New York Hard Money Lender

Every day of delay costs you money, and deals appear and disappear quickly. You need a lender who can keep up. Our process is built for speed and simplicity, with fast approvals, same-day term sheets, and closings in as few as 7-15 business days so you spend less time waiting and more time executing. With our no points loan options, you also keep more capital in your project from day one.

New York moves fast. The average home goes to pending status in around 30 days statewide, but in high-demand markets like Brooklyn and Queens, that window shrinks considerably. With inventory remaining tight across the five boroughs and Westchester County, and homes in desirable neighborhoods regularly trading at or above asking price, hesitation isn’t a strategy. Whether you’re flipping a brownstone in Brooklyn, acquiring a multifamily property in Queens, or breaking ground on a new build in Long Island, we know these markets, and we fund in them.

Working with the wrong lender can sink your project before it even starts. Many investors face unexpected delays, high upfront fees, and underwriting processes that don’t understand the true value of their deal. We operate differently.

• Speed to Close: We can close loans in 7-15 business days.
• Save on Fees: Our no-points programs have saved borrowers thousands in upfront costs.
• Certainty of Execution: With in-house underwriting, our decisions are fast, consistent, and made by experts who think like investors. We are a direct lender, which means no middlemen and no last-minute surprises.

Since 2016, Accolend has funded over $950 million across more than 1450+ deals nationwide. We’ve seen nearly every type of deal, from straightforward flips to complex construction projects, and that depth of experience is what allows us to anticipate challenges, structure creative solutions, and get to closing without surprises. Our repeat client rate reflects something simple: when investors find a lender they can rely on, they come back. We’ve earned that trust by performing consistently, not just in favorable markets, but across every cycle since we opened our doors.

We are more than just a source of capital; we are your strategic partners. Our team provides one-on-one support and guidance throughout the entire loan process. You’ll have access to a dedicated loan portal to track your application and loan status with ease, giving you full transparency. We leverage our deep local market knowledge to help you navigate the specifics of the New York real estate landscape. Our goal is to empower you with the right funding and the right insights to help your investments succeed.

Because we lend across 40 states, we bring the capital reserves and institutional backing to fund your New York deal with certainty, even when markets shift. That scale means we can move on projects of any size without hesitation and without funding delays that put your timeline at risk. We know New York’s regulatory environment and local market dynamics, so nothing about your deal requires a learning curve on our end. Our financial stability means we’re a consistent partner through every market cycle, not just the easy ones. That national foundation is what allows us to show up for every New York investor with the focus and reliability of a lender that knows your market.