Need fast funding?

Get Pre-Qualified Now

Instagram Facebook
Get Funded

Mako Loans — A Direct Private Money Mortgage Lender Since 2006

Direct private lending for investment properties. Fast decisions, local underwriting, and rehab funds via draws—so you can move deals from offer to exit on schedule.
Get Funded

19+

Who We Are

Mako Loans is a direct private money mortgage lender specializing in short-term bridge loans and asset-based financing for real estate investors. Founded in 2006 and headquartered in Albany, New York, we’ve spent nearly two decades building one of the most trusted private lending operations in the Northeast — growing from our roots in Eastern New York and Western Massachusetts to an expanding footprint across Pennsylvania and New Jersey.
We fund fix-and-flip loans, bridge loans, DSCR rental loans, rehab loans, new construction, and commercial bridge transactions — exclusively for non-owner-occupied investment properties, secured by a first position lien. We do not lend to owner-occupants. Every dollar we deploy goes toward helping real estate investors move faster, build smarter, and scale their portfolios.
We’re not a bank. We’re not a mortgage company pushing volume through a call center. We’re a team of real estate operators, underwriters, and lenders who built this company around one idea: investors deserve a funding partner who moves as fast as they do. Our team is available 24/7 — because deals don’t wait for business hours.
Projects Funded
0 +
Capital Deployed
$ 0 M+

24/7

Team Availability

Projects Funded
2006

How Our Private Money Loans Work

As a direct private money mortgage lender, we evaluate deals based on the asset — not the borrower’s tax returns or W-2s. We look at the property’s current As-Is value, its After-Repair value, and the strength of your exit strategy. That asset-based approach is what lets us move faster, approve more deals, and serve a broader range of investors than traditional lenders ever could.
All loans are secured by a first position lien on the investment property. We fund cash closings on investment properties exclusively — no owner-occupied residential lending, no exceptions.

Direct Access to Decision Makers

When you call Mako Loans, you reach the people who can actually say yes. No phone trees, no account managers relaying messages. Direct access to underwriters and decision makers — 24/7.

Local Market Knowledge

We’ve operated in Eastern New York and Western Massachusetts since 2006, expanding into Greater Philadelphia and South Jersey, with deep knowledge of property values, renovation costs, and market conditions.

Relationship Over Transaction

Many of our borrowers close multiple deals with us. We understand their strategies, timelines, and needs — building stronger relationships with every closing.

Transparent Terms

No surprise fees at closing. No hidden points buried in the fine print. Your term sheet shows exactly what you’re getting — rate, costs, draw structure, and timeline. Every time.

Why We Built Mako Loans

Real estate investment is one of the most powerful tools for building long-term wealth — but only if you can move when the deal is in front of you. Traditional banks are too slow, too rigid, and too disconnected from the realities of investment real estate. We built Mako Loans in 2006 to fix that — and nearly two decades later, that mission hasn’t changed.

Our focus is straightforward: provide fast, reliable, asset-based bridge loans and private money financing to the investors, builders, and developers doing the hard work of improving communities across the markets we serve. Every rowhome we help flip, every rental we help stabilize, and every new construction project we help get off the ground contributes to something bigger than a single transaction. We take that seriously — and have for 19 years.

Our Private Lending Markets

Mako Loans has been a direct private money lender in Eastern New York and Western Massachusetts since 2006. We’ve since expanded our hard money and bridge loan programs across Pennsylvania and New Jersey, with continued growth planned across the Northeast and Mid-Atlantic.

New York - Home Market Since 2006

Albany, Syracuse, Rochester, Hudson Valley, and Western New York — with coverage across the Capital Region, Central NY, and beyond.

Massachusetts - Established Since 2006

Western Massachusetts and the Berkshires, with coverage extending across the state.

Pennsylvania - Greater Philadelphia

Serving Philadelphia, Montgomery, Delaware, Chester, Bucks, and Lehigh counties with hard money, fix-and-flip, and DSCR loans.

New Jersey -
South Jersey

Camden, Burlington, and Gloucester counties as priority markets, plus Atlantic and Cape May counties. Full New Jersey coverage available.

Expanding
Markets

We’re actively growing our direct private lending footprint into new markets across the Northeast and Mid-Atlantic. If your deal is outside our current coverage area, reach out — we may still be able to help.

Fast-Growing
Coverage Areas

We continue expanding into new cities and counties to support growing investor demand across the Northeast and Mid-Atlantic. Contact us to confirm availability in your area.

Why Local Investors Choose Mako Loans

We’re not just another lender, we’re your hometown partners in real estate success.

Direct Private Lender, No Middleman

We’re the lender, the underwriter, and the decision maker. No brokers, no third-party approvals, no delays from parties outside our control.

Operating
Since 2006

Nearly two decades of private money lending across some of the most competitive real estate markets in the Northeast. We’ve seen market cycles, navigated downturns, and funded through all of it.

Local Market
Experts

Our team brings over 100 years of collective experience as investors, lenders, and property managers across every market we serve.

Investor Network

Access deals, contractors, partnerships and opportunities you won't find elsewhere.

24/7 Availability

Deals don’t wait for business hours and neither do we. Our team is available around the clock to discuss your deal, review your application, and move your loan forward.

Proven Track Record

1,200+ projects funded and $235M+ deployed — one deal at a time, across nearly two decades of direct private lending.

Your Funding Partner
What Can We Fund For You?

Fast, flexible financing solutions for builders, flippers, and real estate investors in our local market. We know the business because we live it.

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.

Get Funded

WORK WITH US

Ready to Work With a Direct Private Lender Who Gets It?

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.

Scroll to Top

Need Fast Funding?

Get Pre-Qualified Now