Direct private lending · Massachusetts
Speak with a lender: 617.752.7000
Boston Trust Corp · Direct Private LendeR
Fast financing you can trust.
Boston Trust Corp lends directly from our own balance sheet on Massachusetts real estate — bridge, construction, and investment property financing. Every loan is underwritten in-house and held in our portfolio. One decision-maker, and a timeline built around your transaction — including expedited closings in as few as three days when timing is critical.
LEnding At a Glance
Structure
Direct portfolio lender
Capital
Our own balance sheet
Loan Size
$100,000 – $5,000,000
Term Sheet
In writing, within 24 hours
Collateral
Residential, multifamily & commercial
Geography
Massachusetts
Timeline
Set by your transaction, not ours
Decisions
In-house — no committee
Chris Anderson's Track Record
FUNDED
YEARS OF LENDING
Market cycles funded through
LOANS HELD ON BALANCE SHEET
Bridge Financing
Short-term capital for time-sensitive acquisitions, note payoffs, and repositioning — when certainty of execution is the deciding factor.
Collateral
Residential & commercial
Structure
Short-term, interest-only
Typical use
Acquisitions, maturing debt, partner buyouts
LTV
Typically 70–75%
Renovation & Value-Add
Acquisition and improvement financing for experienced investors. We underwrite the plan, the budget, and the exit — not just the file.
Collateral
Single-family through mid-size multifamily
Structure
Funded rehab budget, scheduled draws
Typical use
Fix & flip, condo conversion, repositioning
LTV
Typically 70–75%
Construction Lending
Ground-up financing from principals with three decades of hands-on building, owning, and managing Greater Boston real estate. We know what a budget should look like — and what happens when it doesn't.
Collateral
Spec builds, teardowns, condo projects
Structure
Inspected draws, released on your schedule
TYPICAL USE
New construction & major redevelopment
LTV
Raw land to 50% · Permitted to 60%
Investment Property
Capital to acquire, stabilize, or season income property on your timeline — then refinance into permanent debt when the asset is ready.
Collateral
Rental & income-producing property
Structure
Single asset or cross-collateralized
TYPICAL USE
Buy & hold, stabilize & refinance
LTV
Typically 70–75%
Lending Solutions
Financing structured around the transaction — not the other way around.
Each facility is underwritten by principals who have owned, built, and managed the same asset classes we lend on. Terms are tailored to the deal and delivered in writing within 24 hours.
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 May 2026
$860,000
Boxford, MA
Single-Family · New Construction
Funded May 2026
$900,000
Cambridge, MA
Commercial
Funded May 2026
$682,500
Boston, MA
Two-Family · Residential Income
Funded March 2026
$800,000
Vineyard Haven, MA
Residential Income · Martha's Vineyard
Funded May 2026
$487,500
Natick, MA
Two-Family · Residential Income
Funded February 2026
$1,001,000
Boston, MA
Three-Family · Residential Income
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
Underwriting discipline, applied with an operator's judgment.
There is no scoring model and no committee in another state. Every credit decision at Boston Trust rests on three questions Chris Anderson has asked for 28 years:
First
Can the borrower repay?
Not whether the file looks complete — whether this borrower, with this plan, can service and retire this obligation.
Second
Can they execute?
Track record, team, budget, and timeline. We lend to operators who finish what they start.
Third
Will the collateral hold value?
We underwrite the building, the block, and the exit. Local knowledge is our margin of safety — and our borrowers'.
Step 1 · Consultation
The conversation
Present the transaction directly to a decision-maker. Most receive a preliminary answer on the first call.
Step 2 · Terms
Written proposal
A formal term sheet, in writing. What we propose is what our borrowers close on.
Step 3 · Diligence
Verification
Title, valuation, and public records — reviewed by a team underwriting Massachusetts real estate since 1998.
Step 4 · Closing
Funding
Funds wire at the table, on the date your transaction requires. Because the capital is ours, the timeline is ours to control.
Every closing date is set by the transaction itself. Most loans close within a few weeks; when timing is critical, we have closed in as few as three days.
Free Investor Tool
Run your deal through our Deal Analyzer.
Four models — fix & flip, new construction, stabilize & refinance, and buy & hold — built the way our underwriting desk actually looks at a transaction. Every assumption is yours to adjust; the math flags the same risks we would.
What It Answers
Fix & Flip
Profit, cash required, return on cash
Construction
All-in cost vs. completed value
Stabilize & Refi
Takeout proceeds, cash left in
Buy & Hold
DSCR, cash flow, max loan
"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 owned, built, and managed Massachusetts real estate since 1993 — residential, multifamily, and commercial, in the same neighborhoods we lend in today. 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.
Every Boston Trust loan is funded from the firm’s own capital and held 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
Nick Anderson
Loan Analyst & 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
From the Blog
Market insight from the lending desk.
Practical guidance for Massachusetts real estate investors — published regularly, written by the people underwriting the loans.
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.