Bridge Loans for Boston and Massachusetts Investors
A bridge loan is short-term capital for when timing matters more than anything else. Typical cases are an acquisition with a hard closing date, a loan that's about to mature, or a partner who needs to be bought out now. Boston Trust Corp makes bridge loans on residential and commercial property across Boston and Massachusetts. We fund them from our own balance sheet, so the funding decision doesn't depend on anyone else. Bridge loans are one of our Massachusetts hard money loan programs.
Founded in 2000, Boston Trust Corp is led by Chris Anderson, who has been lending on Massachusetts real estate since 1998. In those 28 years he has funded more than $1 billion in loans secured by real estate. He grew up in Dorchester, and we still lend in the neighborhoods we know.
Who a bridge loan is for
Bridge loans fit investors and businesses who have a clear way out of the loan but need money before that exit is ready:
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Buyers on a deadline. You've got a property under agreement and the seller won't wait for a bank.
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Owners facing a maturity. An existing loan is coming due and the permanent refinance isn't ready yet.
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Partners who need to split. One partner wants out, and the remaining owner needs capital to buy them out.
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Brokers whose client's deal is at risk because the financing is moving too slowly.
How our bridge loans work
Our bridge loans are short-term and interest-only, which keeps carrying costs predictable while you work toward the exit. Loan-to-value typically runs 70–75%. Loan sizes run from $100,000 to $5,000,000.
We lend on value, not purchase price. If you negotiated a good price, we won't hold it against you. When the deal supports 70% LTV, we can finance up to 100% of the purchase price, subject to underwriting.
Every bridge loan needs an exit, and that's what we spend the most time on. The usual exits are:
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a sale of the property,
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a refinance into permanent debt once the asset is ready, or
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the sale or refinance of another property you own.
Tell us which one is yours and how long it realistically takes. We'd rather size the loan to the real timeline than to the hopeful one.
Typical bridge loan uses
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Time-sensitive acquisitions. You close on the seller's schedule and refinance or sell on yours.
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Note payoffs and maturing debt. We pay off a loan that's due before it becomes a problem.
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Partner buyouts. You keep the property and settle the partnership.
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Repositioning. If the plan is to lease up and refinance a rental, see investment property loans.
If the plan includes a real renovation budget, a fix and flip loan with funded draws is usually a better fit. If you're building from the ground up, see our construction loans.
Recent Greater Boston closings include a $525,000 condo purchase in Stoneham (July 2026), underwritten in-house and funded with our own capital.
Why a direct lender matters on a bridge loan
We don't broker. We don't sell. We are the money. With a bridge loan, the one thing you can't afford is a lender who changes the terms or misses the date. That's why it matters who actually holds the money.
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Our own capital. When Boston Trust issues a commitment, we fund it from our own capital, with no outside investor approval.
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No committee. Decisions are made in-house by people who know Boston property values block by block.
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Written terms up front. Our written term sheet spells out the terms up front, so there are no surprises at closing.
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Tested through four market cycles. Chris has lent through the dot-com downturn, the 2008 financial crisis, COVID-19 and today's rate environment.
From application to closing
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Apply. Send the address and the story on our one-page application. You don't need documents for it, and we don't pull credit to apply.
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First call. You talk directly to a decision-maker. Most borrowers get a preliminary answer on that call.
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Written terms within 24 hours. You get a formal term sheet.
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Diligence. We review title, valuation and public records.
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Funding. We work to your closing date, and funds wire at the table. Most bridge loans close in 3–10 days.
Before you call, run the refinance math in the free Deal Analyzer. The Stabilize & Refi model shows takeout proceeds and how much cash you'd leave in the deal.
Bridge loan terms at a glance
TermBoston Trust Corp bridge loans
StructureShort-term, interest-only
Loan size$100,000 – $5,000,000
Loan-to-valueTypically 70–75%
Purchase financingUp to 100% of purchase price when the deal supports 70% LTV (subject to underwriting)
CollateralResidential & commercial
Typical useAcquisitions, maturing debt, note payoffs, partner buyouts
GeographyBoston and all of Massachusetts
Loan termShort-term, sized to your exit timeline
Interest rateQuoted per deal
Origination points / feesQuoted per deal
Term sheetIn writing, within 24 hours
ClosingClose in 3–10 days
All financing is subject to underwriting and credit approval. Terms are set individually for each transaction. Nothing on this page is a commitment to lend.
Bridge loan FAQ
How fast can a bridge loan close? Most bridge loans close in 3–10 days. We work to the closing date your transaction needs.
Are your bridge loans interest-only? Yes. Our bridge loans are structured as short-term, interest-only loans.
What exit strategies do you accept? The usual exits are a sale of the property or a refinance into permanent debt once the asset is ready. We underwrite the exit as carefully as the property itself.
Can you pay off a loan that's maturing with another lender? Yes. Maturing debt and note payoffs are among the most common uses of our bridge loans.
Do you only lend in Boston? No. We lend across Massachusetts. Boston and the surrounding neighborhoods are the market we know best.
Get terms on your deal
Send the address and the story. A decision-maker reads every one. Written terms within 24 hours.
Apply for a bridge loan · Call 617-752-7000
Boston Trust Corp · 100 Hallet Street, Dorchester, MA 02124
Other loan programs
Hard Money Loans · Fix and Flip Loans · Construction Loans · Investment Property Loans · Deal Analyzer