INBANET functions as a Direct Hard Money and Non-Prime/Stated Lender, offering loans for various types of Commercial and Residential properties, excluding mobile and manufactured homes. Our standout feature is the hassle-free, streamlined closing process. We provide prompt support and responses—typically within a few hours—requiring minimal information from borrowers and referral sources. As a truly equity-based lender, we focus on hard money financing with a straightforward approach, requiring almost no documentation or extensive inquiries. Notably, we finance over 70% of our loans without needing appraisals. While our primary operations are in California, we also serve major metropolitan areas nationwide. In California, we have no minimum or maximum loan amounts, but outside the state, our loans range from $200,000 to $2 million. We do not provide ground-up construction loans or loans for owner-occupied or consumer purposes. Our offerings include: - Fix & Flip Loans (ARV Based) - 90% of the purchase price and 100% of rehabilitation costs - Fix & Flip Loans (As-is Based) - Maximum of 90% Loan-to-Value (LTV) - Residential Bridge Loans - Up to 75% LTV - Commercial Bridge Loans - Up to 70% LTV - Nonprime/Stated Loans - Maximum 80% LTV (for both commercial and residential properties) - Fully Amortized 30-Year Fixed Loans available - Closings in 2 to 5 days (California only) - Second Trust Deeds available up to 65% for Residential and 60% for Commercial - Hard money starting rates at 8.5% and Non-Prime/Stated loans at 6.49% - Maximum of 2 points in most cases.