Massachusetts has one of the nation’s most resilient commercial real estate markets, anchored by Boston’s world-class concentrations of healthcare, biotech, education, and financial services. Cambridge’s life sciences corridor commands some of the highest office and lab rents in the country, while Western Massachusetts offers significantly more affordable acquisition opportunities for investors.
Commercial Loans of Texas is a direct lender headquartered in Magnolia, TX, serving Massachusetts and 43 other states nationwide. We make our own credit decisions — no broker, no middleman, no surprises at closing. Our borrowers in Massachusetts typically close in 5–15 business days.
Commercial Loan Programs Available in Massachusetts
We offer every major commercial loan program in Massachusetts, from fast hard money loans to long-term 30-year fixed financing. Most programs require no tax returns and no upfront fees.
- Hard Money Loans — Asset-based lending up to 70% LTV. No income docs. Close in 5–10 business days. Ideal for acquisitions, fix-and-flip, and value-add commercial properties in Massachusetts.
- DSCR Loans — Qualify on the property’s rental income, not your W-2 or tax returns. Great for investment properties and landlords across Massachusetts.
- Stated Income Commercial Loans — No tax returns required on most programs. Built for self-employed borrowers, business owners, and investors in Massachusetts.
- SBA 7(a) and SBA 504 Loans — Government-backed financing for owner-occupied commercial real estate and business acquisitions. Available statewide in Massachusetts.
- Bridge Loans — Short-term capital to close quickly while permanent financing is arranged. Common in competitive Massachusetts markets.
- Construction Loans — Ground-up construction and major renovation financing for commercial projects throughout Massachusetts.
- Multifamily Loans — 5+ unit apartment financing with competitive rates, available in every market in Massachusetts.
- 30-Year Fixed Commercial Loans — Long-term, fixed-rate commercial financing for stabilized investment properties.
Property Types We Finance in Massachusetts
- Office buildings and medical office
- Retail strip centers and single-tenant NNN properties
- Industrial, warehouse, and flex space
- Multifamily (5+ units) and mixed-use buildings
- Self-storage facilities
- Hotels, motels, and short-term rental properties
- Church and faith-based properties
- Special use and non-warrantable properties
- Land and ground-up development
Loan Terms for Massachusetts Borrowers
| Feature | Details |
|---|---|
| Loan Amounts | $150,000 – $5,000,000+ |
| Max LTV | Up to 70–75% depending on program |
| Loan Term | 12 months to 30 years |
| Income Docs | None required on most programs |
| Min Credit Score | 600+ (some programs lower) |
| Closing Time | 5–15 business days typical |
| Upfront Fees | None |
| States | 43 states including Massachusetts |
Cities We Serve in Massachusetts
We lend on commercial properties throughout Massachusetts, including Boston, Worcester, Springfield, Cambridge, Lowell. If the property is in Massachusetts — urban, suburban, or rural — we can structure a loan for it. Contact us for a same-day quote regardless of location within the state.
Why Massachusetts Borrowers Choose Us Over Local Banks
Local banks in Massachusetts are often slow, require mountains of documentation, and reject borrowers who don’t fit a narrow qualification box. We work differently.
- Direct lender since 1998 — We fund our own loans. No brokers, no referral fees passed to you, no committee approval delays.
- Same-day response — Submit your deal and hear back from a decision maker within hours, not days or weeks.
- No upfront fees — We never charge application fees, processing fees, or due diligence fees before closing.
- No tax returns on most programs — We qualify based on the asset and its income, not your personal tax history.
- Fast closings — Most Massachusetts commercial loans close in 5–15 business days from application to funding.
- Common-sense underwriting — We look at the deal, not just the borrower’s credit file. If the property makes sense, we find a way to fund it.
Frequently Asked Questions — Commercial Loans in Massachusetts
Do I need a Massachusetts business entity to get a commercial loan?
No. You can borrow as an individual, LLC, corporation, or partnership. Most investors use an LLC for liability protection, but it is not required to qualify. We lend to all entity types in Massachusetts.
How fast can you close a commercial loan in Massachusetts?
Most Massachusetts commercial loans close in 5–15 business days from application to funding, depending on the program and how quickly the appraisal is completed. Hard money loans can sometimes close in as little as 5 business days. We provide a same-day term sheet so you know exactly where you stand.
What Commercial Loan Programs Are Most Popular in Massachusetts?
Bridge and hard money loans are popular in Boston and Cambridge for fast acquisitions in highly competitive markets. DSCR loans are widely used for Massachusetts multifamily investors across Boston, Worcester, and Springfield. Stated income programs are ideal for the state’s large population of self-employed professionals and entrepreneurs.
What is the minimum loan amount for commercial loans in Massachusetts?
Our minimum loan amount is $150,000 for commercial properties in Massachusetts. There is no maximum — we have closed loans well above $5 million. For deals under $150,000, we can sometimes make exceptions depending on the property type and location.
Ready to get a commercial loan in Massachusetts? Apply online here or call us at 877-895-3634. Same-day response, no credit pull, no upfront fees. We have been closing commercial loans since 1998 and we know how to get difficult deals done.
Commercial Loans by City in Massachusetts
We lend in every market in Massachusetts. Here is an overview of our activity in the state’s major commercial real estate markets.
Commercial Loans in Boston, Massachusetts
Boston is one of the nation’s premier commercial real estate markets, anchored by world-class concentrations of healthcare, biotech, education, and financial services. The Seaport District, Back Bay, and Cambridge’s Kendall Square are among the most sought-after commercial submarkets in the country. Hard money and bridge loans are critical for fast closings in Boston’s highly competitive market.
Commercial Loans in Worcester, Massachusetts
Worcester is Massachusetts’s second city and an increasingly attractive commercial market, with demand anchored by a massive healthcare and university cluster. Multifamily investment has accelerated as investors seek more affordable alternatives to Boston. DSCR and bridge loans are popular for Worcester’s active investor community.
Commercial Loans in Springfield, Massachusetts
Springfield, Missouri is a regional commercial hub anchored by Missouri State University, a major Bass Pro Shops headquarters, and a growing healthcare sector. Multifamily and retail demand are consistently strong given the large university population. SBA and DSCR loans are popular for Springfield’s diverse borrower community.
Commercial Loans in Cambridge, Massachusetts
Cambridge is home to Harvard, MIT, and one of the world’s leading biotech and life sciences clusters. Lab and office space here commands some of the highest rents in the nation. Hard money and bridge loans are essential for the rare acquisition opportunities that arise in this intensely competitive market.
Commercial Loans in Lowell, Massachusetts
Lowell is one of Massachusetts’s key commercial markets with consistent demand for multifamily, retail, and industrial properties. We offer all commercial loan programs in Lowell with same-day responses and no upfront fees.