01
Bridge Loans
Short-term financing for acquisitions, transitions, refinances, and time-sensitive opportunities.
Direct Private Lending. Real Estate Focused.
Flexible Capital for New England Real Estate Investors.
Safe Harbor Funding is a direct private lender providing real estate financing from $100,000 to $3,000,000. Borrowers work directly with our decision-makers—not brokers—from the initial conversation through underwriting and closing. We evaluate the property directly, with no traditional third-party appraisal or appraisal fee, and no hidden underwriting fees.
Direct lender—not a broker
Direct access to decision-makers
No third-party appraisal or appraisal fee
No hidden underwriting fees
$100K–$3M
Typical Loan Size
Direct
Decision-Maker Access
No Appraisal Fee
Property Evaluated Directly by SHF
Upfront Costs
No Hidden Underwriting Fees
Loan Programs
Capital built around the deal.
SHF works with real estate investors who need speed, certainty, and a practical lending partner.
02
Fix & Flip Financing
Capital for purchase and renovation projects where execution speed and flexibility matter.
03
Investment Property Loans
Financing for rental, mixed-use, multifamily, and investor-owned real estate opportunities.
04
Cash-Out & Refinance
Unlock equity or restructure capital on eligible commercial and investment real estate assets.
Why SHF
Direct lending built around relationships.
Safe Harbor Funding is a direct private lender—not a brokerage. That means borrowers communicate directly with the people evaluating the transaction and making lending decisions. From the initial conversation through underwriting and closing, you work with one responsive team that understands your property, your business plan, and your timeline.
Direct Access to Decision-Makers
Speak directly with the people reviewing and approving your loan—not an intermediary passing information between parties.
Relationship-Driven Lending
We take the time to understand the borrower, the property, the opportunity, and the long-term relationship—not simply one transaction.
Direct Property Evaluation
We evaluate the property directly as part of our underwriting. There is no traditional third-party appraisal and no appraisal fee charged to the borrower.
Transparent Loan Costs
Our lending costs are communicated clearly up front, with no hidden underwriting fees added later in the process.
Practical Underwriting
Every deal is different. We evaluate the collateral, borrower experience, business plan, and exit strategy to determine whether the transaction makes sense.
Clear Communication
You receive straightforward feedback about what works, what does not, what documentation is required, and what is needed to reach closing.
Our Process
Simple. Transparent. Efficient.
1
Submit Inquiry
Tell us about the property, loan request, timeline, and use of funds.
2
Direct Deal Review
Work directly with our decision-makers as we evaluate the property, borrower experience, business plan, and exit strategy—without a traditional third-party appraisal or appraisal fee.
3
Clear Terms
If the loan fits, we provide clear terms, disclose our lending costs up front, and outline the documentation needed to close—without hidden underwriting fees.
4
Close and Build the Relationship
Work with the same responsive lending team through documentation and closing, with a focus on becoming a reliable capital partner for future opportunities.
Markets Served
Lending throughout New England.
SHF considers private lending opportunities across Massachusetts and the broader New England region, including bridge, fix & flip, rental, multifamily, mixed-use, and other investor-focused real estate transactions.
Start a Loan Inquiry
Tell us about your deal.
Complete the short inquiry form and our team will review the request. You can also call (978) 494-3600 or email info@shfunding.com.
Safe Harbor Funding
2 Dundee Park Drive, Suite 202A
Andover, MA 01810
Ready to discuss a deal?