LP Finance Group LLC is a licensed lender and broker under California Financing Law. LPFG funds non-conforming commercial, and investment residential loans in markets nationwide. LPFG also functions as a correspondent or preferred origination source for a small group of banks, institutional lenders, investment funds and private finance companies. For SBA loans, Paycheck Protection Program (PPP) loans, and for other loan types LPFG does not fund directly; LPFG acts strictly as a loan packager for, or a referral source to, those entities licensed to lend.

If you are a lender, mortgage/loan broker, ISO, finance professional or entrepreneur looking to leverage our non-conforming real estate and business loan programs to increase your revenue, then you can request a broker form and get approval as a Referral Partner (there is no cost to register and it only takes a few minutes). Once approved you will be eligible to receive competitive referral fees on loan closings you referred to us, and view the status of your referral pipeline 24/7 in our comprehensive partner portal.

If you are a borrower looking for financing in this market, you know the process can be difficult and confusing. LPFG is an experienced lender, founded in 2017, with a focus on customer service, transparency and ethical practices. We have always concentrated on providing non-conforming borrowers the most competitive and affordable loan options, and we have built a reputation as a market leader doing just that (Google us!).

If you are a broker or lender, then you know loan fallout is a costly issue that can be resolved and monetized by the right strategic partner. The loan programs LPFG offers are genuine and they perform. We utilize the latest technology to offer our partners the opportunity to convert their leads and fallout into significant revenue. We operate as your back-office so that you can focus your effort on what’s most important to you. We offer competitive referral fees, volume incentives, and additional benefits such as co-branded loan referral links and referral tracking. Once approved you’ll receive access to our innovative partner portal where you can view the status of your referral pipeline 24/7 and manage your account.

Once LPFG has analyzed a loan submission and determined its eligibility for financing, a Conditional Financing Approval (CPL) and/or a Letter of Interest (LOI) is issued. Upon acceptance and signing of the CPL, no upfront fees are required. Upon acceptance and signing of an LOI, the borrower will be required to pay a non-refundable underwriting or appraisal fee ranging from $100 to $2,500 depending on the loan program applied for. Refunds will not be issued on transactions that do not close because of borrower/broker misrepresentation, cancellation, delays, inability to meet documentation or information requests, omission or fraud, or due to adverse results of third-party reports. A previously submitted underwriting or appraisal fee will be returned in the event that a loan does not close due to LPFG error or failure to perform as outlined in the LOI.

For our commercial real estate loan programs, LPFG is usually compensated directly by our investors or from the sale of our loans, thus we do not ordinarily charge the borrower any excessive points or fees. For SBA, business loans, or loan funded by third-party lenderes, LPFG charges market fees. We will always provide a fee quote upfront upon request so there are no surprises for the broker or borrower.

It takes approximately 3 to 4 days to close a commercial or non-owner occupied residential loan transaction. SBA transactions can take anywhere from 30+ days.

We offer loan programs nationwide, and in most domestic primary, secondary and tertiary U.S. markets. We also offer specific business loan programs in all countries subject to our international loan terms but totally at our discretion.

Only commercial real estate, 1 to 4 unit non-owner occupied residential properties held (or to be acquired) for investment purposes, businesses and hard business assets (i.e.; equipment, machinery, etc.) are eligible for financing under our programs. We do not offer financing on owner occupied residential properties, securities or any other types of collateral.

LPFG has no subsidiaries, parent companies or agents, and only those individuals listed on the LPFG website and who have a lpfinance.us email extension and LPFG phone number, are authorized to transact business for LPFG. LPFG approved Referral Partners are only authorized to refer LPFG eligible borrowers for potential financing, and LPFG approved Referral Partners are independent, third-party individuals and/or companies, are not subsidiaries, agents, or employees of LPFG, are not authorized to make representations, or conduct business on LPFG’s behalf, nor commit LPFG to any obligation. Any third-party found to be making a claim of affiliation with LPFG, a representation or commitment on behalf of LPFG, or requesting funds on behalf of LPFG, will be viewed as having committed fraud and be prosecuted to the fullest extent of the law. If you feel you have encountered an individual or entity committing such fraud, falsely issuing documentation on behalf of LPFG, or attempting to collect funds on behalf of LPFG, please contact us immediately at info[at]lpfinance.us.