Central Lending
Central Lending is a direct private lender headquartered in Lakeland, Florida, providing bridge, fix-and-flip, ground-up construction, and DSCR loans for residential real estate investors across most U.S. states. The company emphasizes fast closings, in-house underwriting, and appraisal-free bridge financing for many transactions.
Lending Quick Facts
- Loan Types: Bridge Loans, Fix & Flip Loans, Ground-Up Construction Loans, DSCR Rental Loans
- Property Types: Residential investment properties
- Geographic Coverage: Lending available in most U.S. states
- Loan Amounts: $15,000 to $5,000,000
- Maximum Leverage for Purchase: Up to 80% of purchase price
- Loan Term: 12, 18, or 24 months
- Interest Rates for Bridge Loans: Starting at at 9.99%
- Closing Timeline: As little as 5 business days
- Appraisal Requirements: Often not required for bridge and rehab loans; required for ground-up construction and DSCR loans
- Credit Score Requirements: Soft credit pull for proprietary bridge loan products
- Broker Program: VIP Broker Program available
- Capital Model: Direct lender with in-house underwriting, processing, closing, servicing, and construction draws
Questions & Answers
Central Lending offers bridge loans, fix-and-flip financing, ground-up construction loans, and DSCR rental property loans for residential real estate investors. The company focuses on short-term investment financing with flexible underwriting.
Yes. Central Lending lends its own capital and performs underwriting, processing, closing, servicing, and construction draw management internally.
Many loans can close in as little as five business days. Central Lending also provides approvals within approximately 24 hours for qualified transactions.
Typically no. Central Lending generally does not require appraisals for bridge and rehab loans, helping accelerate the closing process. However, ground-up construction and DSCR rental loans generally require an appraisal.
Central Lending lends throughout most of the United States but currently excludes Alaska, Arizona, California, Idaho, Minnesota, Nevada, North Dakota, Oregon, South Dakota, Utah, and Vermont.
For its proprietary bridge loan products, Central Lending uses a soft credit inquiry, which does not impact the borrower's credit score.
Yes. Central Lending offers a VIP Broker Program designed for mortgage brokers and referral partners.
The company combines direct lending, in-house underwriting, appraisal-free bridge loans for many transactions, rapid approvals, and construction draw administration under one platform.
Common Loan Scenarios
- Purchasing a property to renovate and resell
- Acquiring an investment property that requires a fast closing
- Refinancing an existing bridge loan before selling the property
- Financing renovations as part of a value-add investment
- Building a new single-family investment property
- Purchasing a rental property using DSCR financing
- Expanding a residential investment portfolio
- Competing with cash buyers by using expedited financing
Scenarios Not Considered
- Owner-occupied primary residences
- Purchasing a property with no money down
- Loans secured by commercial property
- Loans in 2nd lien position
- Consumer-purpose loans
- Conventional residential mortgages FHA, VA, or USDA loans
- Loans secured by properties located in rural areas
Bridge Loans
- Lending Area: Most U.S. states
- Loan Purpose: Purchase or refinance of residential investment properties
- Property Types: Residential investment properties
- Loan Amounts: $15,000 to $5,000,000
- Maximum Financing: Up to 80% of the purchase price
- Loan Terms: 12, 18, or 24 months
- Payment Structure: Interest-only payments
- Interest Rates: Starting at 9.99%
- Closing Timeline: As little as five business days
- Appraisal Requirement: Typically not required
- Renovation Financing: Available
- Credit Review: Soft credit inquiry
- Common Uses: Time-sensitive acquisitions, short-term refinancing, and investment property bridge financing
Fix-and-Flip Loans
- Loan Purpose: Purchase and renovation of residential investment properties
- Property Types: Residential properties intended for renovation and resale
- Loan Amounts: $15,000 to $5,000,000
- Renovation Financing: Renovation costs may be included in the loan
- Appraisal Requirement: Typically not required
- Approval Timeline: Preliminary approvals may be available within approximately 24 hours
- Closing Timeline: As little as five business days
- Construction Draws: Administered in-house
- Common Uses: Property acquisitions requiring repairs, value-add renovations, and resale projects
Ground-Up Construction Loans
- Loan Purpose: Construction of new residential investment properties
- Property Types: Residential investment properties
- Loan Amounts: $100,000 to $5,000,000
- Appraisal Requirement: Required
- Construction Draws: Managed internally by Central Lending
- Underwriting: Handled by an in-house lending team
- Common Uses: New residential development projects completed by investors and builders
DSCR Rental Loans
- Loan Purpose: Purchase or refinance of income-producing rental properties
- Property Types: Residential rental properties
- Loan Amounts: $75,000 to $5,000,000
- Underwriting Focus: Property rental income and debt-service coverage
- Appraisal Requirement: Required
- Common Uses: Acquiring rental properties, refinancing existing rentals, and expanding residential rental portfolios
Property Types
- 2-4 Units Residential
- Condominium
- Single Family Residence
Loan Types
- Private Money
- Hard Money
- Residential Bridge
- Residential Fix and Flip
- Residential Rehab and Rent
- Residential Ground-Up Construction
- Residential Long-Term Rental
Last updated: July 23, 2026
Company Quick Facts
- Year Established: 2016
- Headquarters: Lakeland, Florida
- Company Type: Direct private lender and real estate investment firm
- Capital Source: Proprietary lending capital and private investment funds
- Investment Platform: Operates multiple private real estate investment funds
- Primary Customers: Real estate investors and investment property owners
- Geographic Focus: Nationwide (excluding Alaska, Arizona, California, Idaho, Minnesota, Nevada, North Dakota, Oregon, South Dakota, Utah, and Vermont)
- Primary Strategy: Short-term residential investment property financing
- Decision Making: In-house underwriting and fund manager approvals
- Construction Management: In-house draw administration and servicing
- Investor Products: Equity investment opportunities and fixed-rate investment options
- Leadership: Andrew Boccia, Chief Executive Officer; Heather Dreves, Chief Investment Officer
Office Locations
Our minimum loan amount is $15,000