GOLD LENDER
At Central Lending, we’re more than just a financial institution; we’re a dedicated team of professionals passionate about empowering real estate investors. Our mission is to provide unparalleled capital, guidance, and service, ensuring every client feels valued and understood. As you meet our team and explore our core values, you’ll discover the commitment, expertise, and personal touch that set us apart in the lending industry.
Welcome to Central Lending – where your vision meets our expertise.
Central Lending handles processing, closing, and construction draws entirely in house, which is where its speed comes from. On investor rehab loans, draws are funded in five business days; on ground-up construction loans, draws are funded in three to four business days. Because the same team underwrites, closes, and manages draws, there is no handoff to a third-party servicer.
Central Lending does not publish whether draw inspections are physical or virtual, so that is worth confirming for a given project. On closing, the company says it can close in as little as five business days, usually without an appraisal, with bridge loans closing in as little as three days and some loans, closing in as little as 48 hours. For rehab and construction investors who need predictable draw timing, the published three to five business day draw windows are the key numbers to plan around.
Central Lending is a direct private lender in Lakeland, Florida that funds bridge, investor rehab, ground-up construction, and 30-year DSCR loans from its own funds.
• Investor rehab: up to 85% of the purchase price plus all construction costs (hard and soft), with draws in 5 business days.
• Ground-up construction: up to 85% loan to cost (LTC) and up to 65% ARV, with draws in 3 to 4 business days.
• Bridge: up to 80% of the purchase price, closing in as little as 3 days.
• 30-year DSCR loans for long-term rental holds. Central Lending closes in as little as 5 business days, usually without an appraisal, and handles processing, closing, and construction draws in house.
Central Lending, LLC is a direct real estate investment lender headquartered in Lakeland, Florida, offering bridge, investor rehab, ground-up construction, and 30-year DSCR loans from its own funds. It lends to real estate investors in all states except Alaska, Arizona, California, Idaho, Minnesota, Nevada, North Dakota, Oregon, South Dakota, Utah, and Vermont, for real estate investment purposes.
