Short-Term Real Estate Investment Loans


Fast Execution - Competitive Rates - No Underwriting Fees

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Fix and Flip Loans
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Construction Loans
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Commercial Bridge Loans
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Cutter Hill Capital is a direct real estate hard money lender.
We offer a reliable funding source for short-term real estate investment projects in the greater New England region and select national markets.

Our company prides itself on being able to provide financing to a wide variety of real estate investors by creatively structuring loans to meet the needs of the borrower.

We exercise discipline in our business practices and remain resolute in our commitment to innovate and grow as a leader in our industry and community.

Loan transactions

and counting

Interest rates as low as

Recently Funded Projects

Cutter Hill Capital Funded Projects Portfolio

Why Choose Cutter Hill Capital for Hard Money Loans

Our company has built a loan platform that intends to address the pain points that real estate investors experience when seeking short-term financing for their investment projects. 

In addition to providing discretionary private capital that allows us to consider unique and creative loan structures to meet your financing needs, here are a few more reasons CHC is a smart choice:

Personalized Service

A single point of contact during the entire loan process

Attractive Rates

Favorable terms with NO underwriting or processing fees.

Quick Closings

Streamlined underwriting and approval process.

Questions Answered

Learn more about our services, types of loans, rates and more by visiting our Frequently Asked Questions page for additional information.


Cutter Hill Capital is looking for the right candidate to join our team! Currently hiring for Underwriting Analyst - Paid Internship

Client Testimonials


As a professional real estate investor, I have borrowed from dozens of lenders. Randy Winters and Cutter Hill Capital are great to work with. We have clear communication and we never have added time delays from getting passed from department to department. CHC has fair rates and allows us to always close on time!  ~ Janelle – Tampa, FL


We have used Cutter Hill Capital on multiple projects.  CHC shares a similar business philosophy with a focus on building a lasting, mutually beneficial relationships.  We value his feedback, appreciate the easy and streamlined process. CHC has acted as a sanity check on deals we are looking at.”  ~ Bud – Tyngsboro, MA

Working with a hard money lender in the past was always frustrating when it came to service and responsiveness.  As a result I always hesitated to use it.  Cutter Hill Capital completely changed my opinion of hard money lending.  Instead of being a lender they became a valuable partner to us.  There is a big difference when you are working with someone who has your best interests in mind.” ~ PJ – Hingham, MA

Hard Money Loans Simplified

Cutter Hill Capital recognizes the importance of timing in the lending process.  As a result, we review all loan requests internally with no appraisal requirements.  This process allows for expedited approvals and closings.  Additionally, working with discretionary capital keeps the documentation requirements to a minimum. Make Cutter Hill Capital your go-to hard money lenders.

Community Involvement

Cutter Hill Capital believes in giving back.

As part of our company culture, we are actively involved in helping out where we can. We are proud to work with the following local foundations and organizations:

Sibling Connections

South Shore Hospital

NVNA Hospice

St. John the Evangelist Church

Hingham Historical Society

Hingham Maritime Center

Trustee – Hingham Affordable Housing Trust

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