GOLD LENDER
Loan Close Time: 5 business days
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.
Every construction project is a testament to an investor’s vision and ambition. At Central Lending, we’re committed to turning that vision into reality. Whether it’s your first build or one of many, we’re here to provide the capital, guidance, and support you need.
65% ARV
Get 65% of the After Repair Value.
No W-2 Required
We don’t need your W-2 to get you financed.
Up To 85% LTC
Get the funding you need to get your projects finished.
No Tax Returns
There’s no need to dig up your old tax returns.

Ratings are based on the following criteria:
Platinum & Gold Lenders
Platinum and Gold lenders are committed to delivering a modern, streamlined draw experience. These lenders typically support fully digital draw requests combined with virtual inspections across a wide range of project types. Their goal is to provide the fastest possible turnaround times without compromising risk management or construction oversight.
Silver & Bronze Lenders
Silver and Bronze lenders are still strong lending partners and have automated portions of their draw operations. However, the borrower experience may vary depending on the project type, inspection method, or capital partner requirements. In some cases, additional approval layers or third-party capital sources can increase reimbursement timelines.
About Virtual Inspections
Virtual inspections allow borrowers to skip scheduling a field inspector. They are typically reviewed within hours of submission. Borrowers must still document work thoroughly, including cost evidence (receipts) and lien waivers where applicable. Every lender listed on Lenderly offers virtual inspections and automated draw requests. The majority utilize independent construction experts for remote review, or they review submissions in house.
A draw-friendly lender is one that prioritizes speed, simplicity, and reliability when it comes to funding your project. They make it easy to request draws, minimize friction in the process, and get you reimbursed quickly so your project keeps moving.
The best draw-friendly lenders combine digital draw request tools with virtual inspections, allowing you to submit, verify, and receive funds often within 24 hours.
By comparison, traditional timelines can slow you down:
Every lender featured here offers a streamlined, digital draw process and supports virtual inspections for at least some of their loan products, helping you access capital faster and with far less hassle.