Ground-up construction loans for builders and investors developing new properties in Massachusetts. Finance up to 85% of your land purchase and 85% of construction costs on a single loan. Rates from 10%, non-Dutch interest, and land doesn't need to be permitted to qualify. Loans $100K to $7.5M.
SLA Capital — a Sir Lends A Lot LLC Company
A new construction loan is short-term financing for building a property from the ground up. It typically covers land acquisition, vertical construction, and an interest reserve on a single loan, with construction funds disbursed via draws as the build progresses through inspection milestones. Once construction is complete, the loan is paid off through a sale of the finished property or refinanced into long-term financing.
Massachusetts pairs premium Boston-metro appreciation plays with cash-flow secondaries (Springfield, Worcester, Fall River, New Bedford). Biotech + tech employer depth is unmatched. Universities anchor rental demand across every metro.
Kendall Square, the Longwood Medical Area, and Route 128 anchor the deepest biotech and tech employer bases in the country outside Silicon Valley. Rental demand stays premium.
Boston metro hosts more universities per capita than any US metro. Cambridge, Boston University, Northeastern, and dozens more anchor consistent student and post-grad rental demand.
Springfield, Worcester, New Bedford, and Fall River offer real cash-on-cash yields — the yield markets New England investors use to balance premium Boston-metro appreciation plays.
Whether you're closing a single-asset SFR in a smaller Massachusetts market or a portfolio in a major metro, we're active statewide. High-volume markets we regularly close in include:
Suffolk + Middlesex counties — premium LTR
Worcester County — Central Massachusetts SFR
Hampden County — Western MA + cash-flow markets
Merrimack Valley — Boston-adjacent cash-flow
Barnstable County — coastal STR corridor
South Coast — high-yield SFR
MetroWest Boston commuter suburbs
Statewide coverage — send us any Massachusetts property
Same nationwide program, no state-specific surcharges.
Up-front pricing on every loan. The rate you're quoted is the rate you close at — no surprises at the closing table.
Up to 85% of the land purchase price plus 85% of construction costs. High leverage that keeps your capital deployable.
Pay interest only on the funds you've actually drawn, not on the undrawn balance. Keeps carrying costs down during early build phases.
Choose the term that fits your build schedule. Straightforward extensions available on active projects.
Land does not need to be permitted or warranted before loan approval. Get under contract and permit in parallel.
From single infill lots to multi-unit projects across Massachusetts. Same clean underwriting from starter builds up to $7.5M.
Yes. SLA Capital funds New Construction loans throughout Massachusetts — Boston Metro, Worcester, Springfield, Lowell & Lawrence, Cape Cod, and every other MA metro. Rates from 10%, up to 85% land + 85% construction.
SLA Capital finances up to 85% of the land purchase plus 85% of construction costs in Massachusetts. Loans range from $100,000 to $7,500,000.
No. SLA Capital does not require the land to be permitted or warranted before loan approval. Get under contract and start underwriting in parallel with permitting.
Non-Dutch interest — borrowers pay interest only on funds that have been drawn, not on the undrawn balance. This keeps carrying costs down during early build phases when most of the loan hasn't been disbursed yet.
Massachusetts pairs premium Boston-metro appreciation plays with cash-flow secondaries (Springfield, Worcester, Fall River, New Bedford). Biotech + tech employer depth is unmatched. Universities anchor rental demand across every metro.
Send us the property. Our sizer returns a real term sheet in minutes.
Long-term rental financing for Massachusetts investors. Rates from 5.75%, up to 80% LTV, 3-month seasoning on cash-outs.
Short-term purchase + rehab financing across every Massachusetts metro. Rates 9.5–12%. Up to 100% LTC for premier borrowers.