Fixing a $2 trillion market

Certain empowers real estate investors to create modern affordable housing by delivering the financial products they need. We are a software platform with a direct lending brand, and we are transforming mortgage finance for this underserved market by opening our technology to banks and lenders.

We learned about real estate investors during the U.S. housing crisis. They go through the same process as consumers to get a mortgage and pay a huge premium for debt that will close on time. Real estate investors are not supported by stable capital markets, even though these mortgages are one of the safest and highest yielding assets available.

We started Certain Lending to standardize mortgage lending and correct market inefficiencies through software. We created a direct lending company to research, develop and perfect the borrower experience, loan origination, and capital markets features that a successful platform must address. We describe ourselves as the first user of our software, and we are excited to open our platform to other lenders and banks to make a new and better market for real estate investor mortgage finance.

Charles McKinney and Shreyas Vijaykumar


Our Leaders

Come join us

We strive to be a place where everyone enjoys the process of building a great company. Our benefits are designed to support the needs of our growing team and we’re always looking for opportunities improve the well-being of our community.


Meaningful equity, salary and 401(k)


Comprehensive medical coverage


Paid parental and family leave


Support for education and training


Flexible hours and unlimited vacation


Fitness and wellness reimbursements


Remote work friendly


Support for charities and volunteering

Our investors

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