Private Money Lenders in Massachusetts

Yes. Private money lenders specialize in financing real estate investments — purchases, renovations, new construction, and refinances — for investors who want to move faster than a bank allows. Norfolk Capital funds non-owner-occupied investment projects across Massachusetts.

Qualification centers on the property and your plan for it — its value, the project's potential, and a clear exit such as a sale or refinance. Investor experience helps, but because the loan is secured by the asset, the criteria are typically more flexible than a conventional bank's. The fastest way to find out is to apply and let our team review your specific deal.

Often, yes. Private and asset-based lenders weigh the property's value and your project plan heavily, so credit is one factor among several rather than the sole deciding one. It still matters, but a strong deal with a realistic exit can carry significant weight. Apply and we'll assess your situation directly.

Private money is priced for speed, flexibility, and short-term risk, so it generally costs more than long-term conventional financing. The exact terms depend on the property, the project, your experience, and your exit strategy. We'll walk you through the structure for your specific deal when you apply.

The two overlap and are often used interchangeably. Hard money typically refers to short-term loans priced around a property's value, while private money is the broader category of capital sourced directly from private lenders rather than banks. Norfolk Capital provides both — you can also review our Massachusetts hard money loans for program-specific details.

Common uses include fix-and-flip projects, ground-up construction, bridge financing and refinances, and rental and DSCR strategies for buy-and-hold investors. If your project doesn't fit neatly into one bucket, we'll structure something that does.