. The current underwriting practices are much stricter and not so flexible. That’s where we come into the picture, to give assurance to our clients and provide them with “peace” of mind.

Inbanet has underwritten over $350 million in loans since our inception. This demonstrates a financing company with common sense, flexibility, and creative approaches that can prosper by providing clients with an alternative option to institutional lending.

Inbanet offers our clients preferred relationships through our vast array of lending sources when local banks cannot perform.

These and many other benefits are the heart of Inbanet’s success.

Inbanet is committed to providing you with reliable and accurate service. We will be there when you need us. Whether it’s in the beginning stage of the loan, three years after the closing of your loan, or anytime you require our help, you are given our undivided attention.

Allow us to be your partner in achieving your financial success.

Cost Efficiency100%

Our Mission Statement

Guided by a restless focus on three major aspects of our business; Lending and Realty Services accompanied by various Investment Offerings in both Commercial & Residential Real Estate, Inbanet brings quality to our partners, clients and investors.

We dedicate ourselves to create a system that respects and suits people from diverse backgrounds. In today’s continuously fluctuating market, each loan is unique and confronts different challenges. The industry continues to evolve with innovative loan products available to benefit borrowers, which we utilize in our transactions.

Inbanet recognizes the challenges in the real estate market. Therefore, we have established an approach to leverage our strategic network relationships. This system can take various forms: correspondent relationships, domestic, commercial banks, insurance companies, pension funds, or private lenders.

Inbanet has successfully performed, on various occasions, double-digit yields for our investors in less than six months from the initial moment of investment. We envision a future of Joint Ventures and Debt & Equity mixtures.

Inbanet’s mission is The Best possible loan option for our Clientele, the Best service and quick solutions for our Partners, and finally, the Best rate of returns for our Investors.

Inbanet lives by Loyalty, Integrity, and Trust (LIT). 

Executive Team


Founder & Managing Partner

CA DRE LIC # 01827321
NMLS # 380632

Brokerage Team

Commercial/Hard Money Loan Officer

CA DRE LIC #02017857

Armando Garcia
Commercial/Hard Money Loan Officer

CA DRE LIC #01241876

Operations Team

Edwin Calvillo
Operations Director


Alexandra Flores
Loan Coordinator


Kathy Navarro
Office Manager


Meldrid Diaz
Administrative Assitant 


Jade Ramos
Senior Processor