Programs
Centaurian lending programs
Five real estate programs across acquisition, rehab, equity, and commercial. Every one is business-purpose only.
The 5-Day Close
HELOC Express
HELOC Express is a business-purpose second-lien program that turns home equity into working capital for your business or your next deal — closing in as fast as five days, in 35 states.
- Business-purpose second lien — your first mortgage stays untouched
- Soft-pull prequalification
- Close in as fast as 5 days
Asset-based speed
Hard Money Direct
Asset-based financing for business-use properties, closing in as fast as 5–10 days. Up to 50% LTV — and up to 100% CLTV upon approval.
- Business-use properties only
- Close in as fast as 5–10 days
- Up to 50% LTV; up to 100% CLTV upon approval
Dirt to done
New Construction Financing
Financing for builders and investors taking projects from dirt to done, structured around your build schedule and your exit.
- Ground-up construction for investors and builders
- Draw schedule aligned to build milestones
- Structured around the exit, not just the closing
Acquisition plus rehab
Fix & Flip Financing
Acquisition and rehab capital in one facility, built around your timeline and your exit.
- Acquisition and rehab in one facility
- Rehab funded through a draw schedule
- Sized to the exit, not the maximum offer
Purchase, refinance, cash-out
Commercial Real Estate Financing
Purchase, refinance, and cash-out programs for commercial real estate.
- Purchase, refinance, and cash-out structures
- Property types include multifamily, retail, office, industrial, and mixed-use
- Underwritten to property performance