$5,000,000 FUNDED / HARD MONEY

One day, we got a call from Ken, William's realtor in NY, mentioned about getting a loan of 50% LTV of his client's 175-unit apartments. Free and clear. 100% tenant occupied. Nice and good location. We always asked the reason why our clients want to get hard money instead of long good term. William needed the fund to buy the next door office building for a good bargain. The property was listed for $7M with 65% tenant occupied (T/O). Banks won't do it since they want at least 90% T/O. Private lenders want it at least 75% (T/O) to meet the guideline. So, he negotiated and got $5M cash from his apartment to pay in full.

We are here for you to build your wealth. In business, nothing is better than "Use people's money to make more money for you".


Ann is a nails salon owner that generates around $600K in her business. Now, she starts investing in Real Estate and falls in love with a 5-unit retail building, 100% tenant occupied.

With this type of asset, we funded her in 45 days for a fixed rate 30 year term. She went with No Tax Returns program. 740 credit. Ann and her fiancé Jack contacts us often and seeks for financing advices.

Jack just called and ask for $6M for 120 unit apartment in Corpus Christi. They wanted to partner with two other partners and also looking to cash out refinance their other rental properties to have at least 25% down of the $6M purchase price.

They love how we got the job done. Either banks or private lenders or hard money. We are always fast and help them plan ahead.


John is referred by a realtor. He is a experienced land developer and a licensed builder. He bought the land for $400K free and clear and looked for a loan to build 12 SFH properties to sell.

We use his land as his down payment and funded him the rest for his construction project. We offered 6%, 2 year term, a bank loan since he has perfect credit, the last two years of tax returns look profitable. He owns several Commercial properties.

With an experienced borrower and perfect financials, we close the deal so easy. It makes sense for any banks, lenders and investors to put their money in someone’s hand that they can tell they trust.

We all are here to do business and we want the best not only for our borrowers, our clients but also to all our banks, lenders and our investors. We want to do real profitable business, real deals, real investors and real lenders. We are here to make sure we win your business!

$535,000 FUNDED / SBA

One day, Tanny received a text message from us advertised loans that we offer. He was so kind gave us a call back and said: “I got approved from my bank already for my nails salon and a restaurant. It had been 3 months now and he was about to close very soon!” Jen was so glad and responded “I’m so glad that you got it approved, but just be careful because nothing 100% sure until a bank funds. If last minutes, if anything does not work out, please we are here to help”.

Two weeks later, Tanny called and said in disappointment “The loan is failed. Can you help me? My wife and I could not sleep in 3 months already.”….

Here, we care each client as our family member. In the end of the day, yes, we need to bring food on the table but what makes you worry, stressed, we feel the same way and try to save the deal, walk you through and do whatever it takes to get you funded without losing more money and time.

We started our conversations on the phone and point out all details of the deal. Tanny was trying to purchase a vacant building, divide it into two space. One for a nails shop 2,500sf and the other one for a restaurant 2,500sf. Another issue was his bank waited until the last minutes to review his bank statements in the last three months and they could not verify his $5,000; $10,000 deposits… Since there were his cash savings.

At Khang Lending, we work side by side with our decision makers and brought the issues upfront to discuss. That is what makes us different!

We funded Tanny and guess what, he did not pick up our phone call after closing, because he was taking his wife to buy groceries and have a big party at home for that day. You know what, your joy is our joy! Blessings.

$495,000 FUNDED / SBA

Lan and her husband owns a lot of business: nails salons, restaurants, washateria, several rental properties and Commercial that have cash flows  daily and monthly.

One day, they called and visited our office. We helped her to purchase a big nails salon here in Houston, the annual sales was $1.6M and sold for $635K.

The loan process was about 2 months since our bank approved, ordered an appraiser came to took some pictures of the salon and verify the business access, the underwriter team worked on the tax returns, verify income and the legal team have all the loan docs ready.

Our closing went fast. Our bank transferred the fund directly to our borrower’s attorney and from there, funds were sent to the seller and our borrower for their cash flow reserves.

Lan was so glad that we made it for her. She paid the loan off in 1 year only with our term offered was 10 year. Lan became our VIP clients, every time she calls for help in any loans: Rental, Commercial or business purchase, we are here for her.


This deal just got funded earlier!

45 days ago, Danh called with a big stress since his realtor did not help much and his loan officer did not advise him correctly. The bank denied to close and he ended up lost all his upfront cost, earnest money…

Financing a rental property is too easy for us to do since it’s no income check, no employment and no down payment verification. It is 85% off the hard compared to bank loan. We got him 5.1% fixed 30 years. So depends on credit, property condition and market rent, we have different rates for clients nationwide.

This is one of our popular programs: RENTAL PROPERTY FINANCING. We close this type of deal every day, not every month. We love this product and it has been a great help in our communities for Real Estate Investors who can’t verify their income on tax returns or they can even just make deposits into their bank a week right before closing for a down payment. We don’t need gift letters or verify where the fund comes from. NATIONWIDE!

Sending right clients to a right program is our job.

We gave him a call to say congratulations and we can tell how much he feels grateful and trusting us. Guess what, Danh’s father is purchasing another rental property and we just approved his credit.