About
Smarter Capital for Real Estate Investors & Commercial Borrowers
Decades of commercial mortgage banking experience meets proprietary AI-accelerated underwriting. Headquartered in Miami, Florida and lending nationwide, we move fast — instant rate quotes and among the fastest closings in the industry.
$1.2B+
Funded for Investors
500+
Broker Partners
5-Day
Fast-Track Close
Nationwide
NMLS #1740818
Built on automation. Backed by people.
Our platform handles the data — pulling comps, running checks, and pricing the deal in seconds. Our underwriters handle the judgment calls that actually decide whether a deal funds. Speed from the technology, decisions from people who know what a good deal looks like.
Who We Are
New Century Lending LLC is a nationwide direct private lender focused exclusively on financing non-owner-occupied investment properties. We serve real estate investors, mortgage brokers, fix-and-flip operators, and commercial sponsors who need capital that moves at the speed of opportunity.
We are not a bank, and we don't pretend to be. We're a technology-driven specialty lender built for the people banks turn away — the self-employed entrepreneur, the rental-portfolio investor, the fix-and-flip operator, the commercial real estate sponsor, and the broker who needs a partner that closes on time, every time. Every loan we originate is a business-purpose Non-QM loan: no tax returns, no W-2s, no debt-to-income analysis.
Our Story
New Century Lending was founded by Jennifer Cabrera, a Houston native and Miami-based lender with decades of experience in commercial mortgage origination and wholesale lending. She built the company on a single thesis: traditional banks were never designed for real estate investors, and the technology finally exists to fix that.
Built on that thesis, New Century Lending is where commercial real estate lending and AI actually collide. Our AI-accelerated underwriting platform pulls property data, comparable sales, and rent comps, then runs each deal through 20+ underwriting checks in seconds to return instant, transparent pricing — the same day you apply.
Forget the paperwork. No income verification on DSCR. No surprises at the closing table. Just capital that moves at the speed of opportunity.
What Makes Us Different
01
AI-Accelerated, Human-Decided
Our platform runs 20+ underwriting checks in seconds. Final judgment stays with our in-house underwriters.
02
We Specialize
DSCR, bridge, hard money, fix & flip, portfolio rental, and commercial real estate. That's it.
03
We Close on Time
Most bridge and DSCR loans wire in five business days. Title, appraisal, and closing run in parallel.
04
Broker-Friendly by Design
Free white-label platform, instant pricing, and a dedicated rep. You own the client relationship.
05
Direct Lender Capital
Funded by us, underwritten by us, closed by us. Never table-funded. DSCR from 6.25%, hard money from 8.5%.
06
No Tax Returns, Ever
Every loan is business-purpose Non-QM. Qualify on the property's cash flow or value — never your personal income.
Our Loan Programs
— DSCR
DSCR Loans
Qualify on property cash flow, not personal income. No tax returns. Up to 80% LTV.
— BRIDGE
Bridge Loans / Fix & Flip
Short-term financing for value-add projects. Up to 100% of rehab financed. 4-day draw processing.
— HARD MONEY
Hard Money / Asset-Based Loans
Decisions made on the property, not the credit report. Pure asset-based underwriting.
— PORTFOLIO
Portfolio Rental Loans
Consolidate five or more rentals into a single loan. One payment, one closing, lower costs.
— COMMERCIAL
Commercial Real Estate Loans
Multifamily 5+, mixed-use, office, retail, industrial. Loan amounts from $250K to $25M+.
— FORECLOSURE BAILOUT
Foreclosure Bailout Loans
Short-term, asset-based financing to pay off a defaulted mortgage and stop foreclosure on an investment property.
Leadership
Jennifer Cabrera
Chief Executive Officer & Founder
Jennifer brings decades of commercial mortgage and wholesale lending experience to New Century Lending. A Houston native who now calls Miami home, she founded the company to give real estate investors a direct lender built around their deals rather than the documentation requirements of conventional banks.
Beyond the closing table, Jennifer publishes weekly through Clear to Close with Jennifer Cabrera, writing candidly about the realities of private lending — what loan structures actually mean, how rates really move, and how seasoned investors structure deals to maximize leverage.
Read Her Full Story →How Our Underwriting Works
Upfront underwriting, not a sales pitch. When you apply, our platform pulls property data, comparable sales, rent comps, and market trends, then runs the deal through more than twenty underwriting checks in seconds. You receive instant, transparent pricing — rate, points, LTV, and conditions — backed by real underwriting. That's how we say yes on files where other lenders default to no.
5 Min
From application to instant pricing
5 Days
Average close on most bridge & DSCR loans
100% In-House
Underwritten and funded by us, never table-funded
Where We Lend
New Century Lending lends all across the United States. We are licensed in California and Florida and operate as a business-purpose private money lender in additional states where licensing is not required for non-owner-occupied investment property financing.
Corporate Office
175 SW 7th Street, Suite 1216
Miami, FL 33130
Phone: 855-8GOLEND (855-846-5363)
Email: info@newcenturylending.com
Frequently Asked Questions
The questions every new broker partner asks on the first AE call. If yours isn't here, call us directly.
Do your loans require tax returns or W-2s?
No. Every loan we originate is a business-purpose Non-QM loan on non-owner-occupied investment property. None of our DSCR, bridge, hard money, portfolio, or commercial programs require tax returns, W-2s, paystubs, or debt-to-income analysis. DSCR loans qualify on the property's cash flow rather than your personal income.
How fast can New Century Lending close a loan?
Most bridge and DSCR loans wire in five business days, subject to underwriting and final approval. Title, appraisal, and closing run in parallel and are managed by our in-house team. You can receive an instant rate quote within minutes of applying.
What types of loans do you offer?
We offer DSCR loans, bridge and fix-and-flip loans, hard money and asset-based loans, portfolio rental loans, and commercial real estate loans on non-owner-occupied investment properties nationwide. Commercial loan amounts range from $250,000 to $25,000,000 and up.
Are you a direct lender or a broker?
Both. For our core programs, New Century Lending is a direct private lender — we underwrite and fund with our own capital. We also operate as a mortgage broker, placing loans with a network of wholesale lenders when a borrower's deal is a better fit elsewhere. That dual capacity lets us say yes to more scenarios instead of forcing every file into one box.
What states does New Century Lending lend in?
We are a nationwide private lender, licensed in California and Florida (NMLS #1740818), and operating as a business-purpose private money lender in additional states where licensing is not required for non-owner-occupied investment property financing.
Ready to Close Your Next Deal?
Get an instant rate quote in minutes. No income verification. No tax returns. Direct lender —
funded by us, underwritten by us, closed by us.