- Lending Across NH · ME · MA
Close Your Deal This Week, Not Next Quarter
We’re a local hard money lender that makes decisions in-house — no committees, no Wall Street approval chain. When you find a deal worth moving on, we move with you.
5 - 7
Close in 5-7 days
$37.5M+
Deployed 2025
77%
Repeat Borrowers
24 hrs
Term Sheet
In-House
All Decisions
12%
Interest Only
Zero
Prepayment Penalty
From Phone Call to Funded in Days
No 47-page application. No three-month underwriting cycle. Here’s how a deal actually moves with us.
01
→
Call or Apply
Tell us about the property and the deal. We'll give you an honest answer on the first call — not after a committee meeting.
02
→
Term Sheet
If the deal makes sense, you'll have a term sheet within 24 hours. Clear terms, no hidden fees, no surprises at closing.
03
→
Underwrite & Close
We verify the asset, confirm the numbers, and get to closing. Typical timeline: 5–10 business days from term sheet to funding.
04
Execute Your Plan
Rehab draws processed fast. Questions answered same-day. We stay in your corner until the project is done and the loan is paid off.
Built for Real Estate Investors, Not Banks
Every loan is asset-based and structured around your project — not your tax returns.
Fix & Flip
Purchase plus rehab funding for residential investment properties. Interest charged only on drawn funds — you don't pay for money sitting in a holdback.
Up to 12 months
Rehab draws included
Interest on balance only
New Construction
Ground-up funding for residential and commercial builds. We understand draw schedules, can move fast on land acquisition, and work directly with builders.
Land + vertical
Draw schedule
Builder-friendly
Bridge & Cross-Collateral
Short-term capital to bridge a gap — whether you're waiting on a sale, a refinance, or a longer-term takeout. Cross-collateralize multiple assets to increase your borrowing power.
Flexible terms
Multi-asset
Fast close
Simple Terms, No Surprises
12%
on outstanding balance
- Monthly interest-only payments — up to 12 months
- 1–2 points at closing, typical
- No prepayment penalty — pay off early, save on interest
- Interest charged only on drawn balance, not full commitment
- No junk fees, no application fees, no surprises
Complete a $500K flip in 6 months: your total interest cost is ~$30K plus points. No prepayment penalty — close faster, pay less.
Interest is only charged on funds you’ve actually drawn. The $250K rehab holdback costs you nothing until you use it.
The People Behind the Capital
You'll Know Our Names. We'll Know Your Deal.
We're not a call center. When you work with Cornerstone Commercial Capital, you work directly with decision-makers who live and invest in the same markets you do.
Jim Prieto
Treasurer
25+ years in mortgage and banking. Jim runs the day-to-day operations at Cornerstone and is responsible for deploying capital — making sure deals close smoothly and every dollar is where it needs to be. When he’s not at the office, he’s courtside with a racket or watching a match. He loves all things bulldogs.
Cory Hill
Vice President
Your first call and the person who evaluates your deal. Cory has done every side of the construction business — from framing single-family homes to building large-scale shopping centers — so when he underwrites your project, he’s looking at it with a builder’s eye, not just a lender’s spreadsheet. Off the clock, you’ll find him restoring antique cars, riding motorcycles, or playing guitar.
David “Doc” Wheeler
President
An active CPA with deep expertise in accounting and capital markets, Doc handles strategic oversight, compliance, and capital allocation at Cornerstone. He brings the same discipline to lending that he brought to coaching — 26 years leading Central Boys High School to multiple state championships. He still loves sports and the competitive mindset that comes with them.
Ready to Move?
Your Deal Won't Wait. Neither Will We.
Tell us about your project. We'll give you a straight answer — usually within a few hours, always within a day.
Or email us directly at loans@cornerstonecomcap.com