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201-643-6650

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Our Loan Programs

Fix & Flip

Ground-up

Bridge

Rental

Short-term financing for purchasing and fixing up investment properties

Rates start at 10.25%
No-Points Loans
Close 7-15 days

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Build your next investment property from the ground-up

Rates start at 10.25%
No-Points Loans
Close 7-15 days

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Bridge financing to purchase, refinance, or reposition investment properties

Rates start at 10.25%
No-Points Loans
Close 7-15 days

Apply Now More Info

Build a portfolio of rental properties to maximize your passive income

Rates start at 6.25%
No-Points Loans
DSCR from 0.75x

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We lend in Seattle every day. For an investor, a day without capital is a deal that gets away. So we built our model on three things: speed, certainty, and getting it done. We don’t stall on approvals or drown you in forms. Our goal is simple. Get you to the closing table in days, not weeks.

Seattle moves fast. Homes are scarce, and the good ones don’t sit long. When the right deal pops up, you need cash that’s ready. Wait too long, and someone else grabs it. Homes now spend a median of 50 days on the market, reflecting a 4.17% increase year-over-year. Maybe you’re flipping a bungalow in Ballard. Maybe you’re buying a triplex in Renton. Maybe you’re breaking ground in Kent. We know these markets, and we fund in them.

Accolend is a true direct lender. We make every call in-house. So you always know who you’re dealing with. That means clear answers and quick updates. It also means we do what we say. Each step happens under one roof. That’s why approvals move fast and good deals don’t slip away. We look at the true value of your project, not a strict checklist. We judge each file on its own.

What sets us apart:

Speed & Certainty: We close in 7-15 business days. We handle underwriting and funding in-house.
No-Points Loan Programs: Keep your cash at closing. Put it toward repairs, new buys, or a bigger portfolio across Seattle.
Investor-Focused Underwriting: We look at the asset, your plan, and the upside, with real investing know-how.

We’ve funded over $1B+ across more than 1450+ closed deals. That comes from years of active lending. In Seattle, we’ve backed flips in Fremont, rental buys in West Seattle, and new builds in Georgetown. Our record isn’t just a number. It shows the tough spots we’ve worked through for local investors.

We weigh your leverage, your repair costs, and how fast the market moves. That way, each loan fits your timeline and your exit. It’s why so many borrowers come back for the next deal. Steady work builds trust. And trust builds portfolios.

Funding is just one part of a good investment. So every borrower gets a dedicated team. We walk you through the rules, the draws, and the closing steps. We do it one stage at a time. From your first quote to funding and beyond, you stay in the loop.

Maybe you’re new to flipping in White Center. Maybe you’ve built for years in South Lake Union. Either way, our team knows Seattle real estate. You also get a loan portal to track your deal live. Upload your papers in one safe spot. You’ll always know where things stand.

We lend across 40+ states. That gives us deep reserves and strong backing. So we can fund with confidence, even when the market gets rocky. Our size means speed. It also means we can take on nearly any project. We’ll back a small flip in Delridge or a big mixed-use build in Capitol Hill.

We also know Seattle’s rules and market inside and out. Very little catches us off guard. Our footing stays firm through every cycle, not just the good ones. Our national reach is what powers our local focus.

Hard Money Loans in Seattle

Seattle is full of chances, but only if you can move. One investor might chase a dated craftsman in Wallingford. Another might want a small multifamily in the Central District. Both draw a crowd. Fast cash is often what decides who wins. The best investors turn tired homes into strong assets. And they act first. According to the Realtor Hotness Index, Seattle is currently a warm market where homes sell in a median of 44 days.

So what is hard money? It’s a short-term loan backed by real estate. We look at the property, not your credit or income. That makes it quick to approve and close, often in 7-15 business days. At Accolend, our in-house team keeps things moving. We send term sheets the same day. We give instant pre-approvals too. Ready to make the most of Seattle? Get started with a free consultation today.

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

Apply Now

Fix and Flip loans in Seattle

Our fix and flip loans are made for fast buyers. We fund the purchase and the rehab. That gives you the leverage to stretch your cash and grow your portfolio. Think dated homes in Greenwood or tired ones in Rainier Beach. Buyers still pay well for a finished product. And since we close fast, you spend less time waiting. You spend more time rehabbing while demand is hot.

Leverage: Up to 90% of purchase price and up to 100% of rehab costs
Rates: Starting at 10.25% with no points
Timeline: Close in 7-15 business days

Bridge loans in Seattle

Our bridge loans give you quick cash to close a gap. Investors use them in three ways. One, buy a new place before the old one sells. Two, steady an asset before you lock in long-term financing. Three, jump on a deal that won’t wait. With instant pre-approvals and same-day term sheets, you can act before the window shuts.

Leverage: Up to 75% of purchase price
Rates: Starting at 10.25% with no points
Timeline: Close in 7-15 business days

Construction loans in Seattle

Our construction loans are built for developers and builders. We fund the land and the build across Seattle’s growing areas, from Interbay to Northgate. New builds get complex fast. Think permits, draw schedules, and a budget to watch at every phase. We help you handle all of it.

Our draw process is set up to avoid delays. So your crews stay busy and the work keeps pace. It fits seasoned builders. Think single-family, multifamily, or mixed-use. And with 40+ states behind us, we bring real strength to every Seattle build.

Leverage: Up to 65% of land value and up to 100% of construction costs
Rates: Starting at 10.25% with no points
Timeline: Close in 7-15 business days

DSCR loans in Seattle

With our DSCR loans, you qualify on the property’s cash flow. There’s no personal income check. So your growth rides on the deal, not your W-2s or tax returns. Use them to buy or refinance. We shape the loan around what the property earns. Rentals stay full in spots like the University District, where students need housing all year. First Hill works too, since hospital staff keep units busy. In a buy-and-hold market, speed and certainty win.

Leverage: Up to 80% on purchases
DSCR Minimum: As low as 0.75x
Rates: Starting at 6.25% with no points

Fix and Flip purchase loan funded for a multifamily property in North Plainfield NJ with $415k loan and $43k construction budget

Fix and Flip | Purchase North Plainfield, NJ Property Type: Multifamily Loan amount: $415,000 Construction Budget: $43,000

Fix and Flip refinance loan funded for a condo in Brooklyn NY with $4M loan and $220k construction budget

Fix and Flip | Refinance Brooklyn, NY Property Type: Condo Loan amount: $4,000,000 Construction Budget: $220,000

Fix and Flip purchase loan funded for a single family home in Philadelphia PA with $115k loan and $45k construction budget

Fix and Flip | Purchase Philadelphia, PA Property Type: Single Family Residence Loan amount: $115,000 Construction Budget: $45,000

Ground-Up refinance loan funded for a single family home in Westport CT with $2.1M loan and $1.5M construction budget

Ground-Up | Refinance Westport, CT Property Type: Single Family Residence Loan amount: $2,100,000 Construction Budget: $1,500,000

Fix and Flip purchase loan funded for a mixed-use property in Trenton NJ with $530k loan and $315k construction budget

Fix and Flip | Purchase Trenton, NJ Property Type: Mixed-use Loan amount: $530,000 Construction Budget: $315,000

Bridge purchase loan funded for a single family home in Maplewood NJ with $412k loan for 2-unit property

Bridge Loan | Purchase Maplewood, NJ Property Type: Single Family Residence Loan amount: $412,000 Unit Count: 2

Fix and Flip purchase loan funded for a triplex in Jacksonville FL with $290k loan and $123k construction budget

Fix and Flip | Purchase Jacksonville, FL Property Type: Triplex Loan amount: $290,000 Construction Budget: $123,000

Fix and Flip purchase loan funded for a multifamily property in New Brunswick NJ with $920k loan and $310k construction budget

Fix and Flip | Purchase New Brunswick, NJ Property Type: Multifamily Loan amount: $920,000 Construction Budget: $310,000

Bridge purchase loan funded for a multifamily property in Orange NJ with $1.6M loan for 11-unit building

Bridge Loan | Purchase Orange, NJ Property Type: Multifamily Loan amount: $1,600,000 Unit Count: 11

Rental cashout loan funded for a mixed-use property in Pemberton NJ with $605k loan for 6-unit property

Rental | Cashout Pemberton, NJ Property Type: Mixed-use Loan amount: $605,000 Unit Count: 6

Ground-Up purchase loan funded for townhouses in Ridgefield NJ with $3M loan and $2.115M construction budget

Ground-Up | Purchase Ridgefield, NJ Property Type: Townhouses Loan amount: $3,000,000 Construction Budget: $2,115,000

Ground-Up cashout loan funded for a duplex in Irvington NJ with $465k loan and $407k construction budget

Ground-Up | Cashout Irvington, NJ Property Type: Duplex Loan amount: $465,000 Construction Budget: $407,000

Fix and Flip refinance loan funded for a multifamily property in Brooklyn NY with $2.675M loan and $2.25M construction budget

Fix and Flip | Refinance Brooklyn, NY Property Type: Multifamily Loan amount: $2,675,000 Construction Budget: $2,250,000

Ground-Up purchase loan funded for a condo in Jersey City NJ with $850k construction budget

Ground-Up | Purchase Jersey City, NJ Property Type: Condo Loan amount: $338,000 Construction Budget: $850,000

Rental cashout loan funded for a single family home in Jersey City NJ with $437k loan and DSCR 1.08

Rental | Cashout Jersey City, NJ Property Type: Single Family Residence Loan amount: $437,000 DSCR: 1.08

Accolend funded Ground-Up purchase loan for a single family home in Short Hills NJ with $2.37M loan and $1.4M construction budget

Ground-Up | Purchase Short Hills, NJ Property Type: Single Loan amount: $2,375,000 Construction Budget: $1,400,000

Fix and Flip purchase loan funded for a condo in Medford MA with $965k loan and $240k construction budget

Fix and Flip | Purchase Medford, MA Property Type: Condo Loan amount: $965,000 Construction Budget: $240,000

Ground-Up purchase loan funded for a single family home in Columbus OH with $250k loan and $250k construction budget

Ground-Up | Purchase Columbus, OH Property Type: Single Loan amount: $250,000 Construction Budget: $250,000

Accolend funded Fix and Flip cash-out loan for a single family home in Riverview FL with $245k loan and $85k construction budget

Fix and Flip | Cashout Riverview, FL Property Type: Single Loan amount: $245,000 Construction Budget: $85,000

Fix and Flip purchase loan funded for a single family home in Commack NY with $980k loan and $250k construction budget

Fix and Flip | Purchase Commack, NY Property Type: Single Loan amount: $980,000 Construction Budget: $250,000

Bridge loan funded for a 23-unit multifamily property in Newark NJ with $2M loan

Bridge Loan | Purchase Newark, NJ Property Type: Multifamily Loan amount: $2,000,000 Unit Count: 23

Fix and Flip purchase loan funded for a single family home in Northridge CA with $990k loan and $400k construction budget

Fix and Flip | Purchase Northridge, CA Property Type: Single Loan amount: $990,000 Construction Budget: $400,000

Accolend funded Fix and Flip cash-out loan for a mixed-use property in Newark NJ with $5M loan and $1.1M construction budget

Fix and Flip | Cashout Newark, NJ Property Type: Mixed-use Loan amount: $5,000,000 Construction Budget: $1,100,000

Bridge cash-out loan funded for a 36-unit mixed-use property in Jersey City NJ with $8.6M loan

Bridge Loan | Cashout Jersey City, NJ Property Type: Mixed-use Loan amount: $8,600,000 Unit Count: 36

Accolend funded Fix and Flip loan for single family home in New Windsor NY with $330k loan and $90k construction budget

Fix and Flip | Purchase New Windsor, NY Property Type: Single Family Residence Loan amount: $330,000 Construction Budget: $90,000

Accolend funded Bridge loan for multifamily property in Irvington NJ with $2.83M loan for 18-unit apartment building

Bridge Loan | Purchase Irvington, NJ Property Type: Multifamily Loan amount: $2,830,000 Unit Count: 18

Accolend funded Ground-Up cashout loan for single family home in San Clemente CA with $2.7M loan & $2.06M construction budget

Ground-Up | Cashout San Clemente, CA Property Type: Single Family Residence Loan amount: $2,700,000 Construction Budget: $2,060,000

Accolend funded rental cashout loan for single family home in Monroe NY with $300k loan and DSCR 1.25

Rental | Cashout Monroe, NY Property Type: Single Family Residence Loan amount: $300,000 DSCR: 1.25

Fix and Flip loan funded for single family home in Westfield NJ with $1.05M loan and $380k construction budget

Fix and Flip | Purchase Westfield, NJ Property Type: Single Family Residence Loan amount: $1,050,000 Construction Budget: $380,000

Bridge loan funded for multifamily property in Irvington NJ with $3.08M loan for 19-unit apartment building

Bridge Loan | Purchase Irvington, NJ Property Type: Multifamily Loan amount: $3,080,000 Unit Count: 19

Ground-Up cashout loan funded for single family home in Philadelphia PA with $1.43M loan and $1.26M construction budget

Ground-Up | Cashout Philadelphia, PA Property Type: Single Family Residence Loan amount: $1,430,000 Construction Budget: $1,256,000

Rental cashout loan funded for single family home in Dallas TX with $165k loan and DSCR 1.12

Rental | Cashout Dallas, TX Property Type: Single Family Residence Loan amount: $165,000 DSCR: 1.12

Fix and Flip loan funded for single family home in Union NJ with $410k loan and $70k construction budget

Fix and Flip | Purchase Union, NJ Property Type: Single Family Residence Loan amount: $410,000 Construction Budget: $70,000

Fix and Flip loan funded for single family home in Los Angeles CA with $2,000,000 loan and $600,000 construction budget

Fix and Flip | Purchase Los Angeles, CA Property Type: Single Family Residence Loan amount: $2,000,000 Construction Budget: $600,000

Fix and Flip loan funded for single family home in Lafayette LA with $150,000 loan and $131,000 construction budget

Fix and Flip | Cashout Lafayette, LA Property Type: Single Family Residence Loan amount: $150,000 Construction Budget: $131,000

Fix and Flip loan funded for single family home in Millburn NJ with $1,100,000 loan and $450,000 construction budget

Fix and Flip | Purchase Millburn, NJ Property Type: Single Family Residence Loan amount: $1,100,000 Construction Budget: $450,000

Fix and Flip cashout loan funded for mixed-use property in Bronx NY with $5,950,000 loan and $5,600,000 construction budget

Fix and Flip | Cashout Bronx, NY Property Type: Mixed-use Loan amount: $5,950,000 Construction Budget: $5,600,000

Fix and Flip loan funded for single family home in Montclair NJ with $2,800,000 loan and $825,000 construction budget

Fix and Flip | Purchase Montclair, NJ Property Type: Single Family Residence Loan amount: $2,800,000 Construction Budget: $825,000

Bridge loan funded for multifamily property in East Orange NJ with $4,700,000 loan for 25-unit building

Bridge Loan | Refinance East Orange, NJ Property Type: Multifamily Loan amount: $4,700,000 Unit Count: 25

Bridge loan funded for single family home in Dix Hills NJ with $565,000 loan and no points

Bridge Loan | Purchase Dix Hills, NJ Property Type: Single Family Residence Loan amount: $565,000 No points

Ground-Up cashout loan funded for single family home in Long Island NY with $1,830,000 loan and $1,500,000 construction budget

Ground-Up | Cashout Long Island, NY Property Type: Single Family Residence Loan amount: $1,830,000 Construction Budget: $1,500,000

Rental purchase loan funded for single family home in Newark NJ with $275,000 loan and DSCR 1.13

Rental | Purchase Newark, NJ Property Type: Single Family Residence Loan amount: $275,000 DSCR: 1.13

Simple, Straightforward Requirements

We build approval around the asset, not your finances. So there’s no W-2, no tax return, and no debt-to-income math. We cut the steps that slow banks down. That’s how we close in days, not weeks.

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 $8,000,000 depending on the loan program and market.
Property Requirements: Property must be a non-owner-occupied investment property located in an eligible market. Rural properties are not eligible.

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

Eligibility Criteria to Get a Loan in Seattle

Minimal Paperwork for a Streamlined Process

We keep paperwork light so things move fast. Every deal is different, but you’ll usually need:

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

Our team gives you a clear checklist for your loan. It keeps the path to closing smooth.

Requirement for Hard Money Loans in Seattle

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

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

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

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.

Apply in minutes

You provide us with the application, including property and deal information.

We send you the proposed terms of our loan, outlined in a term sheet that includes all relevant expenses and documentation requirements.

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.

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.

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.

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.

Where we lend

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TOP 10 STATES WHERE WE LEND

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New York

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Connecticut

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Massachusetts

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Accolend’s rates start at 10.25% with no points and 8.25% with points.

Accolend can close a hard money loan in Seattle in 7-15 business days.

The minimum FICO score required for hard money loans in Seattle is 620.

Accolend can finance the following type of properties in Seattle for a hard money loan:

Single Family Residence (SFR)
2-4 Unit Properties
5+ Unit Properties
Condominiums
Town Houses
Mixed use

Accolend offers following type of hard money loans in Seattle:

Fix and Flip
Bridge
Ground-Up
DSCR
Rental

Yes, Accolend offers no-points loans in Seattle.

The minimum and maximum loan amounts offered by Accolend in Seattle depend on the type of loan. Generally, our loans range from $115,000 to $8 million. If you have a specific project in mind, reach out to our team for tailored financing options.

Sales Team Phone

201-643-6650 x 1 Email

sales@accolend.com