Massachusetts Hard Money Lender

Looking for a hard money lender in Massachusetts who closes fast, charges no hidden points, and actually understands local deals? You’re in the right place. At Accolend, you get instant pre-approvals and same-day term sheets, with funding in as few as 7 business days. Our no-points loan program means less cash out of pocket at closing, and our direct-lending setup eliminates the third-party delays and surprise requirements that cost investors deals. With $850M+ funded across 1,300+ deals, we have the capital reserves and experience to move with you at the speed the market demands.

Massachusetts rewards investors who know their submarkets. Whether you’re flipping a condo in Medford, building a rental in Dorchester, or acquiring a multifamily in Somerville, our team brings localized insight into property values, market timing, and deal structure across Boston, Cambridge, Brookline, and the broader Metro Boston corridor.

When we launched our no-points program in 2016, the goal was simple: make sure borrowers keep more of their spread. That philosophy shapes everything we do. Our underwriting is built around asset value and exit plans, which means we evaluate your deal the way an investor would, not the way a bank would. Because draw management and servicing are handled in-house, inspections move faster, communication stays clear, and you always know exactly where your loan stands.

With $950M+ funded across 1450+ transactions and multiple market cycles, Accolend brings a level of experience that directly translates to smoother closings and higher certainty for you. We have navigated scope changes, missed permits, and aggressive timelines enough times to know how to structure deals that hold up when things get complicated. That experience shapes every draw schedule we build and every term we set, so your project stays on track from groundbreaking to closing.

Every Accolend loan comes with a dedicated loan manager and draw manager assigned from day one. You get a single point of contact for underwriting questions and draw requests, a loan portal to upload documents and track draw status, and practical guidance on realistic rehab budgets and timing for Massachusetts permits and inspections.

Because we lend across 40 states, we have the capital reserves and institutional backing to fund your Massachusetts deal with certainty, even in a volatile market. That scale means we can move quickly and handle projects of any size without hesitation. We have built deep familiarity with Massachusetts’s regulatory landscape and regional market conditions, so nothing about your deal catches us off guard. Our financial stability ensures we remain a reliable partner through any market cycle, not just the favorable ones. Our national reach only strengthens the local focus and expertise we bring to every Massachusetts investor we work with.