About Michael Lupacchino

Political pundit, philosopher, entrepreneur; Michael Lupacchino has worked in the financial industry for most of his business career. As a natural leader and entrepreneur, Michael has been able to develop a wide range of experiences and talents, giving him the ability to adapt to any role. From serving as an investment adviser to Fortune 500 firms to his time in the residential mortgage industry, Michael has worked at the highest levels in finance. Today, Michael is recognized as a business innovator with his venture Mass Credit, LLC, a company that specializes in vehicle financing for those who may not be able to get traditional bank financing. Michael’s passion for excellence has helped him build a strong and trusted provider of vehicle financing in the New England region.

Financial Career Development

Michael attended Providence College in Providence, Rhode Island. He studied business management, earning a degree in the discipline in 2005. From there, he dove into the financial industry, first landing a role as an accounts manager with Fidelity Investments, a mutual fund and investment management firm with a global reach. After several years managing accounts with Fidelity, he transitioned to the home mortgage field. He was selected for a position at Countrywide Financial in the company’s Full Spectrum Lending division. As an account executive with Countrywide, he learned the skills he would need to be successful in his own business ventures, and this would shape his next moves as an entrepreneur.

Mass Credit, LLC

In 2009, Michael Lupacchino co-founded Mass Credit, LLC, with a trusted business partner. Based on his experiences in the mortgage financing industry, he knew that economic downturns and the housing market crash impacted many people’s ability to be eligible for traditional bank financing. Mass Credit was established as a solution to this problem, providing competitive financing rates for individuals who needed reliable transportation. At Mass Credit, Michael is able to help people restore damaged credit, or to build credit from scratch, while providing great financing rates and the transportation people need to get around. Michael continues to seek new business ventures; his skill in finances and his work ethic will serve him well into the future.


Michael Lupacchino was born and raised in the suburbs of Massachusetts 30 miles outside of Boston. As a kid he was very much interested in animals, nature, and science. He was also an avid reader with a very inquisitive nature coupled with a voracious imagination. As he matured as a student, he became increasingly fond of spirited debate, philosophy, and intellectual discussion. He would often raise his hand and challenge teachers, or other pupils, in his class to defend their ideas, or to explain their rational on something. As a natural progression, he started to become interested in politics and government during the tail end of high school. It was also during high school that he discovered his passion for working out and fitness.

After graduating with honors from high school, Michael Lupacchino attended Providence College where he studied Political Science and Business Management. In his freshmen year, he experienced the horrible atrocity of the 9-11 attacks, which forever remained ingrained in his mind marking a milestone that forever changed how he viewed politics, government, and society.

“I’ll never forget that day, or where I was when it happened.”

His passion for truth and justice led him to write a detailed letter to the editor in his college paper about the attack that has been cited and referenced in works by Deanna Spingola, and others. http://www.spingola.com/bush_war7.htm

Michael started his professional career by landing a job right after graduating college with the mutual fund giant, Fidelity Investments. It was this job that caused Michael Lupacchino to move to southern New Hampshire. It wasn’t long afterward that Michael made the transition from the largest mutual fund company to the largest residential mortgage company in the US when he took a position with CountryWide’s Full Spectrum Lending division as an Account Executive.

Michael enjoyed the more direct hands on work entailed in lending through Countrywide than the corporate call center world of Fidelity. After Countrywide was bought out by Bank of America, Michael looked into realizing a dream of his in becoming an entrepreneur of his own. His future partner, who was well aware of and saw his hard work ethic and raw talent, gave him the opportunity to get in on the ground floor of a new exciting business opportunity.

After the recession caused by the mortgage crisis, the banks had really tightened their lending guidelines and people were having a hard time obtaining financing when they tried to buy a vehicle. As a result, there was a void in the market for a lender who would take a chance and finance those with bad or no credit. That was the geneses of the founding of the finance company Mass Credit, LLC. A company that specializes in financing people with bad or no credit who need a vehicle but can’t get approved for a loan through a traditional bank. Michael Lupacchino helped found Mass Credit, LLC in 2009 and has been helping people establish and rebuild their credit while providing them with reliable transportation since.  Michael Lupacchino is also active in his community in New Hampshire, often engaging in grassroots activism in order to help better the state as well as the local community around him.

Be very cognizant of your thoughts. You create your own reality. What do you want it to be?


What others say about MICHAEL

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    Bronx, New York
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    Easton, Massachusetts