Cambridge Hard Money Lender

With a dedicated daily focus on Cambridge real estate, we provide the steady capital and local know-how required to win competitive properties. Sitting on idle capital isn’t a strategy here. Every day without funding is a deal you’re watching someone else close. We built our process around one thing: getting you to the closing table fast.

Cambridge doesn’t slow down for anyone. Good properties go under agreement in hours, sometimes less. Waiting two weeks for financing means losing the property to a faster buyer. Homes in Cambridge market spend a median of 48 days on the market. We fund flips in Cambridge port, acquisitions in Central Square, and ground-up builds near Alewife. We know these streets. And we lend on them.

No third parties. No middlemen. No waiting on a committee somewhere else to review your file. Every decision at Accolend is made in-house, which means you hear back fast and your deal doesn’t stall waiting on someone else’s calendar.

Our underwriting team looks at what a project is actually worth, not just what fits a form. Each file gets reviewed on its own terms. That matters when you’re working with properties that don’t fit a cookie-cutter profile.

What sets us apart:

• Speed & Certainty: Close in 7-15 business days, backed by in-house underwriting and funding.
• No-Points Loan Programs: Keep more cash at closing. Put it toward repairs, new buys, or portfolio growth across Cambridge.
• Investor-Focused Underwriting: We weigh the asset, your plan, and the upside with real investment insight.

More than $1B+ funded. Over 1450 deals closed. Those aren’t marketing numbers. That’s what a decade of active lending looks like when you actually show up for investors.

In Cambridge, we’ve funded condo conversions in East Cambridge, multifamily purchases near North Cambridge, and full gut rehabs around Inman Square. We’ve been in the room for the deals that penciled out tight, the ones where timing was everything, and the ones where a last-minute snag needed a fast solution. That’s the kind of track record that matters.

When we underwrite, we look at leverage, what repairs will cost, and how quickly the property can move once work wraps. We build loan terms that match your actual exit, not a generic one. Borrowers come back because it works. That’s the whole story.

Getting funded is just the start. From your first call to final funding, you’ll have a team that picks up the phone and knows your deal. We walk you through underwriting, draw schedules, and closing timelines without the runaround.

Never done a flip before? We’ll walk you through it. Experienced developer in Kendall Square who’s done this twenty times? We’ll stay out of your way and move fast. Either way, you get a loan portal that shows you exactly where things stand at every point. No guessing. No chasing someone down for an update.

Lending across 40+ states isn’t just a stat. It means we carry the capital reserves and institutional backing to fund your deal with certainty, even when the broader market gets rocky. We’re not scrambling to find the money. It’s there.

A single condo rehab in Mid-Cambridge. A multi-unit ground-up near Alewife. We fund both without skipping a beat. We know Cambridge’s permitting quirks, its neighborhood dynamics, and where values are moving. Nothing about your deal will catch us off guard. And when the market shifts, we don’t suddenly change our terms or pull back. Our stability runs through every cycle, not just the comfortable ones.