Virginia Hard Money Lender

We understand the Virginia market because we actively lend in it. Accolend is a direct hard money lender serving investors across fix and flip, bridge, construction, and DSCR rental loans. We underwrite in-house and structure every deal around your timeline, getting you from term sheet to closing without the friction that costs investors time and deals.

Virginia market moves fast. The average home goes to pending statewide in around 10 days, and in high-demand markets like Fairfax County, homes are entering pending status in just 7 days with values up nearly 3% year over year. Richmond is matching that pace with homes also going pending in 7 days. Whether you’re repositioning a row home in Church Hill, securing a bridge loan in Reston, or funding a new build in Chesapeake.

No points, no surprises. We issue same-day term sheets, provide instant pre-approvals, and close in as little as 7 to 15 business days. Accolend gives Virginia investors the speed and certainty to move with confidence.

Accolend is a direct lender with fully in-house underwriting, providing a faster and transparent path to funding. Every decision is made internally, so approvals move without the delays that come with third-party review. Our underwriting team evaluates each deal on its own terms, from townhouse flips in Arlington to multifamily rental conversions in Hampton Roads, rather than forcing it through a rigid checklist.

There are no hidden fees, no third-party surprises, and no unnecessary back-and-forth between you and a clear answer. We offer a no-points loan program, close in as little as 7 to 15 business days, and keep communication direct throughout. From the first conversation to closing, you work with the people making the decisions.

With over $950million funded across 1450+ deals nationwide, we’ve worked through every deal type, from straightforward flips to complex ground-up construction. That track record means our underwriting team has seen the scenarios that slow other lenders down and knows how to move through them. The result for Virginia investors is a process that runs cleaner, closes faster, and carries fewer surprises from start to finish.

We’ve partnered with developers and brokers across Virginia, from acquisition financing in Northern Virginia to construction lending in the Hampton Roads market. Whether you’re building a long-term rental portfolio or executing a single value-add flip, you’re working with a team that has been through it and knows how to get your deal to the finish line.

Every Accolend borrower works directly with a lending team that is familiar with the Virginia market. From initial review through closing, you have one point of contact who understands your deal, your timeline, and the local conditions that affect it. Whether you’re a first-time flipper in Richmond or an experienced developer working across Northern Virginia, we provide the guidance and responsiveness that keep your deal moving.

As a direct lender, we offer the certainty of execution you need to build and scale your portfolio. No handoffs, no communication gaps, and no waiting on third parties for answers. You work with the people making the decisions, from the first call to funding.

We lend across 40 states, and have the capital reserves and institutional backing to fund your Virginia deal with certainty, even in a volatile market. That scale means we can move quickly and handle projects of any size without hesitation. We’ve built deep familiarity with Virginia’s regulatory landscape, market conditions, and appraisal environment, so nothing about your deal catches us off guard.

For Virginia investors, that national reach translates directly into stronger local execution, from navigating Northern Virginia’s competitive submarkets to funding ground-up construction across the Hampton Roads region.