At BorrowLabs, we strive to bring modern user experience – simple, transparent, straightforward, and goal-oriented – into hard money lending. We want California real estate investors to cross out the cumbersome process of obtaining a loan from their list of headaches, making it instead just a tiny checkbox on their to-do list.

How we want to make your life easier

We collect as little paperwork as possible from our borrowers, pulling as much data
as we can from our vendors and sourcing the rest directly from the escrow.


Apply for a loan online

Check the loan terms, fill in the application with the help of our interactive interfaces, and finalize with a digital signature. If you need a human hand to hold, chat with your loan officer is always there for you.

We review your application right away

As soon as you’re done filling out your application, our loan officer reviews it, asks questions, if any, and requests the supporting documents from you, the escrow, and the third-party data providers.

Pulling reports to save your time

We digitally pull additional information from our providers and order property valuation to verify the deal as quickly as we can. The platform bundles the reports together with your documents for us to analyze the deal.

Get your loan in a heartbeat

Track all your updates, including the one saying that we’re ready to close, in real time. Good luck with your project and we are looking forward to seeing you back with the next one!

People you’ll see the most

Leo Markin, Founder, CEO
Proud father of four kids, Leo’s background is in investment and asset management. His entrepreneurial experience in the tech industry inspired Leo to look at hard money lending in a new way.

16 years

experience in lending

53 branches & 400 employees

founded and grew a major car title company
Alex Kush, Founder
Alex founded and successfully managed several real estate, mortgage, development, investment, and health care businesses in California, including leading his company through a global real estate and mortgage market collapse.

20 years

experience in executive management


mortgages funded and closed

140 homes

closed hard money loans

100+ properties

Daria Generalova, Founder, COO
Management, business development, marketing and communications specialist with focus on financial technologies. Can talk endlessly to anyone who will listen about building a user experience where you don’t have to talk to people at all.

13 years

experience in marketing

4 fintech companies

co-founded in the USA and globally

10+ conferences

was a speaker worldwide
Lina Miller, VP of Lending
Having lived in Los Angeles, San Diego, and the Bay Area, Lina, a former real estate flipper herself, is passionate about educating new people in the industry. One of her dreams is to lend money for a petting zoo development one day.

19 years

in sales and customer service

since 2014

in hard money lending

100 deals & $60 mln

closed hard money loans

So what do you need to get started?

Start with the calculator and find out your rate. If you have any questions,
please leave your phone number and we will call you back.