No stored Google rating available.
Los Angeles LDC provides capital and financial advisory services for community development and real estate projects in distressed LA neighborhoods, serving businesses and nonprofits for 30+ years.
Data compiled from public sources 0
Los Angeles LDC, Inc. is a community development financial institution (CDFI) based in Inglewood, California, that has served the Los Angeles area for over 30 years. The organization focuses on providing capital and advisory services to foster positive community development impacts, particularly in distressed neighborhoods. Their stated mission is to align the needs of borrowers and investors while supporting economic growth in underserved communities.
The company offers two primary service categories: business capital financing and financial advisory services. On the capital side, they reference programs including a 504ACE Debt Fund and involvement with federal and state loan listed refund term programs. Their advisory services encompass evaluating alternative capital sources, preparing confidential information memoranda, identifying prospective investors, analyzing pricing and underwriting criteria, supervising due diligence, and negotiating and closing transactions across real estate, corporate, and municipal finance sectors.
Los Angeles LDC distinguishes itself through deep specialization in community development finance and minority business lending, evidenced by partnerships with institutions like the USC Lusk Center and programs like the Minority Program. The organization appears to focus on clients and projects that traditional lenders might overlook, with explicit attention to serving African-American entrepreneurs and distressed neighborhoods. Their advisory approach emphasizes strategic problem-solving and cost-efficient transaction execution.
The main caveat is that Los Angeles LDC operates as a listed CDFI rather than a conventional lender, meaning their loan products and terms are likely not publicly standardized and require direct inquiry. Their website provides limited specific information about loan amounts, rates, or detailed program requirements, suggesting a relationship-based or project-specific lending model rather than standardized consumer lending.
This is state-level context for Business Loans consumers in Inglewood, CA. It does not confirm that Los Angeles LDC Inc 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.
Los Angeles LDC Inc offers 12 services including Business capital financing through 504ACE Debt Fund, Federal and state loan guarantee program structuring, Financial advisory services for real estate transactions, Corporate finance advisory, Municipal finance advisory, and 7 more.
Los Angeles LDC Inc has profile signals associated with Minority-owned business owners seeking capital for community development projects, Real estate developers and nonprofits focused on distressed neighborhood revitalization, Businesses in underserved areas unable to access conventional financing, Project-based borrowers needing structured financial advisory alongside capital.
Key strengths: 30+ years of experience specifically serving Los Angeles community development projects; Specializes in financing for minority-owned businesses and distressed neighborhoods with demonstrated impact; Offers comprehensive financial advisory services including investor identification and transaction negotiation. Areas to consider: Website provides no specific information about loan amounts, terms, rates, or repayment periods; No online application or prequalification details visible despite prequalification form link on navigation.
In the Business Loans category, comparable providers include Clarifi, Community Services of Nevada, Nicetown Community Development Corporation. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Los Angeles LDC is profile signals for minority-owned business owners, nonprofits, and real estate developers seeking patient capital and expert advisory services for community development projects in distressed LA neighborhoods. The primary caveat is that they operate as a listed CDFI with relationship-based lending rather than standardized products, requiring direct outreach to discuss specific financing needs and eligibility.
View this provider profile and compare source-linked details before choosing what to do next.
Profile signals: Low- and moderate-income families seeking judgment-free debt and budget counseling in the PA/NJ/DE region, Homeowners needing assistance with essential repairs and accessing repair grant programs
View this provider profile and compare source-linked details before choosing what to do next.
Profile signals: First-time homebuyers in Nevada seeking education on the mortgage process and down payment options, Nevada homeowners facing foreclosure exploring alternatives and loss mitigation options
View this provider profile and compare source-linked details before choosing what to do next.
Profile signals: Philadelphia homeowners facing foreclosure or tax delinquency seeking preservation assistance, Low-to-moderate income Nicetown residents needing resource referrals and community support
Answer 3 quick questions to review category, service, and profile context.
1. What's your primary financial goal?
Learn exactly how credit score tiers work, what range you fall into, and the specific steps to move up to the next tier where better rates and approvals wait.
Read guide →Learn exactly how to check your credit score for free using legitimate sources, understand the difference between soft and hard inquiries, and know your rights under federal law.
Read guide →A plain-language breakdown of every factor that goes into your credit score, with specific steps to improve each one even if you're starting from a tough spot.
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.
Affiliate Disclosure: CreditDoc may earn a commission when you click links to Los Angeles LDC Inc and other services. These commissions help us maintain our free research. Compensation does not determine whether a provider can be covered; visible star ratings use stored Google review ratings when available. Learn more.