Investor lane — free preapproval
Property lending is where this practice started.
You come with a deal and you know your numbers. So this lane has no fee, no strategy session, and no gate — just a direct application path and someone who can read a rent roll.
Why this lane is different
Investors don't need a diagnostic. They need a decision.
A business owner shopping working capital is usually solving a structural problem. An investor with a property under contract is solving a timing problem. Those deserve different processes, so we built two.
New construction
Ground-up financing for builders and investors, released against build milestones. The budget and the exit get underwritten together.
Fix & flip
Acquisition and rehab in one facility. Rehab funds come through draws as scope is completed, sized to the exit rather than the maximum offer.
Bridge
Short-term capital that carries a property from one state to another — acquisition to stabilization, or stabilization to permanent financing.
Non-owner-occupied HELOCs and business-purpose second liens
Equity you already own, converted into deal capital, without touching the first mortgage you'd never want to refinance at today's rates.
DSCR rental loans
Qualification on the property's cash flow instead of your tax returns. The debt service coverage ratio is the underwriting, which is why the rent roll matters more than the W-2 you don't have.
Cash-out strategies
Pulling equity out of a stabilized asset to fund the next one — where the numbers support it, and only where the next deal is real.
Programs
Five Centaurian lending programs
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
Free preapproval
Tell me about the deal
Four short steps. Built to be finished on a phone, standing in the property.
Disclosure
All financing is business-purpose only. Products, rates, and terms vary by lender, state, and borrower qualifications. Prequalification is not a commitment to lend. Soft inquiries do not affect credit scores; lender applications may involve hard inquiries.