• Capital for people who actually build things.

    Hub Financing arranges construction, bridge, and rental debt for real estate developers and investors across the country. Send me the scenario. I'll tell you what it takes to fund it — usually the same day.

  • How It Works

    Four steps. Most sponsors get a real answer inside 24 hours.

    1

    Send the scenario

    Address, purchase price, budget, exit, and what you've built before. A napkin sketch is fine. No credit pull, no application fee, no commitment.

    2

    I tell you the truth

    What it funds at, what it costs, what's going to be a problem, and whether it's fundable at all. If the answer is no, you hear it on day one instead of week six.

    3

    We build the package

    I assemble the submission the way that lender's credit committee wants it. You get one checklist. Nothing gets requested twice.

    4

    Close

    I stay on the file through appraisal, title, and draw setup. When something breaks at 4:45 on a Friday, you have my cell.

  • Most deals don't die from bad numbers. They die from bad matching.

    You've got a 6-unit ground-up in Somerville, a 40B site in Dracut, a condo conversion with a permit window closing. So you start dialing. Bank one wants two years of stabilized operating history on a building that doesn't exist yet. Bank two says yes, then discovers your LLC is three months old. Lender three quotes you a rate on Tuesday and re-trades you Friday, eleven days before your P&S deadline.

    Six weeks gone. Deposit at risk. Still no term sheet.

    That's not a credit problem. That's a routing problem — the file went to lenders who were never going to fund it.

    I fix that by knowing, before you submit, which shops actually close your deal type at your leverage in your market. It's the difference between shopping a file and placing one.

  • Loan Programs

    One relationship. Every stage of the deal.

    Ground Up Construction

    Dirt to certificate of occupancy. Spec homes, townhomes, small multifamily, and mid-size subdivisions.

    ✔ Up to 90% LTC / 75% LTARV

    ✔ 100% of the construction budget financed

    ✔ Interest reserve available

    ✔ Draws funded in 1 business day

    Bridge Loans

    Fast, flexible short-term debt when the timeline won't wait for a bank.

    ✔ Purchase, cash-out, refinance, or rehab

    ✔ Any investment property type considered

    ✔ Up to 80% LTV

    ✔ Close in as little as 10 days

    Fix & Flip

    Acquisition plus rehab in a single facility for value-add residential.

    ✔ 90% of purchase, 100% of rehab

    ✔ First-time and repeat sponsors

    ✔ 12-24 month terms

    ✔ No prepayment penalty

    Rental & DSCR

    30-year debt on stabilized income property, qualified on the asset — not your tax returns.

    ✔ No W-2, no DTI, no personal income docs

    ✔ SFR, 2–4 unit, and small multifamily

    ✔ Short-term and seasonal rentals eligible

    ✔ 80% LTV purchase / 75% cash-out

    Multifamily & Mixed-Use

    Bridge, value-add, and permanent debt on 5+ unit and commercial mixed-use.

    ✔ $1M–$50M+

    ✔ Agency, bank, debt fund, and life co execution

    ✔ Lease-up and stabilization bridge

    ✔ Non-recourse available on qualifying deals

    Condo Conversion & ADUs

    The financing most lenders won't touch — because most lenders don't understand the entitlement risk.

    ✔ 2–4 unit and small building conversions

    ✔ Financing through master deed recording

    ✔ Release-price structures for unit sell-off

    ✔ Massachusetts conversion ordinances handled in-house

    Land & Development

    Acquisition, entitlement, and horizontal development capital.

    ✔ Entitled and pre-entitled land

    ✔ Subdivision and lot development

    ✔ Release-price structures for unit sell-off

    ✔ Massachusetts conversion ordinances handled in-house

  • Verified Closings

    Publicly reported. Independently verified. View all closings on Traded

    $10,000,000 — Multifamily Acquisition Bridge

    12 Hancock Street & 64 Revere Street · Beacon Hill, Boston, MA Lender: Stormfield Capital · $810/SF Bridge financing for a multifamily acquisition in one of Boston's tightest submarkets.

    $8,900,000 — Multifamily Bridge

    66 Myrtle Street & 47 West Cedar Street · Beacon Hill, Boston, MA Lender: Stormfield Capital · $693/SF

    $6,050,000 — Multifamily Refinance

    175 Western Avenue · Cambridge, MA Lender: Spectra Lending (John Brakatselos) · $685/SF

    $2,190,000 — Fix & Flip

    89 Third Street · Cambridge, MA Lender: QS Private Lending, LLC · $730/SF

    $1,720,000 — Mixed-Use

    315–321 Union Street · Rockland, MA Lender: RF Boston (Michael Garrity) · $138/SF

  • Tell me about your deal.

    No application. No credit pull. No pitch.

    Send the address, the budget, and what you're trying to do. I'll tell you today whether it's fundable, what it'll cost, and where it should go.

    Or call (978)417-9325

    Monday–Friday, 8am–6pm EST. Text is fine.

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