Private Real Estate Loans for Pennsylvania Investors
Sachem Lending provides short-term, asset-based loans to real estate investors and developers across Pennsylvania. 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 Pennsylvania 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.
Pennsylvania Loan Programs
Fix and flip, new construction, bridge, entitled land and distressed acquisition loans for investment property across Pennsylvania. 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 Pennsylvania, 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 Pennsylvania? 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 Pennsylvania 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 Pennsylvania
Pennsylvania covers a wide range of markets. Philadelphia and its suburbs are known for rowhome renovations and multifamily conversions. Pittsburgh has its own established investor community, and the Lehigh Valley, Harrisburg and Lancaster areas have drawn steady attention from builders and developers.
Rules, permit timelines and property taxes vary widely between municipalities, so a project that works in one county may need a different budget in the next. We review each deal on its own terms.
Loan basics
Sachem Lending offers loans from $500,000 to $25 million with typical terms of 12 to 36 months. Underwriting centers on the property, the project and your track record, not only on credit scores or income. Most loans close in 30 to 45 days. Apply online or read our FAQs first.
What we finance in Pennsylvania
Hard Money Loans Across Pennsylvania
Pennsylvania covers a wide range of markets, and rules and timelines vary by municipality. Here is how our loans fit the areas we see most.
Philadelphia and Its Suburbs
Philadelphia is known for rowhome renovations and multifamily conversions. Our fix and flip loans cover the purchase and the renovation, and bridge loans suit conversions that need time to stabilize. See our guide to fix and flip loans in Philadelphia.
Pittsburgh
Pittsburgh has its own established investor community and a large stock of older homes. We review each deal on its own terms, looking at the property, the scope of work and your experience.
The Lehigh Valley
Allentown, Bethlehem and Easton have drawn steady attention from builders and developers. With loans up to $25 million, we finance ground-up new construction and larger renovations.
Harrisburg and Lancaster
Central Pennsylvania offers both renovation and development opportunities. For land that already has approvals, our entitled land development loans fund site work, infrastructure and vertical construction.
Why Use a Private Lender in Pennsylvania
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.
Pennsylvania Lending Questions
How fast can you close a loan in Pennsylvania?
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 Pennsylvania 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 Pennsylvania from Connecticut?
Yes. Pennsylvania 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.