Financing Built for Residential & Commercial Real Estate Properties
Fast, flexible, and creative funding solutions to acquire, renovate, build, and grow your portfolio — with no income verification and fast closings nationwide.
Why Investors Choose PCC
We specialize in residential investment properties and ground-up construction.
Residential Focused
We build long-term partnerships and support your growth
Relationship Based
Deep understanding of Southern New England markets and investors
Local Knowledge
Fast Decisions
We. move quickly so you can close on opportunities other lenders or banks can’t
About PCC
Providence Commercial Capital offers smart, private lending solutions for real estate investors nationwide.
As a direct hard money lender with 25+ years of experience, we move quickly — with no red tape. Whether you’re investing in single-family, multifamily, or mixed-use properties, we offer no-income-verification loans with terms from 12 to 24 months and amounts between $100K to $5M.
We’re not a bank — we’re private lenders who say yes when others say no.
As a correspondent lender, we also connect clients to long-term options, including:
• 30-year fixed loans
• Principal & interest terms
• Up to 75% LTV with credit scores as low as 600
Our Loan Solutions
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Hard Money Loans
A short-term, asset-backed financing option secured by real estate and funded by private investors or companies rather than traditional banks.
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DSCR Loans
A type of non-qualified mortgage (non-QM loan) used by real estate investors to buy or refinance rental properties based on the property's cash flow rather than personal income.
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Rehab / Fix & Flip Loans
A specialized loan designed for financing the renovation or rehabilitation of an existing property. Generally, has a term of 3 years or less.
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Private Lending
Private lending involves non-bank loans issued by individuals, family offices, or private funds that focus on asset value rather than traditional credit scores.
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Bridge Loans
A bridge loan is a short-term form of financing used to cover immediate cash needs or asset purchases before securing permanent long-term funding.
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Ground-Up Construction
Whether it’s new development or a major rehab, our construction loans offer flexibility and speed without income docs or delays.
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Mezzanine Loan
A hybrid form of financing that combines debt and equity features, usually secured by a subordinate lien on the equity interest of the borrower entity and typically used for acquisition, refinancing, or construction projects.
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Term Loan
A loan with a set repayment schedule and maturity date, generally used for long-term financing of more than five years and does not provide for the funding of construction advances.
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Small Balance Commercial Loan
A category of commercial real estate loans or properties characterized by smaller loan amounts, typically ranging from $1 million to $5 million.
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Commercial Loan
We offer commercial property loans with minimal documentation and tailored terms to keep your deal moving forward.
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Blanket/Portfolio Loan
A single loan that covers multiple properties, allowing borrowers to consolidate their debt under one mortgage.
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Residential Loans
Perfect for flips or long-term holds, our residential loans skip the paperwork so you can focus on the property—not the process.
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HELOC
A Home Equity Line of Credit (HELOC) can do much more than provide access to funds from your primary residence. (For informational purposes only.)*
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Tell Us About Your Project
Submit a quick loan request or call to discuss your goals.
How It Works
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Receive Your Financing Strategy
We review your deal and provide a customized financing solution.
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Close Quickly
We handle the details and close on your timeline
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Grow Your Portfolio
Use your capital to build wealth and create more opportunities.
