Center Street Lending

What Center Street Lending does

Center Street Lending is a privately held, Irvine, California-based hard money lender founded in 2010 by the former president of a public home builder. The company originates non-owner-occupied residential real estate loans nationwide, targeting fix-and-flip investors, builders and developers, bridge-financing borrowers, short-term rental owners, and long-term rental (DSCR) investors. Its core product set comprises five loan programs: Fix and Flip (6–24 month terms, up to 95% LTC, $150K minimum), New Construction (up to 85% LTC), Bridge (12-month terms), Short Term Rental (up to 60% cash-out), and DSCR Rental (30-year terms, $100K minimum). All products are underwritten and serviced internally, with dedicated draw teams and fund-control workflows, which the company presents as a primary differentiator versus third-party-serviced competitors.

The operating model is balance-sheet lending using the company's own capital, enabling rapid credit decisions without external fund-of-funds approval cycles. Distribution is multi-channel: direct website applications, phone-based loan origination managers, a nationwide broker network (with $3.5B+ lifetime brokered originations across 3,500+ projects), real estate agent referrals, and general contractor partnerships that help less-experienced investors qualify. The company reports $7.5B+ in cumulative loans funded across 9,750+ projects, a 4.8/5 Google rating, and 100+ reviews, and maintains an active event presence at Build Expo conferences across multiple U.S. metros.

Revenue is generated through net interest spread on the loan portfolio plus origination points and ancillary fees at closing, with pricing positioned as competitive and free of hidden fees. The go-to-market emphasizes speed (pre-approval within 24 hours, closings within days), flexible structures for residential investors, and a relationship-driven broker/partner channel. Recent strategic activity — including a March 2025 acquisition of Author Solutions, expansion of the lending footprint to all 50 states, the launch of a 30-year DSCR product, and the introduction of a Capital Investors channel via centerstreetcompanies.com — signals ongoing platform and revenue-model broadening.

Name

Center Street Lending

Legal name

Center Street Lending Corporation

Website

https://centerstreetlending.com

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

51–100 employees

Short description

Center Street Lending is a private, Irvine-based hard money lender founded in 2010 that originates nationwide residential investment loans — including fix-and-flip, new construction, bridge, short-term rental, and DSCR products — for SMB real estate investors, builders, and brokers using its own capital and in-house servicing.

Ownership category

akta.pro rank

Product category

Private Real Estate Lending

NAICS

Real Estate Credit (522292), Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Real Estate Private Credit (CRE Debt) (FSANADAG)

akta.pro secondary industries

Hard Money & Private Mortgage Lending Intermediation (FSAEAEAH), Balance-Sheet / Portfolio CRE Lending (FSALADAG), Private Credit / Direct Lending (FSAAAHAG)

Keywords

• Hard money lending
• Residential real estate loans
• Fix and flip financing
• Bridge loan services
• Construction loan financing

Headquarters

HQ city

Irvine

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Loan Interest & Origination Fees: Center Street Lending generates revenue through interest income on their loan portfolio (fix-and-flip, construction, bridge, and DSCR loans) along with origination fees charged at loan closing. Their competitive pricing model with no hidden fees supports their position in the hard money lending market.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

Center Street Lending is a private hard money lender that provides short-term and long-term financing to residential real estate investors. It funds fix-and-flip, ground-up construction, bridge, short-term rental, and DSCR rental property loans, using its own capital with in-house underwriting, servicing, and fund control across the United States.

Product overview

Center Street Lending offers a unified hard money lending platform for residential real estate investors with five core loan products: Fix and Flip Loans (short-term rehab financing for flipping properties), New Construction Loans (ground-up construction financing), Bridge Loans (transitional interim financing), Short Term Rental Loans (for Airbnb/VRBO properties), and DCSR Rental Loans (long-term DSCR-based rental property financing). All products feature in-house underwriting and servicing, competitive pricing with no hidden fees, and rapid approval processes designed for quick closings.

Differentiator

Problem solved

Functional benefit

Products and services

• Fix and Flip Loans Short-term rehab loan product for residential real estate investors who purchase, renovate, and resell properties. Offers 6-24 month terms, $150k minimum loan amount, up to 95% LTC, and a 650 minimum FICO requirement.
• New Construction Loans Ground-up construction financing individually structured for residential projects of varying size. Offers up to 85% LTC and requires a 680 minimum FICO.
• Bridge Loans Transitional interim loan that bridges investment steps. Offers 12-month terms, up to 75% LTV on purchase, and up to 93% LTC.
• Short Term Rental Loans Loan product for properties designed for short-term rental income, including Airbnb and VRBO properties. Offers up to 60% cash out.
• DSCR Rental Loans Debt Service Coverage Ratio-based rental property loan for investors seeking long-term financing for income-producing rental properties. Offers 30-year terms, $100k minimum, up to 80% LTC/LTV, and a 640 minimum FICO.

Quantifiable outcome

• $7.5B+ in loans funded across 9,750+ projects
• +2 more outcomes

Named customers8 records

Segments8 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators8 records

Recent moves5 records

Expansion highlights5 records

Emerging players

• EasyKnock: EasyKnock provides residential homeowners with sale-leaseback and equity access solutions. While not a direct hard money lender, it operates in the residential real estate capital solutions space and overlaps with CSL's broader residential investor client base.
• Groundfloor Finance: Groundfloor is a fintech-enabled real estate investment and lending platform that funds residential fix-and-flip and small-balance investment projects. It competes with CSL in the same borrower segment but uses a marketplace funding model rather than balance-sheet lending.

Direct peers

• Lima One Capital: Lima One Capital is a balance-sheet residential investment lender specializing in fix-and-flip, new construction, and rental (DSCR) loans. It shares CSL's product set, customer base (residential investors), and direct lending model with in-house servicing.
• RCN Capital: RCN Capital is a nationwide private lender offering fix-and-flip, new construction, and rental portfolio loans to real estate investors. Its product set and broker-friendly origination model closely mirror CSL's approach.
• Kiavi: Kiavi (formerly LendingHome) is one of the largest online hard money lenders focused on fix-and-flip and rental property financing for residential investors. It directly competes with CSL on speed, leverage, and product breadth, and is the closest public-comparable scale competitor.
• Anchor Loans: Anchor Loans is one of the largest fix-and-flip lenders in the U.S., providing short-term rehab and bridge financing for residential investors. It is a direct competitor to CSL on the fix-and-flip product line.
• Roc Capital: Roc Capital is a private hard money lender focused on fix-and-flip and bridge loans for residential investors. It competes head-to-head with CSL on rate, leverage (high LTC), and speed of closing.
• Arixa Capital: Arixa Capital is a private real estate lender focused on ground-up construction, bridge, and fix-and-flip loans for residential and small-balance commercial investors, primarily in California and the western U.S. It is a direct California-based peer of CSL's core construction and bridge product lines.

Broad incumbents

• NewRez: NewRez is a large national mortgage lender offering a broad product set including non-QM and investor loans. While not exclusively focused on hard money, it competes with CSL on the DSCR/rental investor loan side and serves the same borrower demographic.
• Angel Oak Mortgage Solutions: Angel Oak Mortgage Solutions is a non-QM and investor-focused mortgage lender offering DSCR, bank statement, and other flexible loan programs. It overlaps with CSL's DSCR rental loan product and broader investor financing category.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/centerstreetlendingcorp
• LinkedInlinkedin.com/company/center-street-lending
• Instagraminstagram.com/centerstreetlending

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Center Street Lending