Business Banking

Commercial Real Estate Financing in Boston & Eastern Massachusetts

Local Lending Solutions for Commercial Real Estate Investors and Developers

Whether you’re purchasing, refinancing, renovating, or developing commercial property, The Cooperative Bank (TCB) provides commercial real estate financing tailored to your goals.

As a local Massachusetts bank with deep roots in the Greater Boston market, we understand the unique challenges and opportunities facing commercial property owners, investors, and developers throughout Boston, the South Shore, MetroWest, and Eastern Massachusetts.

Our experienced commercial lending team works directly with you to structure financing solutions that support your project timeline, cash flow needs, and long-term investment strategy.

Commercial Real Estate Loans
Built Around Your Project

No two properties—or borrowers—are exactly alike. That’s why we take a relationship-first approach to commercial real estate lending.

TCB offers financing for:

  • Single-family homes for sale
  • Ground-up construction projects
  • Mixed-use developments
  • Multifamily properties
  • Industrial and warehouse facilities
  • Owner-occupied commercial real estate
  • Investment properties
  • Retail properties
  • Property acquisitions and refinancing

Because decisions are made locally, you’ll work with experienced lenders who understand the Boston-area real estate market and can respond quickly when opportunities arise.

Construction and Development Financing

For developers and investors, timing can make or break a deal.

TCB provides construction financing solutions designed to help keep projects moving forward. Our team understands the realities of today’s development environment, including rising construction costs, tight timelines, and complex project requirements.

We work closely with borrowers to provide:

  • Bridge loan acquisitions
  • Construction loans
  • Flexible loan-to-cost structures
  • Interest reserve options
  • Streamlined underwriting
  • Direct access to lending decision-makers

From small and midsize developments to mixed-use projects, we help clients navigate every stage of the construction process with confidence.

TCB employee working with commercial real estate customer

A Local Bank That Understands the
Boston Market

Our team understands the permitting environment, development landscape, and market conditions across Greater Boston and Eastern Massachusetts. This insight allows us to move efficiently and structure financing solutions that align with real-world project timelines.

When opportunities are time-sensitive, having a local banking partner can make all the difference.

Recent Commercial Projects

An experienced developer approached TCB with a time-sensitive opportunity to acquire land for a ground-up mixed-use development in the Boston market.

The project required:

  • A closing within 45 days
  • Financing for both land acquisition and construction
  • A lending partner capable of moving quickly

TCB structured a financing package that included:

  • Financing for 80% of the land acquisition
  • Financing for 100% of hard construction costs
  • An 18-month construction period
  • Flexible reserves to support project cash flow

By coordinating underwriting, appraisal, legal, and closing activities simultaneously, TCB helped the borrower close on schedule, preserve project momentum, and avoid costly delays.

Why Borrowers Choose TCB

Local Decision Making

Work directly with experienced commercial lenders and decision-makers.

Responsive Service

Receive timely communication and guidance throughout the financing process.

Flexible Structures

Customized loan solutions designed around your project’s needs.

Long-Term Relationships

We’re committed to supporting clients beyond a single transaction.

Let's Discuss Your Project

Whether you’re planning your next acquisition, refinancing an existing property, or developing a new commercial project, TCB can help. Contact our Commercial Lending team today to discuss your financing needs and explore customized commercial real estate solutions for your business.

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