Suburban housing tract with mountain backdrop

Center Street Lending

Center Street Lending is a partnership-focused private lender dedicated to building lasting relationships and simplifying the real estate funding process.
Fix & Flip

Overview

Center Street Lending is a nationwide private lender focused on residential real estate investors, operating under the tagline “Smarter Loans for Residential Investors.” The company was founded in 2010 by the former president of a public home builder, and it lends with a residential investor-first mindset shaped by that development background.

Center Street Lending puts white glove service at the center of the experience, pairing quick turnarounds with dedicated in-house draw and servicing teams that support borrowers from application through payoff. The company emphasizes competitive leverage and pricing, full transparency, and no hidden fees across its loan products.

With more than 16 years in business, over 9,700 projects funded, and a 4.8 out of 5 Google review rating, Center Street Lending lends throughout the United States and works with borrowers, builders, brokers, real estate agents, and general contractors.

Draw & Construction Process

Center Street Lending handles its draw and construction loan servicing entirely in-house, with 100 percent of draws and servicing managed by its own teams rather than third parties. A dedicated draw and servicing team supports borrowers through the life of the construction loan, built around quick turnarounds and fund control.

Construction draws are requested and managed through Center Street Lending’s OneSite portal, where borrowers submit and track draw requests directly. The company emphasizes minimal documentation and clear communication throughout the process. In published client reviews, borrowers describe the construction draw process as fast, citing minimal paperwork and quick appraisal turnaround.

Best For

Loan Programs

Flexible fix and flip loan structures optimized for your residential investments:

States Served

Resources

Legal / Disclosures

Center Street Lending is a licensed real estate investment lender operating across multiple states. Its licensing and registration details, as published on the company’s website, are listed below.

  • NMLS 905781
  • California Financing Law License No. 60DBO-57755
  • California DRE License No. 01883377
  • Arizona Mortgage Banker License (MBL) No. 0930263
  • Oregon License No. ML-5838
  • Florida Mortgage Lender Servicer No. MLD1180
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