BEST Lending Co offers direct private loans for real estate investors, including fix-and-flip bridge loans, DSCR loans for rental properties, and construction financing with online closing.
Data compiled from public sources · Google rating shown when a stored review count is available
BEST Lending Co is a direct private lender specializing in short-term and long-term financing for real estate investors and developers. The company operates through an online platform and claims to have closed $250M in loan value with an 81.73% repeat client rate. Founded by an owner named Ben (according to client testimonials), the firm positions itself as a boutique lender serving the fix-and-flip, rental property, and construction development markets.
The company offers three primary loan products: Fix-N-Flip bridge loans (up to 90% of purchase price and 100% of rehab costs, rates starting at 9.50%, minimum 660 FICO), DSCR loans for long-term rentals and refinancing (up to 80% LTV, 30-year fixed, rates starting at 6.50%, allows short-term rentals), and Construction loans for ground-up and development projects (up to 85% LTC, rates starting at 9.99%, interest disbursed). All loan products can close in as little as 3-15 business days depending on type, with the fastest closings claimed at 3 days once a full package is received.
BEST Lending distinguishes itself through a fully digital application and closing process, proprietary technology for 100% online transactions, rate claims to verify compared to traditional lenders, willingness to approve deals other lenders reject, and testimonials emphasizing personalized service and quick decision-making. Multiple client reviews highlight the team's communication, knowledge of investment property loan structures, and ability to close quickly. The company also partners with industry professionals and maintains a "Project Spotlight" section featuring recent closed loans.
However, prospective borrowers should note that these are private lending products with rates significantly higher than conventional mortgages (6.50%-9.99%+ versus 3%-5% for traditional home loans), making them suitable only for short-term or investment-focused borrowing. The minimum FICO scores of 660+ and focus on real estate investors mean this lender serves a listed market, not general consumers. While the website provides client testimonials and claims competitive terms, actual eligibility fields and closing speeds may vary based on loan complexity and documentation completeness.
This is state-level context for Business Loans consumers in San Diego, CA. It does not confirm that BEST Lending Co or this specific location is licensed.
State regulator
California Department of Financial Protection and Innovation (DFPI)
Consumer protection
Status: Permitted
Rate context: 10% APR for unlicensed lenders; licensed finance lenders can exceed usury cap for loans under $10,000; AB 539 (2020) caps APR at 36% plus federal funds rate for loans $2,500-$10,000
California Constitution Article XV sets 10% usury cap for general consumer loans. Licensed finance lenders under the California Financing Law (Cal. Fin. Code § 22000 et seq.) can charge rates above the constitutional usury limit for certain loan amounts.
Status: Permitted
Rate context: Governed by California Financing Law. Licensed lenders can exceed usury cap for loans under $10,000. AB 539 caps APR at 36% plus federal funds rate for loans $2,500-$10,000.
Installment loans regulated under Cal. Fin. Code § 22000 et seq. Installment Loan Law requires disclosure of finance charge, APR, payment schedule, and other terms. DFPI oversees licensing and enforcement.
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
BEST Lending Co offers 12 services including Fix-N-Flip bridge loans (up to 90% purchase + 100% rehab, 9.50% starting rate, 5-day close), DSCR loans for rental property purchase and refinance (up to 80% LTV, 6.50% starting rate, 30-year fixed, 15-day close), Short-term rental (STR) financing through DSCR program, Construction loans for ground-up development (up to 85% LTC, 9.99% starting rate, 10-day close), 100% online application platform with real-time status tracking, and 7 more.
BEST Lending Co has profile signals associated with Real estate investors seeking short-term bridge financing for fix-and-flip projects with fast closing timelines, Landlords refinancing or purchasing rental properties (including short-term rentals) wanting DSCR loan qualification without W2 income, Developers and builders needing ground-up construction financing with interest-as-disbursed structures and application-timing claims, Experienced investors who have been rejected by traditional lenders but have strong deal fundamentals and equity position.
Key strengths: Fully online application and closing process with eSignature capabilities and 100% digital document uploads; Extremely fast closing times: 3 days after full package receipt, with advertised closes as quick as 5-12 days depending on loan type; High LTV/LTC ratios: up to 90% on fix-and-flip purchases, 100% rehab financing, and 80% LTV on DSCR loans. Areas to consider: Private lending rates (6.50%-9.99%+) are higher in listed context than conventional mortgages (typically 3%-5%), making long-term financing expensive; Minimum 660 FICO score requirement excludes borrowers with credit challenges; no mention of credit flexibility or repair options.
In the Business Loans category, comparable providers include Atlanta Title Loans, City Bank Mortgage, LoanHQ. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
BEST Lending Co is a listed private lender for real estate investors, not a consumer finance company. It is best suited for experienced fix-and-flip investors, landlords, and developers who need fast, flexible short-term or investment-focused financing and have properties with strong equity and deal fundamentals. The critical caveat is that rates are higher in listed context than conventional mortgages (making this appropriate only for short-term hold periods or cash-flowing rentals) and the company does not serve borrowers seeking primary residence mortgages or general consumer lending.
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Lenders are required to show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the lower-cost loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
The percentage a lender charges you for borrowing their money, calculated on the amount you still owe. It's the lender's profit for taking the risk of lending to you.
Even a 1% difference in interest rate can cost you thousands over a loan's life. Lower rates mean less money out of your pocket.
Example
On a $20,000 car loan for 5 years: at 5% you pay $2,645 in interest. At 8% you pay $4,332. That 3% difference costs you $1,687 extra.
A person who agrees to repay your loan if you can't. They're equally responsible for the debt, and their credit is affected by your payment behavior.
Cosigning helps people with thin credit get approved or get better rates. But it's a huge risk for the cosigner — they're on the hook for the full amount if you default.
Example
A parent cosigns their child's $30,000 student loan. The child stops paying after 6 months. The parent is now legally required to make the payments or face collections, lawsuits, and credit damage.
How long you have to repay the loan, measured in months or years. A shorter term means higher monthly payments but less total interest paid.
Longer terms feel more affordable monthly but cost much more overall. A 30-year mortgage costs almost double in interest compared to a 15-year mortgage on the same amount.
Example
Borrowing $200,000 at 6.5%: A 15-year term costs $1,742/month ($113,561 total interest). A 30-year term costs $1,264/month ($255,088 total interest). You save $141,527 with the shorter term.
A one-time fee the lender charges to process and set up your loan. It covers their costs for underwriting, verifying your information, and preparing paperwork.
Origination fees are usually 1-8% of the loan amount and are often deducted from your loan proceeds — so you receive less than you borrowed.
Example
You're approved for a $10,000 personal loan with a 5% origination fee. The lender deducts $500 upfront, so you receive $9,500 in your bank account but owe $10,000 plus interest.
The original amount of money you borrowed, before any interest or fees are added. It's the 'real' amount of your debt.
Your interest is calculated on the principal. Paying extra toward principal (not just interest) is the one route to reduce your total cost and pay off a loan early.
Example
You borrow $25,000 for a car. That $25,000 is your principal. Your first payment of $450 might split as $150 toward interest and $300 toward principal, bringing your balance to $24,700.
The process where a lender evaluates your finances — income, debts, credit history, assets — to decide whether to approve your loan and at what rate.
Understanding what underwriters look for helps you prepare a stronger application. They check your DTI ratio, employment stability, credit score, and the asset's value.
Example
You apply for a mortgage. The underwriter reviews your pay stubs (income), bank statements (savings), credit report (history), and orders an appraisal (home value). This takes 2-4 weeks.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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