Fitchburg Bridge Lenders for Residential Properties
Are you seeking a bridge loan secured by residential property in Fitchburg, MA? On this page you'll find a list of select bridge lenders for investment properties with 1 to 4 units. To get a 1st lien bridge loan, you must have at least 30% equity. Due to federal laws and regulations, bridge loans are not offered for a homestead (owner-occupied primary residence) or 2nd home. Change the loan type to 'Residential Owner-Occupied' to find some alternative lending options.Searching...
Sorry, your search returned no results.
Cardinal Capital Group
New England Direct Private Money Lender
Malve Capital LLC
Fast And Easy Real Estate Loans. Closing as fast as 5 business days, subject to clear title.
Kiavi
Servicing 18,000+ Real Estate Investors Across the Country
Dunmor
Do More With Dunmor
Gelt Financial, LLC
Creative Private Financing for Commercial Real Estate since 1989
Yieldi
Direct, Reliable Lender for Investment Properties
Unitas Funding LLC
Direct Lending for Residential Property Investors - Bridge, Rehab, Construction
RCN Capital
Direct Lender for Residential Fix & Flip, Long-Term Rental, Bridge Loans
Accolend
No Points, 0% Origination Fee | Residential, Multifamily, Mixed-Use
Groundfloor Lending
Fast Funding with Deferred Interest Payments
Conventus
We Fund Fast While Providing Excellent Service and Competitive Pricing
LendingOne
Rental, Fix & Flip, New Construction, Fix to Rent, SFR Portfolio Loans Nationwide
i Fund Cities
Direct Lender for Builders and Rehabbers
RBI Private Lending
Direct lender for Bridge Laons, Fix and Flip and Construction. Foreign nationals and new investors welcome.
Center Street Lending
Smarter Loans for Residential Investors
Certain Lending
The Mortgage Company Built for Real Estate Investors
American Heritage Lending
Direct Lender for Residential Real Estate Investors Nationwide
Stormfield Capital, LLC
Direct Balance-Sheet Lender for Investment Properties
Residential Capital Partners
100% Financing for Residential Rehab Projects (NO Money Down)
RD Advisors
Developer Financing, Fast | Direct Lender for Property Investors
Top 20 Massachusetts Bridge Loan Lenders
According to Forecasa™, here are the Top Bridge Lenders ranked by the number of bridge loans* originated in Massachusetts from April 2025 to June 2025.
- Renovo Financial funded 59 loans
- Tailor Ridge Real Estate Lending Fund funded 44 loans
- QS Private Lending LLC funded 31 loans
- Kiavi funded 29 loans
- Cahoon Capital funded 29 loans
- Cardinal Capital Group Inc funded 24 loans
- Pinnacle Financial Services LLC funded 23 loans
- G Capital LLC funded 22 loans
- RCN Capital LLC funded 20 loans
- RF Boston LLC funded 19 loans
- Raymond C Green Funding funded 18 loans
- Dunegrass Capital LLC funded 16 loans
- ROC Capital funded 14 loans
- Asset Based Lending LLC funded 13 loans
- Velocity Commercial Capital funded 12 loans
- First Boston Capital Partners LLC funded 11 loans
- Boston Trust funded 11 loans
- Latitude Capital funded 11 loans
- Rd Advisors funded 11 loans
- Signature Lending LLC funded 9 loans
* The number of loans funded are approximate and includes long-term rental loans.
Forecasa™ gives investors and lenders in the private real estate market powerful analytics and actionable insights. They help you skip the hassle of combing county records and focus on closing deals. With detailed market trends, investor and lender activities, and competitive benchmarking, you can make smart, strategic decisions. Some of their services include dynamic market reports, transaction-level details, customer analytics, borrower verification, and in-depth profiles of investors, lenders, and capital partners. You’ll find their top lenders data for many other states on our platform..
Massachusetts Bridge Loan Interest Rates
According to the loan documents software company, Lightning Docs, the average interest rate for Massachusetts bridge loans in the 3rd quarter of 2025 was 10.33%. The average loan amount was $1,113,459. These stats are the average of 215 short-term loans (including rehab and ground-up construction loans) funded for properties in Massachusetts between July 1, 2025 and September 30, 2025 by multiple bridge lenders that use Lightning Docs as their preferred software provider to prepare loan documents.
According to private lending data provider, Analytics Logics, the average interest rate for bridge loans secured by residential investment properties in Massachusetts in the 3rd quarter of 2025 was 11.39%. Lenders charged an average of 2.3% points (origination fee). The average LTV (loan-to-value) for bridge loans in Massachusetts was 58%, and the average loan amount was $1,200,000. These stats are the average of all the loans which were funded between July 1, 2025 and September 30, 2025 by the many private lenders who use Liquid Logics’ loan origination software to manage their lending operations.
Massachusetts Bridge Loan Volume
According to SFR Analytics, here is the approximate quarterly volume of bridge loans secured by investment real estate in Massachusetts which were funded by private lending companies from January 2025 to December 2025.
- Approximately $- of bridge loans were funded in the 4th quarter of 2025 for - borrowers.
- Approximately $352,478,269 of bridge loans were funded in the 3rd quarter of 2025 for 424 borrowers.
- Approximately $395,452,822 of bridge loans were funded in the 2nd quarter of 2025 for 582 borrowers.
- Approximately $286,810,680 of bridge loans were funded in the 1st quarter of 2025 for 490 borrowers.
Below are the approximate bridge loan volume amounts for Massachusetts metropolitan areas:
Boston-Cambridge-Newton, MA
- 2025 Q4: $- for - borrowers
- 2025 Q3: $249,451,718 for 230 borrowers
- 2025 Q2: $281,161,025 for 306 borrowers
- 2025 Q1: $193,940,405 for 262 borrowers
Springfield, MA
- 2025 Q4: $- for - borrowers
- 2025 Q3: $13,563,303 for 42 borrowers
- 2025 Q2: $15,074,372 for 62 borrowers
- 2025 Q1: $22,069,157 for 65 borrowers
SFR Analytics provides advanced analytics for top-performing real estate investors and private lenders. Their platform provides nationwide, real-time property data, including market activity, ownership changes, and detailed buyer behavior insights. With custom dashboards and alerts, users can track active investor and lender activity, access rental market information, and analyze geographic and demographic trends. Their Private Lender Radar product gives lenders deep insights into borrower portfolios, lending activity, and verified contact details. For those needing bulk data, they supply updated daily records, including deeds, rental listings, demographic data, and building permits, to support informed decision-making across the residential real estate market..
Mid-Project Refinance Bridge Loans in Massachusetts
Cardinal Capital Group is one of the few lenders on our platform that offer refinance bridge loans to complete a residential rehab or construction project in Massachusetts. Below is a excerpt from our interview with the company’s CEO, Briana Hildt.
In this clip, Briana Hildt discusses the risks and realities of refinancing loans mid-project — a scenario many lenders traditionally avoid due to concerns over “broken priority” and unclear construction progress. According to Hildt, the hesitation typically stems from lenders not originating the original loan and lacking visibility into prior work, payments to subcontractors, or potential lien issues. However, she argues that with proper construction expertise and due diligence, these refinances don’t need to be off-limits.
Cardinal Capital Group takes a more hands-on approach. With experience in both lending and construction, the team can assess whether a project is truly 65% complete or still far from the finish line. They rely on a combination of appraisals, title checks, and experienced judgment to verify borrower claims and evaluate project health. “As long as you can get clear title and see that no liens are outstanding,” Hildt says, “it’s really not that complicated.”
She also highlights how the pandemic exposed the need for more flexible underwriting. During COVID, permitting delays became common as local municipalities slowed operations, turning what should have been a quick approval into a months-long process. In those cases, borrowers often needed a refinance — not due to mismanagement, but because external timelines shifted drastically. Understanding the difference between delays driven by bad actors versus municipal bottlenecks, Hildt explains, is key to fair underwriting.
The conversation closes by addressing another common question: why didn’t the borrower’s original lender offer the refinance? Hildt explains that many institutional lenders don’t have the capital flexibility, note ownership, or loan servicing infrastructure to allow for extensions or refis — especially if they’ve already sold the loan. What seems like a red flag may simply be a limitation of the lender’s capital stack. With a more open-minded and experienced underwriting process, Cardinal is able to take on those refis that others won’t — and often finds them to be solid, low-risk deals.
Cardinal Capital Group (CCG) has collectively facilitated over $1 billion in funded loans and is one of the top bridge lenders for residential investment properties in Massachusetts. Visit their profile to find more short video clips, or watch the complete interview with Briana Hildt.
2 Local Massachusetts Bridge Loan Lenders
Below are the bridge loan lenders on our platform that are “local” lenders, based in the Boston metro area…
- Cardinal Capital Group
Based in the South End of Boston, Cardinal Capital Group ranks among the top five highest-volume bridge lenders in Massachusetts. Their loans are secured by multifamily and residential investment properties with a maximum loan-to-value of 75% for refinance bridge loans. In addition to Massachusetts, they lend in the rest of New England, plus a few other states. - RD Advisors
Based in South Boston, RD Advisors manages a debt fund which offers bridge loans secured by multifamily and residential investment properties in the Greater Boston metro area. They provide speed and flexibility for short-term refinance loans.
