DSCR, Hard Money & Bridge Loans for Real Estate Investors
AI-Accelerated Underwriting. Term Sheet in Minutes. Close in 5 Days.
Direct lender for non-owner-occupied investment properties nationwide. No tax returns. No W2s. No income verification. Whether you are buying a rental, flipping a house, or refinancing a portfolio, our AI-powered underwriting platform delivers a real term sheet — not a maybe — in minutes, so you can close before your competition gets a callback.
Funded for Real Estate Investors
Active Broker Partners
Average Close Time
Licensed in CA & FL
AI-Powered
Banks Want Your Tax Returns. We Want to Fund Your Deal.
Traditional banks were not built for real estate investors. They want two years of tax returns, W-2s, paystubs, debt-to-income ratios, and 45 days of underwriting — only to decline the deal that mattered most because the property is non-owner-occupied or held in an LLC.
New Century Lending was built differently. We are a direct private lender focused exclusively on business-purpose loans for real estate investors. Our AI-powered underwriting platform evaluates the deal on what actually matters — the property’s value, the projected cash flow, and the investor’s track record — and returns a real, fundable term sheet the same day you apply.
- Decision in minutes, not weeks.
- Close in five days.
- No income verification.
- 100% In-House
Loan Programs
DSCR Loans
Qualify on the property’s cash flow, not your tax returns. No personal income documentation. Up to 80% LTV. 30-year fixed, ARM, and interest-only options. Vesting in LLC, LP, or personal name accepted. Rates from 6.25%.
Bridge Loans (Fix & Flip)
Fast, short-term financing for fix-and-flip projects. Close in 5 days. Up to 100% of rehab costs financed. 4-day draw processing.
Portfolio Loans
Consolidate five or more rental properties into a single loan. One payment, one closing, one set of conditions. Lower rates and origination fees than financing each property separately.
Hard Money / Asset-Based Loans
Loan decisions made on the property, not the credit report. Pure asset-based underwriting with rapid close. For time-sensitive acquisitions and complex situations. Rates from 8.5%.
Commercial Real Estate
Multifamily 5+, mixed-use, office, retail, and industrial. Acquisition, refinance, and value-add financing. Bridge-to-perm structures available. Loan amounts from $250,000 to $25,000,000+.
All Our Loans Are Business-Purpose Non-QM Loans
Every loan we originate is a business-purpose Non-QM loan on non-owner-occupied investment property. That means none of our products require the tax returns, W-2s, paystubs, or debt-to-income analysis that conventional and QM mortgages require.
If you have searched for a “Non-QM lender” or wondered whether DSCR, bridge, hard money, or portfolio loans qualify as Non-QM, the answer is yes. They are the most common types of business-purpose Non-QM loans, and they are exactly what we do.
We do not originate consumer Non-QM loans. Our Non-QM programs are exclusively for real estate investors, LLC borrowers, and business-purpose financing on investment property.
Five Minutes to Pre-Approval. Five Days to Close.
Our process is engineered to move at the speed real estate investors need to operate.
Quick Qual — Instant Non-QM & Commercial Loan Qualification
Accurate rates and qualification in seconds, not hours. Generate real-time pricing for DSCR loans, bank statement loans, commercial real estate loans, and investor mortgage programs on the spot. Brokers who qualify borrowers fastest win the callback — and the deal.
Analyze — AI-Powered Loan Eligibility in Minutes
Keep deals moving with instant answers. Our AI-driven underwriting analysis matches borrowers to the right Non-QM or CRE loan program fast — from small balance commercial to bridge loans — so brokers get eligibility decisions without the back-and-forth that stalls pipelines.
Connect — Seamless TPO Portal Integration
Your pricing, analysis, and TPO Connect workflow in one connected system. Native integration with your existing loan origination stack eliminates manual re-entry, data gaps, and the errors that delay wholesale mortgage and commercial loan submissions.
Estimate — Fast, Accurate Loan Disclosures
Build borrower trust from day one. Quick, compliant loan estimates and upfront disclosures keep residential and commercial borrowers informed and committed — reducing the late-stage surprises that kill closings.
Close — Close Non-QM & Commercial Loans with Confidence
A clear, itemized closing breakdown delivers full transparency for brokers, borrowers, investors, and settlement agents alike — the smooth closing experience that turns first-time clients into repeat business.
Fast Approval
Ready to Close Your Next Deal?
Get a real term sheet in five minutes. No income verification. No tax returns. Direct lender — funded by us, underwritten by us, closed by us.
Broker & Partner Program
Wholesale & White-Label Lending Built for Brokers
Mortgage brokers, MCA brokers, and real estate professionals: stop sending your investor clients to lenders that take their relationship and never call them back. The New Century Lending broker program lets you offer DSCR, bridge, hard money, and commercial loans under your brand, with our capital, our underwriting, and our technology behind the curtain.
100% Free White Label Platform
Full-featured loan origination system with your branding. No setup fees, no monthly costs. Your logo, your client relationships.
Earn Ongoing Revenue
Competitive commissions on every funded loan plus ongoing servicing income. Volume bonuses for top producers.
Instant Online Approval
Give your clients instant conditional approvals and proof of funds letters 24/7 through your branded portal.
Reliable Capital Access
$500M+ in lending capacity. Direct lender with in-house underwriting and funding. We never say no to good deals.
Own the Client Relationship
You remain the primary contact. We provide back-office support, underwriting, and funding—invisible to your clients.
Real-Time Dashboard
Track your pipeline, commissions, and client loans in real-time. Automated reporting and commission tracking.
$1.2B+
Partner Loan Volume in 2024
500+
Active Broker Partners
Direct
lender capital, never table-funded
5 Day
Average Close
What’s Included in Your White-Label Platform:
Custom Branding
Your logo, colors, and domain
Loan Origination System
Full LOS with automated workflows
Document Management
Secure upload, e-signatures, storage
Instant Rate Quotes
Real-time pricing engine
POF Letter Generator
Instant proof of funds 24/7
Pipeline Management
Track all deals in one place
Commission Tracking
Automated payment tracking
Training & Support
Onboarding, webinars, dedicated rep
Ready to Scale Your Business?
Join 500+ partners who trust us to fund their clients’ deals
News
From The Blog
Clear to Close with Jennifer Cabrera
Founder Jennifer Cabrera publishes weekly on the realities of private lending — what term sheets actually mean, why mortgage rates can rise when the Fed cuts, and how seasoned investors structure deals to maximize leverage. No fluff, no clickbait.
Why Our Term Sheets Actually Mean Something: The Technology Behind New Century’s Upfront Underwriting
By Jennifer Cabrera | Founder, New Century Lending LLC | Clear to Close with Jennifer Cabrera The dirty secret of private lending? Most hard money term sheets aren’t worth the paper they’re printed on. You’ve seen it before. A borrower gets excited about a term sheet,…
Why Mortgage Rates Go Up When the Fed Cuts Rates
What Every Borrower and Broker Needs to Know About How Rates Really Work By Jennifer Cabrera | CEO, Atlantic Union | Founder, New Century Lending LLC The Fed just cut rates. So why did your mortgage rate go UP? If you’ve been waiting for the Federal Reserve to lower…
Understanding Mortgage Lending Channels
Understanding Mortgage Lending Channels Direct Lending, Correspondent Lending, Table Funding, and White Label Solutions By Jennifer Cabrera | CEO, Atlantic Union | Founder, New Century Lending LLC When you’re shopping for a mortgage or considering becoming a mortgage…
First-Time Commercial Buyer? Here’s What to Expect
First-Time Commercial Buyer? Here’s What to Expect Buying your first commercial property is exciting—and a little intimidating. The process works differently than residential real estate, and knowing what to expect will help you navigate it with confidence. Longer…
Ready to Close Your Next Deal?
Get a real term sheet in five minutes. No income verification. No tax returns.
Direct lender — funded by us, underwritten by us, closed by us.