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Hard Money Loans in Albany, NY

Direct, asset-based capital for Capital Region real estate investors. Secure the leverage you need for fix-and-flips, rentals, and new construction with 7–14 day closings.
  • Capital Region Market Expertise
  • Fast Decisions
  • Reliable Funding
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Direct Private Lending for the Capital District

Albany and the surrounding Capital Region offer a unique mix of stability and growth. With a steady demand for workforce housing and a competitive inventory landscape, investors need a partner who understands the local regulatory and appraisal environment. Mako Loans provides the hard money Albany investors need to secure deals in Troy, Schenectady, and Saratoga. We focus on your project’s After-Repair Value (ARV), providing the liquidity needed to compete with cash buyers.
Economic Stability

Large-scale government and healthcare employment provides a consistent tenant base.

Tech Valley Growth

Ongoing expansion in the semiconductor and tech sectors drives demand for residential renovations.

Strong Multifamily Returns

Diverse opportunities for 2-4 unit value-add plays in established urban neighborhoods.

Your Funding Partner
What We Fund in Central New York

We provide specialized capital for the most common Syracuse investment strategies

Fix & Flip Loans

Short-term financing for investors buying, renovating, and reselling properties.

New Construction

Ground-up construction loans for builders developing single-family and multi-family projects.

BRRRR Loans​

Buy, Rehab, Rent, Refinance, Repeat strategy loans for building rental portfolios.​​

Rehab Loans​​

Renovation financing for investors improving distressed properties in our local market.

Commercial Bridge​​

Short‑term commercial property acquisition and repositioning loans designed for speed and flexibility.

Other projects?​​

Not sure what fits? Tell us about your deal, our experts will point you in the right direction.

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Albany-Specific Underwriting

We understand the local block-by-block dynamics of the Tri-City area. Our team is comfortable with:

Urban Revitalization

We lend on historic and urban properties in Center Square, Troy’s Waterfront, and Schenectady’s Stockade District.

Saratoga Seasonality

We understand the unique valuation and rental dynamics of the Saratoga Springs market.

Diverse Housing Stock

From brownstones to suburban ranch-style homes, we know how to value 80+ year-old Capital Region assets.

Regional Expansion

Active funding in Colonie, Bethlehem, Guilderland, and East Greenbush.

From Inquiry to Funding in 3 Simple Steps

01

Quick Inquiry

Tell us about the Albany property and your plan. Complete our brief application form in just a few minutes.

02

Rapid Underwriting

We handle valuation and diligence in-house. We focus on the "As-Is" and "After-Repair" potential of the asset without bank red tape.

03

Fast Closing

Once title and insurance are cleared, we move to the closing table. Funds are typically received in 7–14 days.

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Frequently Asked Questions
Yes. We provide hard money throughout the entire Capital Region, including Albany, Rensselaer, and Schenectady counties.
Yes. All Mako Loans are commercial-purpose and must be closed in a business entity (LLC, Corp, or Trust).
Our minimum loan size is $100,000.
No. As an asset-based lender, we do not require personal income verification or tax returns to qualify the deal.
No. As an asset-based lender, we do not require personal income verification or tax returns to qualify the deal.
Draws are milestone-based. Once a stage of work is completed, we verify the progress and release the funds to your LLC.

Albany NY

Secure Your Albany Funding
Tell us about your next project. Our Capital Region underwriters will review your scenario and provide a preliminary quote within one business day.

Apply in minutes

60-second form: name, property, budget, timeline.

What We Fund

$100k+ hard money loans • New York & Massachusetts

Get Terms Fast

Deals reviewed and proof of funds sent quicky.

Funds at Closing

We coordinate title/attorney—funds wired once cleared.

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Need Fast Funding?

Get Pre-Qualified Now