Call Now: 781-953-1668
Private/Hard Money Lending
and
Transactional Lending (Double Closings)
No Payments Until Loan Payoff
Empowering Real Estate Investors with Speed, Trust, and Opportunity
Fast Funding
No Income, No Tax Returns
Loans based on asset value,
not credit score
Direct Lender, No Middleman
Transparent Terms, No Hidden Fees
Transactional Lending
Double Closings
Contact Us Today
Types of Lending
Get Empowered
Fix and Flip Loans
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For investors buying distressed properties, renovating, and reselling quickly.
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Short-term (6–18 months)
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We often funds purchase + rehab costs with additional collateral.
Transactional Lending
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Very short-term loans (usually 1–3 days) used for double closings.
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The lender funds the first purchase so the investor can resell immediately.
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Repayment happens same day or within 24–48 hours.
Cash-Out Refinance
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For investors who want to pull equity out of a property they already own.
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Often used to fund another deal.
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May not require full seasoning (can be done shortly after acquisition, unlike banks).
Bridge Loans
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Temporary financing to "bridge the gap" between two transactions.
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Used when a buyer needs to close fast or reposition a property before refinancing with a traditional lender.
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Terms: 6–24 months.
New Construction
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For builders and developers with single-family or small multifamily projects.
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Draws released as work is completed.
Borrower Profile
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Real estate investors
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Flippers
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Builders/developers
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Self-employed borrowers
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Borrowers needing speed, flexibility, or non-bank solutions
About Us
At CommonwealthLending.com, we specialize in providing fast, reliable, and flexible hard money loans for real estate investors, developers, and entrepreneurs. Whether you're rehabbing a fix-and-flip, acquiring a rental property, or need quick capital for a time-sensitive deal, we are here to provide the funding you need—without the red tape of traditional banks.
With years of experience in real estate and private lending, we understand the challenges investors face. That's why we offer common-sense underwriting, asset-based lending, and quick closings—so you can move forward with confidence.
Our Mission
Our mission is to empower real estate investors with fast and reliable access to capital, helping them grow their portfolios and achieve financial success. We are committed to delivering smart lending solutions tailored to the needs of our clients, backed by exceptional service and local market expertise.
Our Values
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Integrity: We honor what we say we’ll do. Every time.
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Accountability: We take ownership of our decisions and stand by our commitments.
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Relationships: We view our clients as long-term partners, not one-time transactions.
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Innovation: We embrace creative financing solutions that help our clients succeed.
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Service: We are committed to being responsive, helpful, and accessible at every step.
Michael J. Richards, Esq., Principal
CommonwealthLending.com LLC
Why Choose Us?
CommonwealthLending.com LLC is a Private Mortgage/Hard Money Lender formerly known as Commonwealth Mortgage, LLC. Commonwealth has operated as a direct lender originating billions in mortgages since 2008 before transitioning into a Private Mortgage/Hard Money Lender.
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Speed: Approvals in as little as 24 hours and closings in days, not weeks.
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Flexibility: We underwrite based on the asset, not your credit score or income history.
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Experience: We bring decades of real estate and lending experience to the table.
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Transparency: No hidden fees. No surprises. Just straightforward terms and clear communication.
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Local Expertise: We understand the unique challenges and opportunities in your market.
CONTACT
CommonwealthLending.com LLC
OUR ADDRESS
3 Baldwin Green Common, Suite 209, Woburn, MA 01801
Email: info@commonwealthlending.com
Tel: 781-953-1668
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