Private Real Estate Loans for Massachusetts Investors
Sachem Lending provides short-term, asset-based loans to real estate investors and developers across Massachusetts. 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.
We lend in Massachusetts from our office in Branford, Connecticut, where our in-house team reviews each deal. 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.
Massachusetts Loan Programs
Fix and flip, new construction, bridge, entitled land and distressed acquisition loans for investment property across Massachusetts. 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 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 across Massachusetts, 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
Ready to talk about a deal across Massachusetts? Apply online in a few minutes, or call our lending team at 203.433.4736 to talk it through before you submit.
A LENDER YOU CAN RELY ON
Sachem Capital was founded in Branford, Connecticut in 2010 by John Villano, who saw a need for business and investment loans. Today Sachem is a publicly traded real estate finance company that originates, services and manages its own portfolio of first mortgage loans. We lend in Massachusetts from our Connecticut office, and 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.
Private Real Estate Lending in Massachusetts
Massachusetts rewards investors who are prepared. Greater Boston is expensive and competitive, and cities such as Worcester, Springfield and Lowell each have their own pace and price points. Across the state, older and historic buildings make up a large share of what comes up for sale, and renovating them takes a realistic budget and schedule.
Sachem Lending is based next door in Connecticut and lends throughout New England. We look first at the property, the project and your experience, which makes us a practical option for deals that don’t fit a bank’s checklist.
Loan basics
We make loans from $500,000 to $25 million, typically for 12 to 36 months, on residential and commercial property. Most loans close in 30 to 45 days. Our guide to hard money lending in Massachusetts goes into more depth, and you can apply online when you have a project ready.
What we finance in Massachusetts
Hard Money Loans Across Massachusetts
We lend throughout Massachusetts from our office in Branford, Connecticut. Here is how our loans fit the markets we see most.
Greater Boston
Boston and its suburbs are expensive and competitive, so speed and certainty matter when you make an offer. Our bridge and value-add loans help investors acquire and reposition multifamily and mixed-use buildings before moving to long-term financing.
Worcester
Worcester has its own pace and price points, with plenty of older housing that benefits from renovation. Fix and flip loans cover the purchase and the work, so the project can start as soon as you close. See our guide to fix and flip loans in Worcester, Springfield and Lowell.
Springfield and Western Massachusetts
In Springfield and the surrounding towns, investors often take on older two- and three-family homes and small commercial buildings. We look at the property, the scope of work and your experience when we review the deal.
Lowell and the Merrimack Valley
Lowell and its neighbors include older mill-era and multifamily buildings that suit renovation and conversion. For larger projects, our construction loans go up to $25 million. See our guide to hard money lending in Massachusetts for more.
Why Use a Private Lender in Massachusetts
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.
Massachusetts Lending Questions
How fast can you close a loan in Massachusetts?
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 Massachusetts property do you lend on?
We lend on single-family homes, multifamily buildings, retail, medical office, industrial and other commercial property.
Can you lend in Massachusetts from Connecticut?
Yes. Massachusetts is part of our lending area, and our in-house team in Branford, Connecticut reviews, closes and services each loan. You can reach the lending team at 203.433.4736 or lending@sachemcapitalcorp.com.
Are there prepayment penalties?
In most cases, no. You can repay your loan early without extra cost. 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.