Loan Programs

Downey Commercial Real Estate is a thriving industry in the vibrant city of Downey, California. When it comes to financing commercial properties, INBANET, a reputable lender in the State, stands out with its Direct Hard Money and Non Prime/Stated Lending services. Offering loans for a wide range of commercial and residential properties, excluding mobile/manufactured homes, INBANET takes pride in its hassle-free, smooth closings and prompt customer support. With their equity-based lending approach, they require minimal documentation and appraisal-free loans for over 70% of the funded amount. While their primary focus is California, INBANET extends its lending services nationwide, catering to major metropolitan areas. Whether it’s a commercial construction loan, government loan in Downey, or assistance with loan deeds for your construction project, INBANET is the trusted lending partner to rely on.

Properties we lend on:

  • Investment/Strictly Business Purpose 1-4 Units, Multifamily (5+ Units), Mixed Use, Retail, Office, Automotive, Self-Storage, Warehouse, Light Industrial, Special Use Property, Restaurant, Strip Mall, House of Worship, Land…
  • (We lend to all types of entities – LLC, Corps/LLP,Trust, etc.)

For a full list of property types click here!


A.R.V. Based

  • Up to 90% LTV*
  • 100% rehab (No interest, until drawn)
  • Starting rate: 9.5% + 2 Points1
  • Loan amount: $250,000-$15 Million
  • 12 months term with no prepay penalty
  • Under an entity (Corp/LLC) only
  • As is & ARV appraisal required
  • Proven experience dictates leverage & rate

2 Day Closing

  • Funds in 2 days after commitment
  • Starting rate: 9% + 2 Points1
  • 12 months term
  • Up to 85% LTV
  • No appraisal
  • Decision in hours, not days
  • No rehab financed
  • For Southern California Only

1 Depends on experience, loan amount and leverage


Diamond Program

  • Funds in 5-7 days
  • Rate: 8.99% – 11.99%2
  • 1-3 year term
  • Up to 75% LTV
  • Foreclosure/Bankruptcy/bad credit OK
  • Loan amount: $100k to $3M
  • Foreign / ITIN borrowers welcome
  • For California only

2nd TD

  • Funds in 7-10 days
  • Rate: 10% – 14%2
  • 1-2 years term
  • Up to 65% CLTV for residential properties
  • Up to 60% CLTV for commercial properties
  • Not Fico driven
  • Loan amount up to $1M
  • For California only

2 Depends on loan amount, leverage and term


30 years fixed (Nationwide)

  • Funds in 30-45 days
  • Rate: In the 7%3 +
  • Amortized & Fixed for 30 years
  • LTV-75% Commercial/80% Residential
  • Mid Fico 650
  • Loan Amount: $200k to $5mil
  • No Tax Returns
  • Seller carry / 2nd lien allowed

3 Buydown required

If you have any questions about our loan programs please fill out the form below:


Loan Programs: Exploring Hard Money Lenders Los Angeles

When traditional lending institutions are not an option, hard money lenders can be a great alternative for securing financing. Hard money loans are short-term loans that are secured by real estate assets, and they can be a viable option for real estate investors who need quick access to funds. In Los Angeles, there are many hard money lenders available who specialize in providing financing solutions for investors.

80 LTV Hard Money Loans

80 LTV hard money loans are an excellent option for real estate investors who need to finance up to 80% of the property value. These loans are particularly useful for investors who have limited capital to put down on the property or who need to move quickly to secure a deal. Many hard money lenders in Los Angeles offer 80 LTV hard money loans

Debt Consolidation

If you have multiple debts, consolidating them with a hard money loan can be a smart financial move. Inbanet can help you consolidate your debts into a single loan, making it easier to manage your finances. Debt consolidation can also help you lower your interest rates and monthly payments, making it easier to pay off your debts.

Investment Property Loans

Investment property loans are designed for investors looking to finance their real estate investments. Hard money lenders in Los Angeles specialize in providing investment property loans, offering flexible terms and competitive interest rates. These loans are particularly useful for investors who need to move quickly to secure a deal or who do not qualify for traditional loans.
Contact Inbanet – a hard money lender in Los Angeles to learn more about their loan programs and find the right solution for your investment needs.
Introducing INBANET: Your Trusted Fix & Flip Loan Partner in Downey, CA! As a leading direct hard money and non-prime/stated lender, INBANET specializes in seamless financing solutions for various Commercial and Residential properties. With a commitment to hassle-free processes, INBANET offers swift, no-hassle closings and round-the-clock support. As an equity-based lender, they provide quick answers and require minimal documentation, making them the go-to choice for hard money loans. Notably, their 70% plus funded loans don’t necessitate appraisals. While based in California, INBANET extends nationwide, making your fix and flip dreams a reality, both within and beyond the state.