Private Real Estate Loans for Connecticut Investors
Sachem Lending is one of the private lenders in CT that real estate investors call when a bank is too slow or too rigid. We provide short-term, asset-based hard money loans to investors and developers across Connecticut. We fund purchases, renovations and new construction on residential and commercial property, with loans from $500,000 to $25 million and terms that typically run 12 to 36 months.
Our in-house team reviews each deal from our office in Branford. Funding estimates usually take a day or two, and most loans close in 30 to 45 days. Start with the options below, or apply online.
Connecticut Loan Programs
Fix and flip, new construction, bridge, entitled land and distressed acquisition loans for Connecticut investment property. Loan amounts run from $500,000 to $25 million, secured by the property rather than your personal income.
Application Process
Send us the property address, the loan amount and your plan. Our in-house team in Branford reviews the request and, if the project qualifies, sends a term sheet. Funding estimates usually take a day or two.
Who We Lend To
Investors, builders and brokers working in Connecticut, whether you are on your first flip or running several projects at once. We look at the property, the plan and your experience, not only your credit score.
Apply Now
Have a Connecticut deal in front of you? Apply online in a few minutes, or call our Branford office at 203.433.4736 to talk it through with our lending team before you submit.
A CONNECTICUT LENDER SINCE 2010
Sachem Capital was founded in Branford in 2010 by John Villano, who saw a need for business and investment loans. Today Sachem is a publicly traded real estate finance company, and Connecticut is still the market we know best. In 2022 we acquired Urbane New Haven, LLC, a real estate development and construction firm, which adds hands-on construction experience to the way we review your project. A significant share of our business comes from repeat borrowers. Learn more about Sachem as a Connecticut hard money lender.
Private Lenders in CT Who Know the Local Market
Connecticut is home for us. Sachem was founded in Branford in 2010, and we have been a private lender to real estate investors across the state ever since. We know how deals come together here, from multifamily buildings in Hartford and New Haven to renovations in Fairfield County and new homes along the shoreline.
Much of Connecticut’s housing was built decades ago, so renovation and repositioning projects are common. Zoning and permitting are handled town by town, and timelines differ from one municipality to the next. A lender who works here every day can help you plan around that.
Loan basics
Loans range from $500,000 to $25 million, with terms that typically run 12 to 36 months. Most close in 30 to 45 days. We lend on single-family, multifamily, retail, medical office, industrial and other commercial property. For details, see our FAQs and application process, or start an application.
What we finance in Connecticut
Hard Money Loans Across Connecticut
We lend across Connecticut from our office in Branford. Here is how our loans fit the markets we work in most.
New Haven
New Haven is a short drive from our Branford office. Many investment properties here are older multifamily buildings, where a renovation can add value or bring a building up to current standards. Our fix and flip loans cover the purchase and the renovation, so you can act on a deal without waiting on a bank. See our guide to fix and flip loans in New Haven and Hartford.
Hartford
Hartford and nearby towns such as West Hartford, East Hartford and New Britain have a large stock of older two- and three-family homes and mixed-use buildings. When a property needs work or new tenants before it can qualify for long-term bank financing, a bridge or value-add loan can carry it through that stage.
Fairfield County
In Stamford, Norwalk, Bridgeport, Danbury and the surrounding towns, property values are higher and projects tend to be larger. With loans up to $25 million, we finance ground-up new construction and larger renovations as well as single-family flips.
The Shoreline and the Rest of the State
From Milford to Old Saybrook along the coast, and inland to Waterbury, Middletown and eastern Connecticut, we lend wherever the project makes sense. Because zoning and permitting are handled town by town, tell us early which town your property is in so we can plan the timeline with you.
Why Use a Private Lender in CT
A bank looks mostly at your income and credit history. As a private lender, Sachem focuses on the property, your plan and your experience, which helps when a project does not fit a bank’s checklist or when you need to move quickly.
Most of our loans close in 30 to 45 days, and sometimes faster when the paperwork is ready. In most cases there is no prepayment penalty, so you can pay the loan off when you sell or refinance.
Connecticut Lending Questions
How fast can you close a loan in Connecticut?
Most loans close in 30 to 45 days, depending on documentation and the condition of the property. When all requirements are in place, closing can happen faster.
What loan amounts do you offer?
Our loans range from $500,000 to $25 million, depending on the property and the project. Terms typically run 12 to 36 months.
Do I need perfect credit to qualify?
No. Our underwriting focuses on the property, your experience and the project itself rather than only on credit scores or income.
What types of Connecticut property do you lend on?
We lend on single-family homes, multifamily buildings, retail, medical office, industrial and other commercial property.
Are there prepayment penalties?
In most cases, no. You can repay your loan early without extra cost.
Where is your office?
Our office is at 568 East Main Street in Branford, Connecticut. You can reach the lending team at 203.433.4736 or lending@sachemcapitalcorp.com. For more answers, see our full FAQ page.
Bridge Loan Programs
At Sachem Capital, we create value for our clients and shareholders by offering customized loan programs designed for investors, developers, and brokers. Our solutions encompass a diverse portfolio of real estate assets, tailored to meet the unique needs of each project.
Fix and Flip
Whether you’re just starting out or scaling your portfolio, Sachem delivers the funding you need to purchase, renovate, and resell with confidence and speed. We make financing simple, so you can focus on growing your profits and expanding your business.
New Construction
From simple homes to large developments, our flexible construction loans deliver the capital and support you need, fast and hassle-free. Sachem provides responsive service and reliable funding that keeps your project moving forward right on schedule.
Bridge - Value Add
We provide short-term bridge financing to help you acquire, renovate, and reposition investment properties quickly. Our team moves with speed and precision so you can unlock hidden potential and boost cash flow without delays.
Entitled Land Development
We deliver tailored financing to help you move from paper to project-site prep, infrastructure, and vertical construction. With Sachem’s capital and expertise, your development drives forward on time, on budget, and built to perform.
Distressed Acquisition
Distressed Asset with Upside? Move Fast and Win. Our acquisition loans deliver rapid capital, so you can confidently seize time-sensitive deals. With Sachem’s certainty and decisive execution, you act fast and unlock value.