We Fund It, You Fix It

1-4 Unit Properties

Our loans are designed for 1-4 unit residential investment properties.

Fast Funding

Draws in 3-4 business days.

Expedited Closing

Don’t wait months to close! Get your funds quickly.

Flexible Lending Options

Great rates & flexible terms.

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Get Approved

Borrower Requirements

  • Moderate Credit: Central Lending doesn’t require you to have perfect credit to qualify for a loan, but established credit does help.
  • Some Cash: We fund up to 85% of the purchase price and all construction cost including hard and soft costs.
  • No Major Crimes: We require that you have no financial crimes or felony convections. Other charges are reviewed on a case-by-case basis.

Fast Funding For Renovations

Short-term bridge loans for the renovation of residential, 1 – 4 unit properties.

Rates As Low As 9.99%

Competitive rates and loan options.

Loans Up To $1M

Get the amount of capital you need.

Up To 85% Of Purchase Price

Work with a lender that can fund your entire project.

12, 18, & 24 Month Terms (Interest Only)

Flexible terms and other loan options.

Experience The Central Lending Difference

Experience unparalleled service, tailored solutions, and a partnership that prioritizes your vision at every step with Central Lending.

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  • We are a direct lender.

  • Get terms in minutes and approvals in 24 hours.
  • Close your loan in as little as 3 days!
  • Talk directly to the decision makers.
  • Expert advice from lenders who are also highly experienced real estate investors.
  • Wholistic approach to help you build a successful real estate portfolio and business.

Other Lenders

  • Most “lenders” are actually brokers that work with lenders like us. Lenders ultimately make the decisions about your loan.

  • Brokers respond slowly since you are dealing with a third party. You also pay higher fees.

  • Other “lenders” take over a week to close “quickly” and often miss closings due to their inexperience.

  • You can’t speak to a decision maker.

  • Your loan officer likely has no experience in investment real estate.

  • Transactional approach, where the fee earned on the current deal is the motivating factor.

Need a personalized solution?

Dive into Central Lending’s bespoke financing options, crafted meticulously to align with your unique real estate investment aspirations.

Contact Us

Office

401 Florida Ave S, Lakeland, FL 33801

Contact

admin@centrallending.com

Open Hours

Monday & Friday: 8am — 5pm (Eastern)

What do you qualify for?

Interested in seeing a terms sheet? Click the button below and fill out every field on our contact form. We will get back to you within one business day with a quick terms sheet.

Ready to apply now?

If you have all your documents and you’re ready to apply for a loan, click the button below.