Direct private lending · Massachusetts
Speak with a lender: 617-752-7000
Direct Balance-Sheet Private Lending | Massachusetts
Massachusetts Hard Money & Bridge Loans from a Balance-Sheet Lender
Boston Trust Corp is a direct private lender in Massachusetts providing hard money loans, bridge loans, fix & flip and renovation financing, construction lending, and investment property loans.
Boston Trust Corp is a direct private lender in Massachusetts providing hard money loans, bridge loans, fix & flip and renovation financing, construction lending, and investment property loans.
Loan amounts range from $100,000 to $5 million, with written terms available within 24 hours. Most loans close within 3 to 10 days, and when timing is critical, Boston Trust has closed transactions in as few as approximately three days. These figures are consistent with the current loan-program pages.
Lending at a Glance
Loan Size
$100,000 – $5,000,000
Typical LTV
Bridge & investment property loans typically 70–75%; fix & flip determined by deal; construction up to 50% raw land / 60% permitted
Property Types
Residential, multifamily & commercial
Lending Area
Massachusetts
Capital
100% Boston Trust balance-sheet capital
Term Sheet
In writing within 24 hours
Closing Timeline
Most loans 3–10 days; as few as approximately 3 days when timing is critical
Underwriting
In-house, no outside committee
Chris Anderson's Track Record
FUNDED
YEARS OF LENDING
Market cycles funded through
LOANS HELD ON BALANCE SHEET
Lending Solutions
Private Lending Solutions for Massachusetts Real Estate Investors
Whether the deal requires speed, renovation capital, construction funding, or a short-term solution before permanent financing is available, Boston Trust Corp structures financing around the property and the investor's plan.
Buy it right and we'll finance it right — up to 100% of purchase price when the deal supports 70% LTV. Subject to underwriting.
We lend on value, not purchase price. We give credit to borrowers who find good deals — and we will not use your purchase price as a floor.
Funded july 2026
$1,000,000
Norwood, MA
Commercial | purchase
Funded july 2026
$765,000
Dorchester, MA
Three family | purchase
Funded july 2026
$525,000
Stoneham, MA
condo | purchase
Funded august 2026
$510,000
Framingham, MA
two-family | purchase
Funded august 2026
$328,000
Taunton, MA
single-Family · fix & flip
Funded August 2026
$650,000
Milton, MA
Single-family | purchase
Recently Funded
Our balance sheet, at work across Massachusetts.
A sample of closings from the Boston Trust portfolio — every one underwritten in-house and funded with our own capital.
Representative closings from the Boston Trust portfolio. Loan amounts and locations shown; borrower details are confidential.
Our Approach
Financing Structured Around the Transaction
Boston Trust Corp does not broker loans or send transactions to another lender for approval.
We are the money
Every loan is evaluated in-house and funded with Boston Trust's own capital. That gives our team more control over the structure, terms, and closing timeline.
Our underwriting focuses on three questions:
First
Can the Borrower Repay?
We look at the borrower's plan and ability to service and repay the loan.
Second
Can They Execute?
Track record, team, budget, and timeline. We lend to operators who finish what they start.
Third
Will the Collateral Hold Its Value?
We evaluate the property, its location, and the investor's exit strategy.
How the Lending Process Works
Step 1 · Consultation
Tell Us About the Deal
Send us the property address, transaction details, and the story behind the opportunity.
Step 2 · Terms
Speak With a Decision-Maker
Your transaction is reviewed by the people who can actually make the lending decision.
Step 3 · Diligence
Receive Written Terms
When the transaction fits, Boston Trust can provide a written term sheet within 24 hours.
Step 4 · Closing
Complete Due Diligence and Close
Our team reviews title, valuation, public records, and the details needed to prepare the transaction for closing.
Because the capital is ours, we can work around the needs of the transaction rather than an outside funding schedule.
Free Investor Tool
Run Your Deal Through Our Deal Analyzer
Four real estate investment models help you review the numbers before submitting a deal:
What It Answers
Fix & Flip
Review estimated profit, cash required, and return on cash.
New Construction
Compare total project costs with estimated completed value.
Stabilize & Refinance
Estimate takeout proceeds and the amount of cash remaining in the project.
Buy & Hold
Review DSCR, cash flow, and estimated maximum financing.
"We don't broker loans and we don't resell them. When Boston Trust commits, the transaction closes — because we are the money."
CHRIS ANDERSON · FOUNDER & CEO
About Boston Trust
Three decades of Boston real estate. On both sides of the table.
Three decades of Boston real estate. On both sides of the table.
Boston Trust Corp is led by founder Chris Anderson, a Dorchester native who bought his first investment property at 21 and has been in Massachusetts real estate since 1993. In 1998 he took a seat on the lending side as well, and in the 28 years since has funded over $1 billion in debt secured by real estate, deal by deal, relationship by relationship, through every cycle the region has seen.
That sequence matters to our borrowers: their lender was an owner first — and still is. He has stood where they stand, at the closing table, in the permit office, and on the job site. Chris continues to own and manage Massachusetts income property through affiliated companies, so the person underwriting your loan is operating in the same market, under the same conditions, with his own capital at risk.
As a direct lender, Boston Trust funds every loan from the firm's own capital and holds it in its own portfolio. We answer to our underwriting standards, not to a secondary market. When we commit, the transaction closes.
Chris Anderson has Funded through four market cycles
2000–2002
Dot-com downturn. Liquidity disappears exactly when it's needed — so we maintain our own.
2008–2010
Global financial crisis. As institutions retreated, we continued lending in the neighborhoods we know.
2020–2021
COVID-19. Closings continued, because our capital never had to ask permission.
2022–Present
Rate environment. When takeout economics shifted overnight, disciplined underwriting made the difference.
The discipline never changes — it now underwrites every Boston Trust loan.
From the Founder
Chris Anderson - Founder & CEO
Boston Trust exists because I spent years on the other side of the table.
I came up in this business the hard way. Dorchester kid, no money, no connections, buying my first investment property at 21 and learning real estate one building and one mistake at a time. Every cycle since 1995, I've been in it — as a borrower, as an investor, as an operator.
And the same problem kept showing up.
I'd find a deal. The clock would start. And the lender would be the thing that killed it. Too slow. Too rigid. Didn't understand Boston, didn't understand the asset, didn't understand what was actually at stake.
I've been an owner in this market through four cycles. And I never forgot what it felt like to watch a deal die because the capital couldn't keep up.
Boston Trust is the lender I needed back then.
We hold every loan on our own balance sheet. We decide in hours and fund in days. And when you call, you reach a lender who has owned what you're buying and lived through the market you're buying in.
That's the whole reason we exist.
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Founder and CEO, Boston Trust
Broker Relationships
A lending partner your clients will thank you for.
Brokers and referral partners built this firm alongside us. We protect the relationship, move at your client's pace, and pay fees at the closing table — every time.
Your client remains yours
We do not circumvent, solicit, or cross-sell referred borrowers. The relationship you bring stays yours — on this deal and the next.
Answers in hours
Send the address and the story. You'll receive a clear yes, no, or "here is what it takes" — quickly enough to keep your client's transaction alive.
Fees paid at closing
Broker compensation appears on the settlement statement and funds at the table. No chasing, no clawbacks, no surprises.
OUR TEAM
The people behind every closing.
Underwriting, servicing, and business development — in one office, on one team, reachable directly.
Nadia Zaiter
Operations Manager
Kerrie Anderson
HR Manager & Accounting
Nicole Grover
Loan Servicing Manager
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Nick Anderson
Underwriting & Loan Servicing
Dave Carey
Business Development Representative
Evelyn Velasquez
Finance & Credit Specialist
Amy Hawe
Controller
Anthony Bettencourt
Business Development Representative
Tori Koenig
Marketing Manager
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Charlie Bean
Business Development Representative
Kaitlyn Ruggiero
Loan Servicing Assistant
Case Studies
Recently Funded
Request a Payoff
Payoff statements are prepared and returned by our servicing
team.
Request a Construction Draw
Submit your draw request and inspection will be scheduled on
your timeline.
Telephone
617.752.7000
Office
100 Hallet Street
Dorchester, MA 02124
Lending Area
Massachusetts
Availability
If your transaction is live, so are we.
BORROWER SERVICES
Already a Boston Trust borrower? Request service here.
Construction draws and payoff requests go straight to our servicing desk — no phone tag required.
The Hard Money Edge
The lending desk's view of the Boston market. Weekly.
Rates, foreclosure activity, construction costs, and a real, anonymized Massachusetts closing in every issue — written by the professionals underwriting the loans, not a marketing department.