I’m a Funding Consultant who does more than find financing—I help my clients borrowers structure stronger deals. I analyze your project, identify the best funding options, and teach you creative financing strategies to help reduce cash to close, leverage equity, and solve financing challenges. My goal is to help you structure the deal from funding through exit.
HLCS Services specializes in finding financing solutions for transactions that may not fit traditional bank guidelines. As a Funding Consultant, Lidia Hicks does more than locate capital—she analyzes the entire deal, identifies financing challenges, and helps borrowers structure creative solutions to get projects funded.
Our niche financing programs include:
We also help borrowers understand and implement creative financing strategies, including land equity, seller financing, seller carrybacks, joint ventures, interest reserves, private capital, strategic partners, cross-collateralization, mezzanine financing, and DSCR or conventional refinance exit strategies.
Before submitting a transaction, we analyze important factors such as ARV, LTV, LTC, DSCR, NOI, construction budget, equity, credit, liquidity, net worth, experience, reserves, and exit strategy.
We don't simply look for a lender—we help structure the deal.
Our goal is to help investors, builders, and developers obtain competitive financing while preserving cash, leveraging existing equity, and finding creative ways to turn challenging transactions into fundable opportunities.
All financing is subject to lender underwriting, eligibility requirements, property qualifications, and final approval.
Changes to the Property Value could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
You can change the property value by moving the Property Value slider up or down or by entering a new Property Value manually in the Property Value box.
When you change the Property Value, only the LTV will change, and the Loan Amount will remain the same Loan Amount.
Other advanced sliders’ options are available with Lendersa® Advanced Calculator
CloseChanges to the loan amount, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
CloseLTV is the abbreviation of Loan To Value, and it is the ratio between the Loan Amount and the Property Value. The formula to calculate LTV is Loan Amount divided by the property value. 
Example: Loan Amount $300,000, Property value $400,000 
Changes to the LTV, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
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