Get personalized service for your project loan.

Speedy closings with NO underwriting fees!

*Please note we do not fund individuals for home remodeling projects*

    Attractive & competitive rates

    Fast execution,

    streamlined process

    One point of contact

    Best service on the market for

    hard money loans

    “70% of our borrowers stay on as repeat customers!

    That’s because we’ve made the process so straightforward, easy and reliable.”

    ~ Cutter Hill Capital

    Client Testimonials

    “As a professional real estate investor, I have borrowed from dozens of lenders. Randy Winters and Cutter Hill Capital are great to work with. We have clear communication and we never have added time delays from getting passed from department to department. CHC has fair rates and allows us to always close on time!”



    “Working with a hard money lender in the past was always frustrating when it came to service and responsiveness. As a result I always hesitated to use it. Cutter Hill Capital completely changed my opinion of hard money lending. Instead of being a lender they became a valuable partner to us. There is a big difference when you are working with someone who has your best interest in mind. “


    Tyngsboro, MA

    “We have used Cutter Hill Capital on multiple projects. CHC shares a similar business philosophy with a focus on building a lasting, mutually beneficial relationship. We value his feedback, appreciate the easy and streamline process. CHC has acted as a sanity check on deals we are looking at.”


    Hingham, MA

    We provide funding for house flippers, real estate investors, and many other (non-individual) business entities that require fast and convenient funding for construction projects.

    construction hard money loan Boston ma

    We provide hard money loans, rehab loans, bridge loans, and new construction loans to clients all over New England, Massachusetts, Connecticut, and Rhode Island. We also work in markets in Pennsylvania, Florida and North Carolina. Our focus has always been to bridge the gap where other lenders fall short; by providing unique and creative loan structures to meet the specific needs of our clients.


    We will help you select the best type of loan to fit your needs!

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      Hard Money Lender in Massachusetts

      At Cutter Hill Capital, we have built our reputation on our personalized service and straightforward practices. As a trusted hard money lender in Boston and serving all of Massachusetts, we are proud to serve our clients by providing the funding they need for a variety of projects.

      Whether you need a short-term loan to fix and flip a property or a bridge loan for a commercial space, we are the partner you can count on to help you achieve your goals. Since we are a private lender, we can offer a high level of convenience and quick closings that you won’t find with traditional loans through a bank.

      Our principals have facilitated over a thousand real estate and lending transactions. With us, you work with industry experts who understand how to structure loans that meet your unique needs. When you are ready to consult with a private lender that takes the time to understand your personal goals and project requirements, reach out to us. Make Cutter Hill Capital your go-to private money lender for real estate. We look forward to working with you.

      What Are Hard Money Loans?

      A hard money loan is an alternative to mortgage lending. Typically, these are shorter-term loans from private individuals or companies and are secured by real property. Since the property is used as collateral, the terms of the loan are based on the value of the real estate rather than on the credit of the borrower.

      These loans are advantageous in situations when borrowers need to access cash quickly and intend to repay the loan over a shorter time frame, often between one and three years. Because these loans are negotiated directly between private individuals or companies and the borrower, the terms can be structured flexibly.

      Although hard money loans often come with higher interest rates and lower loan-to-value ratios than traditional mortgages, they have distinct benefits, such as faster closings and easier approval. These loans are common among borrowers who want to fix and flip properties for a profit, investors who want to bridge the gap between real estate purchase prices now and longer-term financial solutions later, and others who have an immediate need for funding.

      Finding Hard Money Lenders in Massachusetts

      If you are asking yourself, “who are the reputable hard money lenders near me,” you may not know who to trust. For something as important as financing with property as collateral, you want to be sure you are working with an experienced lending team that keeps your best interest in mind. At Cutter Hill Capital, we always place the client first. Our knowledgeable team will guide you through the process and recommend the best solution for your needs.

      Our loan criteria are as follows. If this looks like a good fit for you, we welcome you to give us a call and fill out our application:

      • Loans – Fix and Flip, Construction, Commercial Bridge
      • Properties – Non-Owner Occupied Homes & Commercial Investment Spaces
      • Loan Amount – $100,000 – $2,000,000
      • Terms – 12 Months Initial Loan Term
      • Interest Rates – 9% – 12% 
      • Loan-to-Value (LTV) Ratio – Up to 75% of the As-Complete or After-Repair Value
      • Origination Fee – 2%
      • Closing – 7 to 10 Business Days
      • Lien Position – 1st Lien Only 

      Fix and Flip Loans in Massachusetts

      buy and hold loans Boston ma

      Many of our borrowers are real estate investors who need funds to purchase a property, renovate it, and either sell it for a profit within a year or so or refinance it into a longer-term, conventional loan. If this is what you have in mind, our fix and flip loans are ideally structured for your purposes. We work with borrowers who are interested in flipping single-family homes or 2- to 4-unit multi-family homes.

      Our application process is fast and simple. You’ll submit answers to a few questions regarding your project, and a member of our team will reach out to you shortly later to discuss the next steps. Property flipping is a rewarding way to turn a profit, and if you qualify for one of our loans, you’ll quickly be all set to get started.

      Let us know if you would like more information about our Massachusetts fix and flip loans. Our company welcomes the opportunity to hear from you and learn about your investment plans.

      Why Choose Cutter Hill Capital as Your Private Money Lender

      Our commitment to our clients has earned our reputation as one of the area’s best hard money lenders. When you choose us, you get one point of contact who takes you through the entire process. You won’t get lost in the mix as you might with larger companies. We are serious about maintaining direct, transparent, and open communication with each client. Integrity and trustworthiness are our central values, and we uphold the industry’s highest standards of professionalism.

      Our application and approval processes are fast, efficient, and straightforward. We make a point of getting you the funding you need as soon as possible. By applying for a loan through us, you can expect:

      • No Loan Review Fee
      • No Processing Fee
      • No Appraisal Fee
      • No Underwriting Fee
      • No Application Fee
      • No Servicing Fee
      • No Prepayment Penalty 

      Convenience, personalized attention, and fast closings: if you are ready to take advantage of these and our other client benefits, go ahead and submit your application today for private money lending for real estate. We’ll show you the qualities that set us apart from the rest and why 75% of our clients become repeat clients.

      Quick & Easy Rehab Loans in Boston

      There are many exciting real estate investment opportunities out there. When you spot a property that you’d like to purchase and flip or bridge to a long-term mortgage, we want to hear from you. Our company provides financing solutions for borrowers who wish to improve the quality and resale value of residential and commercial properties.

      With the right funding, you can turn outdated properties into profitable gems that future buyers or investors won’t be able to resist. Property flipping definitely requires some know-how, and, like any investment venture, it comes with its own share of risk. But when the market’s right and the renovations are done properly, flipping homes can generate impressive revenue streams. To get started, turn to us for your hard money rehab loan.

      Our client-first approach is designed to set your project on track for success. We structure your loan flexibly according to your needs and collateral. Your convenience and satisfaction with our service are always our top priorities.

      construction hard money loan Boston ma

      Providing Renovation Loans to Boston Property Owners

      Financing, or the lack of it, doesn’t have to be a hurdle to your investment plans when you work with us. As experienced Massachusetts hard money lenders, we understand how to provide funding that suits your project. With our renovation loans, you can transform your residential or commercial property into a desirable space that commands a higher resale price.

      Often, our clients have found aging or neglected properties that have real potential. All they need is the loan to get started on remodeling and repairs, and before too long, they’ve restored these homes or commercial structures into hot commodities on the real estate market. We know that our loans are opportunities to create value in your property so that you can turn a profit. That’s why we take our obligation to you so seriously.

      We want to get you started on your investment idea by approving you for a loan without hassle or delay. Just reach out to us and let us know what you have in mind.

      Construction Loan Lenders in Boston

      If you own a property free and clear and want to renovate or build something new, our construction loans may be the option you’re looking for. These loans are designed to facilitate construction projects on single-family or small, multi-unit properties. Our services are for borrowers who want short-term funding to reach their construction objectives.

      The terms of our construction loans are between 12 and 24 months. We approve construction loan amounts from $200,000 to $2.5 million to help you cover the costs of permits, plans, fees, material, labor, and closing. With our creative and flexible loan structuring, we have financed many borrowers who were ready to renovate a residence or develop an empty lot, and we can help you, too.

      The next time you are researching the area’s best construction loan lenders, keep our name in mind. Our team is passionate about helping borrowers tap into the potential of their investment properties. To get started on your plans, please don’t hesitate to reach out to us and apply today. At our company, we are devoted to the success of our clients.

      Boston’s Choice for Commercial Bridge Loans

      Our convenient, transparent lending services have earned us a loyal clientele in the local business community. We proudly serve Massachusetts businesses and investors by providing the funding that promotes the health of their operation. When you need to make important updates to your commercial property, our team is here to review your options.

      Clients know that when they choose us, they receive individualized treatment that focuses on their unique concerns. Each project is different, and so we structure your loan to best meet the requirements of your plans. When projects change and more time is needed in transition, reach out to us for the best service for Bridge Loans in MA, RI and CT.

      Let us show you the commitment to customer satisfaction that has made us a premier private lender among commercial clients. Your project is important to us, and we want to help you to get it off to a good start by quickly connecting you with the necessary funding. Contact us if you would like more information.

      Hard Money Loans for Real Estate Investment Properties

      Real property ownership presents lucrative opportunities for investors. Whether you want to flip a home or fix up a multi-family unit and restructure to a traditional, 15- or 30-year mortgage, a hard money loan can set you on track toward a profit. When you see a chance to boost a property’s value to recoup a potential profit, our team of lending experts is available to assist you.

      Our services cater to a variety of investors who want to access fast, short-term funding so that they can optimize the return on investment properties. We treat each client as an individual, so we know that pushing a one-size-fits-all approach isn’t how to help borrowers achieve success.

      Working with a lender who stays in touch with you from start to finish and takes the time to learn the details of your plans means that you’ll get a loan structure that better reflects your needs and goals. Our team members work closely with each client in order to ensure the highest quality of service.

      Commercial Real Estate Bridge Loans in Boston

      We are the hard money lenders in Massachusetts to turn to when you need to stabilize a property with a commercial bridge loan. These short-term funding solutions are designed to help borrowers who want to purchase or renovate commercial or mixed-use properties before transitioning to traditional, long-term financing.

      If you are an experienced borrower with 3 or more previous investments, you may be an ideal candidate for a commercial bridge loan. The terms are from 6 to 24 months, and loan amounts may be between $1 million and $7.5 million. We have proudly assisted many investors with our commercial bridge loans, and we are here to help you achieve your investment goals.

      Our team believes in our clients, and we want to provide the financing that helps them take advantage of potentially lucrative opportunities. When you see a chance for a profit with commercial property, talk to us. We want to be the partner you come to for all of your short-term funding needs.

      Direct Private Money Lenders in Massachusetts

      Traditional financing through banks isn’t the best solution for all clients in all situations. We know that often, investors need a quick cash resource to help them start a real estate project. That’s why we provide our alternative borrowing options. Don’t miss out when you’ve identified an opportunity for a real gain – let us match you with the short-term financing you need.

      Cutter Hill Capital provides private lending services throughout Massachusetts and select national markets. Contact us today for more information about our loan products.