Your Reliable Real Estate Investment Lender

Are you looking for a direct hard money lender for your next real estate acquisition? Do you need to apply for a hard money loan for your upcoming real estate or business project? Consider DeNovus Capital. We are a private lender offering fast, flexible and customized real estate loans for first and second mortgages in Massachusetts and nearby areas.

Fast Closing. Low Rates. Flexible Terms Customized to Your Confidential Transaction.

LTV 55% and Under 8%-11% 1-2 Points
LTV 55%- 65% 9% -12% 2-3 Points
LTV 65%-75% 10%-13.5% 2-4 Points
Purchase agreement document for filling and signing on desk

Clients We Work With






Real Estate Investors

*N.B. Commercial Credit Borrowers Only. Investment Affidavit Required. Non-Owner-Occupied Borrowers.

About Our Team

We have experience in real estate renovation construction, new construction, real estate planning, real estate risk management, and loan servicing. Currently, we are looking to extend private loans to clients such as developers, builders, contractors, owners, and operators in need of capital for fast acquisitions, refinancing, and recapitalizations.

Mission Statement

We aim to provide fast and flexible funding to professional real estate investors that are under contract to buy, fix, and sell real estate.

Why Choose Us

  • Closing in 10 Days
  • Fair Market Rates
  • Flexible Terms Based on LTV of
  • Real Estate Asset
  • Real Estate Brokers Are Protected
  • Same-Day Loan Decision

How We Work

The role of private money and private capital is becoming more important in the real estate marketplace. Many real estate small businesses rely on private direct money lending more than ever before. This is why the biggest issue for private lending is locating quality transactions on a consistent basis.

At DeNovus Capital, we focus on the collateral value of the underlying real estate, not the credit history of the borrower. We are actively interested in funding your next transaction and would welcome your application for a private money commitment. Compared to most commercial lenders, we do not hold the loans on our clients’ balance sheet. We are a portfolio lender that focuses on quality real estate transactions.

Collateral-based real estate loans are based on the assets’ underlying value. We understand the objectives of borrowers and assist in structuring terms that are fair and fast so you can close your deal and lock in your position. Additionally, we extend and execute confidentiality agreements with all our borrowers to ensure your deal is discrete. We enjoy analyzing and understanding each investor’s real estate opportunity and strive to bring value to you as our client. This is how we form reliable partnerships.

Direct Hard Money Lender in Massachusetts

We are actively interested in first position mortgages. Unlike most hard money lenders, we are not an arbitrage lender who sells the loans to hedge funds and financial institutions. We look to hold the loan for a coupon and build relationships directly with the borrower. In our opinion, when the loan is sold to another institution, the quality of the underwriting standards declines and the borrower loses the direct relationship with the lender, thereby eliminating the benefit of a direct lending relationship. Repositioning or improving the real estate asset creates the real value.

Short-Term Private and Hard Money Are Great for Your Real Estate Transaction

We understand that when you’re looking to close a transaction, time is of the essence. You want to lock in your profits and protect your timeline to honor your purchase and sale agreement timeline obligations for performance. We also understand that your price agreement with the seller needs to remain confidential and secure and that your deal should be closed reliably on time.

The coordination among the client, attorney, seller, and lender is an important aspect of every transaction but is often neglected. For this reason, you need a private lender that understands your objectives not just with one acquisition, but the objectives of your overall portfolio. Private money lenders like DeNovus Capital should be a valuable resource for your short-term collateral pledged real estate as a security interest.

Transactions involving commercial loan officers, commercial mortgage brokers, and banks often have differing processes. Transactions with these parties can often move slowly and involve strict procedures for disbursement of your project renovation or new construction funds. Banks and commercial institutions may offer low interest rates, but the interest rate is only one small factor in borrowing money. We understand that seasoned real estate veterans like our clients value their time, and as they say, “time is money.”


Loans We Offer

Residential and commercial property investors as well as non-owner-occupied borrowers can apply for the following loans:

Commercial Property

First Mortgage



Renovation Loan

Private Money Construction Loan in Massachusetts

Are you interested in collateral real estate or a construction loan? We lend private money on first mortgage acquisition and construction loans to investors, builders, developers, and contractors.

The first draw under a construction loan typically will cover closing costs and the purchase price of your lot. We lend seventy percent of the value of projects like this.

If your project includes approved building plans, we would determine a loan value based on the number of units approved post appellate period expiration, the living area, the location, and the current debt on the real estate. Advances under a construction loan are usually not made directly to the borrower. Instead, as a private lender, we typically fund the draws directly to the builder or others that need to be paid to help ensure the project moves along smoothly without third party payment non-payment claims. Converting a multifamily building into condominiums is also a very common practice using private money in addition to a standard hard money purchase of a single-family “fix and flip” project.

Service Areas

We serve clients in Massachusetts and nearby areas, with a focus on:


New England

Cape Cod


Martha’s Vineyard


South Shore

Get the Funding You Need for Your Real Estate Project

All communication is kept confidential and a non disclosure agreement will be executed.