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Certain Lending
Based in Seattle, WA · lends in 44 states
Not reviewed yet · Listing not claimed
Advertised terms
Hand-checked against lender's website · 2026-10-27- Interest rate
- —
- Points
- —
- Loan size
- $75K–$3M
- Term
- 6-24 months; 30-year rental
- Max loan-to-cost (LTC)
- 97.5%
- Max of after-repair value (ARV)
- 70%
- Max loan-to-value (LTV)
- 80%
- Minimum credit score
- 660
- Speed to close
- As little as 5 days
- Draw process
- —
- Personal guarantee
- Personal guarantee customary (flip) / required (rental)
Terms as advertised on Certain Lending's website, last checked October 27, 2026. Not an offer; actual terms depend on your deal. Confirm directly with the lender.
“—” means the lender's website didn't say, not that the lender doesn't offer it. Source: www.certainlending.com.
Where Certain Lending lends
44 states. Source: certainlending.com.
Borrower reviews
No reviews yet
Only borrowers who connected with Certain Lending through HardMoneyRate can leave a review, so every review comes from a real deal. We don't import, buy or write reviews.
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Frequently asked questions
What loans does Certain Lending offer?
According to their website: fix-and-flip loans, bridge loans, ground-up construction loans, dscr rental loans. Confirm current programs with the lender.
What are Certain Lending's rates?
Certain Lending doesn't publish rates on its website. Request a term sheet to see real pricing.
Is Certain Lending the right lender for my deal?
It depends on your deal, leverage needs and timeline. The fastest way to know is to compare term sheets from several lenders for the same deal.
Can Certain Lending update or remove this listing?
Yes. Lenders can request corrections, claim the listing to verify their terms, or ask to be removed.
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How this directory works
HardMoneyRate does not rank lenders by who pays us. Lists are A–Z by default and you choose the sort. No lender can buy a higher position, a “featured” badge, or a better rating. Terms are what each lender advertises on its own website, checked regularly. They aren't offers and haven't been confirmed with the lender. Reviews can only come from borrowers who actually connected with that lender through HardMoneyRate. Lenders can request corrections or removal at any time.