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Connecticut Hard Money Lender

Our Loan Programs
Fix & Flip
Ground-up
Bridge Loans
Rental/DSCR
Fix & Flip
Fix & Flip

Short-term financing for purchasing and fixing up investment properties

  • Check Rates start at 9.99%
  • Check No-Points Loans
  • Check Close 7-15 days
Apply Now More Info
Ground-up Construction
Ground-up

Build your next investment property from the ground-up

  • Check Rates start at 10.5%
  • Check No-Points Loans
  • Check Close 7-15 days
Apply Now More Info
Bridge Loans
Bridge Loans

Bridge financing to purchase, refinance, or reposition investment properties

  • Check Rates start at 9.99%
  • Check No-Points Loans
  • Check Close 7-15 days
Apply Now More Info
Rental/DSCR loans
Rental/DSCR

Build a portfolio of rental properties to maximize your passive income

  • Check Rates start at 6%
  • Check No-Points Loans
  • Check DSCR from 0.75x
Apply Now More Info

Why Connecticut Investors Choose Accolend

Loan process steps

Fast, Reliable, and Local Financing in Connecticut

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We know the Connecticut market because we actively lend in it. CT deals move faster and on tighter margins than most markets. Same-day term sheets, in-house underwriting, and no-points loan programs.

Connecticut moves fast. Statewide, homes go pending in around 10 days. Inventory sits at just 2 months of supply. Homes sell at 104% of the asking price on average. Fairfield County is even more competitive, with home values up 4.6% year over year. Hartford and New Haven offer strong opportunities for flippers and builders who know where to look. Whether you’re buying a two-family in West Hartford, rehabbing a property in New Haven, or breaking ground on a new build in Greenwich, we structure loans around how CT deals actually work.

We close in 7-15 business days, underwrite in-house, and know local appraisal ranges and timelines across Fairfield, Hartford, and New Haven counties. Our loans are built for investors, not owner-occupants. Speed matters, but so does getting the deal structured right the first time.

Accolend’s Direct Lending Process

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Accolend is a direct lender. Every underwriting decision is made in-house, which means faster approvals and a clearer path to closing. We evaluate your deal on its actual merit, not a rigid checklist. Connecticut projects vary by market, property type, and exit strategy, and we account for all of it.

From your first conversation to funding, you work directly with the people making the decisions. No third-party delays. No surprise fees. No back-and-forth that costs you time on a live deal. Just a straightforward process built around getting Connecticut investors to the closing table on time.

$850m Funded Across 1300+ Deals

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We have funded over $850 million across 1300+ deals nationwide, including projects throughout Connecticut. We know what realistic rehab budgets look like in Hartford. We know how Fairfield County appraisals behave. We know which permit timelines to build into a construction draw schedule. That knowledge keeps your deal moving when other lenders slow down or walk away.

Individualized Support for Every Step

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We do more than fund your deal. From application to closing, you work directly with a loan professional who knows the Connecticut market. Whether you are a first-time flipper in Hartford or an experienced developer in Fairfield County, we give you the support and guidance you need to move forward on every deal with confidence. Our borrowers get direct access to your loan team, a dedicated portal for document uploads and draw tracking, and guidance on rehab scopes, timelines, and exit planning.

The Ability to Fund Any Connecticut Deal

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We lend across 40 states, which means we have the capital and institutional backing to fund your Connecticut deal with certainty. That scale lets us move quickly and handle projects of any size, from a single-family flip in West Hartford to a ground-up construction in Fairfield County.

Connecticut has its own regulatory landscape. Municipal lien searches, older housing stock, town-by-town permit timelines, and conservative appraisals are all part of doing business here. We know how CT works because we lend here regularly.

Hard Money Loans in Connecticut

Connecticut’s real estate market moves on tight inventory and fast timelines. Homes go pending in around 10 days statewide, and in competitive markets like Fairfield County, well-priced properties attract multiple offers quickly. Capital speed is often the difference between closing a deal and losing it.

Hard money loans are asset-based loan. Approval is based on the value of the property and your exit strategy, not your personal income or tax returns. That makes them the right tool for flippers, builders, and rental investors who need to move fast and close clean.

Connecticut investors use hard money loans for fix and flips, bridge financing, ground-up construction, and rental acquisitions and refinances. With same-day term sheets and instant pre-approvals, Accolend keeps you ready to move the moment the right deal surfaces.

Ready to move on your next Connecticut deal? Apply now and get a same-day term sheet.

hard money loans Connecticut

Don’t Wait to Finance Your Deal in Connecticut

Close in as few as 7 days with a direct lender who knows the market.

Connecticut fix and flip loans

Fix and Flip loans in Connecticut

Fix and flip loans are built for investors who need to move fast. Accolend funds both the acquisition and the rehab, giving you the capital to purchase, renovate, and return the property to market without tying up your own cash.

Connecticut’s fix and flip market is active. Inventory sits at just 2 months of supply statewide, and demand for updated homes remains strong across Hartford, New Haven, and Fairfield County. Older housing stock means rehab budgets need to be realistic, and timelines need to be tight. Our loans are structured around CT’s pace and property realities.

Key terms include:

  • Leverage: Up to 85% of purchase price and up to 100% of rehab costs
  • Rates: Starting at 9.99% with no points
  • Timeline: Close in 7-15 business days

Bridge loans in Connecticut

Bridge loans provide short-term capital to keep your deal moving. They are built for investors who need to acquire a new property before selling an existing one, stabilize an asset before securing long-term financing, or act quickly on a time-sensitive opportunity.

Connecticut deals move fast, and timing gaps are common. Whether you are waiting on a sale to close, repositioning a property, or need to secure a deal before another buyer steps in, a bridge loan gives you the flexibility to act without waiting on permanent financing. With instant pre-approvals and same-day term sheets, Accolend keeps you in position to move before the window closes.

  • Leverage: Up to 75% of purchase price
  • Rates: Starting at 9.99% with no points
  • Terms: Up to 18 months

Construction loans in Connecticut

Connecticut has a housing shortage. That means demand for new construction is growing. Our construction loans cover both land and building costs for single-family, multifamily, and mixed-use projects. We work with builders in Hartford, Fairfield County, and everywhere in between.

Building in Connecticut takes local knowledge. Permit timelines vary by town. Appraisals can be conservative. Draw schedules need to match your actual build progress. We know how CT construction works, and we structure our loans around it.

  • Rates: Starting at 10.5% with no points
  • Leverage: Financing for land and construction
  • Terms: Up to 24 months
  • Timeline: Close in 7-15 Business days

DSCR loans in Connecticut

DSCR loans let you qualify based on the property’s cash flow, not your personal income. No W-2. No tax returns. Your portfolio’s growth is limited only by the strength of the deals you find.

Connecticut is a strong buy-and-hold market. Rental demand is steady across commuter towns like Stamford, New Haven, and Hartford, where demand consistently outpaces supply. Whether you are acquiring a new rental or refinancing an existing one, Accolend structures the loan around what the property earns.

Our DSCR rental loans include:

  • Leverage: Up to 80% LTV
  • DSCR Minimum: As low as 0.75x
  • Rates: Starting at 6% with no points
  • Benefit: Build long-term wealth through rental properties without income verification or tax returns

Recently Funded Loans in Connecticut

Ground-Up Refinance loan in Westport, CT, for SFR by Accolend.
Ground-Up | Refinance Westport, CT Property Type: Single Family Residence Loan amount: $2,100,000 Construction Budget: $1,500,000

Simple, Straightforward Requirements

Accolend’s approval process is built around the asset, not your financial profile. No W-2s, no tax returns, and no debt-to-income calculations standing between you and a decision. We close in days, not weeks, because our process is built for speed.

Eligibility is primarily asset-based. Here’s what you generally need:

  • Minimum FICO Score: 620 for most loan programs, 650 for ground-up construction
  • Investment Experience: No prior experience required for fix and flip or DSCR loans. Ground-up construction loans require at least one completed new construction project
  • Background Check: A clean background check with no recent felony convictions or major financial misconduct
  • Loan Amounts: We lend between $115,000 and $5,000,000, depending on the loan program and market
  • Property Requirements: Property must be a non-owner-occupied investment property located in an eligible Connecticut market. Rural properties are not eligible

We don’t require income verification or tax returns. Your deal’s potential is what matters most.

Connecticut hard money loans eligibility

Minimal Paperwork for a Streamlined Process

We keep paperwork minimal to ensure a fast and efficient process. While each deal is unique, the required documents typically include:

  • Personal Information Documents
    • Driver’s License
    • 2 Months Bank Statements
    • Proof of Experience, if applicable
    • Social Security Card
  • Property Information
    • Purchase Contract
    • Scope of Work
    • Property & Liability Insurance
    • Title Commitment
  • LLC Information
    • LLC Formation Documents
    • EIN Confirmation
    • Operating Agreement
    • LLC Resolution

No bank-style paperwork stacks. Our lending team shares a customized checklist tailored to your specific loan, so your deal moves smoothly from approval to closing.

Connecticut hard money loan requirements

Why Choose Accolend?

Competitive Rates Competitive Rates
We are a direct lender backed by institutional capital. With a low cost of capital, we pass the savings on to our clients, helping to protect their profit margins.
Fast Service Fast Service
All processing, underwriting, and closing are handled in-house by our team members. This enables us to fully control and expedite the process to meet our clients' timelines.
Certainty of Execution Certainty of Execution
As a Direct Lender and Asset Manager, we have complete control over the underwriting process and our strategic direction. Our funding sources are diversified and have proven reliable across various market cycles.
No Points No Points
We launched our signature no-points programs in 2016. Since then, they have saved our borrowers millions of dollars, and allowed our broker partners to better compete.
Your next investment starts here.
Secure funding for your next investment.
Loan process steps

How Connecticut Hard Money Loans Work

1
Apply for a Loan
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You provide us with the application, including property and deal information.
2
Receive our Terms
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We send you the proposed terms of our loan, outlined in a term sheet that includes all relevant expenses and documentation requirements.
3
Loan Underwriting
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Our underwriting team sets up your loan on our website portal to ensure a smooth documentation submission process. We coordinate with vendors such as appraisal and inspection companies, title, insurance, and legal counsel to facilitate seamless communication.
4
Loan Closing
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We work with you, your legal counsel, and the title company to schedule a closing date. On the closing date, we review all executed documents from your lawyer or the title company/closing agent and wire the funds.
5
Draw Management
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You reach out to our draw manager with your draw request. A property inspection will be scheduled to verify completed work, and upon satisfactory completion and review, we will fund the draw. Our closing agent will wire the funds per draw request.
6
Payoff
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Our servicing team will assist you with extension and/or payoff requests. Extension approval requires 30 days of advance notice and the completion of an extension application/closing agent and wiring of funds.

Where we lend

We proudly offer our lending services across 40 states and Washington DC
Where we lend
Coming Soon

TOP 10 STATES WHERE WE LEND

New Jersey
New York
Pennsylvania
Connecticut
Georgia
Massachusetts
Maryland
California
Florida
Washington

Where we lend

We proudly offer our lending services across 40 states and Washington DC
Where we lend map
Where we lend
Coming Soon

Frequently Asked Questions

Are you a direct lender?
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Yes. All underwriting, approvals, and funding are done in-house.
How fast can you close?
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Typically 7-15 business days, depending on deal readiness.
Do you offer No Points loans?
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Yes. Absolutely. Our no-points loan programs are a cornerstone of our offering and have saved our borrowers millions in upfront costs since 2016. This helps you preserve capital for your project.
Do you lend to LLCs?
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Yes, we only lend to LLCs
Do you work with brokers?
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Yes, we value our broker partnerships and offer competitive programs to help them serve their clients effectively. We offer clear communication and reliable execution to make you look good. All broker clients are protected.
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