Allentown, PA’s Trusted Hard Money Lender for Real Estate Investors

Allentown real estate investors face unique opportunities as Pennsylvania's third-largest city continues attracting businesses and residents from higher-cost markets. From historic properties in Center City to emerging neighborhoods in South Allentown, the market demands financing partners who understand local dynamics and move at investment speed. Unitas Funding delivers hard money loans specifically designed for investors who need capital that keeps pace with opportunity.

We've built our reputation on results, not promises. With $4.5 billion in institutional backing and a track record of 10,000 successfully funded loans, Unitas brings the financial strength and market expertise Allentown investors need. Our team doesn't just process applications. We analyze deals, understand your investment thesis, and structure financing that supports your specific strategy whether you're flipping homes in the West End or developing multifamily properties near Lehigh University.

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Fast, Reliable Capital for Your Next Real Estate Deal

Traditional bank financing wasn't built for real estate investors. The 30-45 day approval timelines, rigid underwriting criteria, and bureaucratic processes cost you deals in competitive markets. Unitas Funding closes private loans for Allentown real estate investors in 10 business days or less, giving you the speed to submit strong offers and the certainty to negotiate from a position of strength. Our same-day pre-approvals mean you know exactly where you stand before making commitments.

Fix & Flip Loans

Fix & Flip Loans

Allentown's affordable housing stock and growing population create ideal conditions for fix-and-flip investors who can identify value and execute efficiently. We provide up to 92.5% loan-to-cost financing with rates starting at 8.99%, funding both your acquisition and renovation budgets. Our underwriting evaluates after repair value (ARV) and your documented exit strategy, not arbitrary credit formulas. Whether you're renovating Victorians in the Old Allentown Historic District or updating properties in emerging East Side neighborhoods, our draw structure keeps capital flowing as your project progresses.

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New Construction Loans

New Construction Loans

Ground-up development requires lenders who understand construction management, budget control, and market timing. Unitas provides new construction funding for single-family and multifamily residential projects. We structure loans around your construction timeline with milestone-based funding tied to verified completion. Our 24-48 hour draw approval process after inspection keeps your contractors working and your project on schedule from site work through final occupancy.

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Bridge Loans

Bridge Loans

Timing gaps shouldn't derail profitable investments. Our bridge loans provide 6-12 month financing when you need to close quickly, transition between properties, or stabilize assets while arranging long-term financing. Allentown's improving market fundamentals attract investors from across the region, making speed a competitive necessity. Unitas delivers the rapid closings and funding certainty that separate successful investors from those who watch opportunities disappear.

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DSCR Loans

DSCR Loans for Rental Properties

Building rental portfolios requires financing that evaluates properties on income potential rather than personal financial documentation. Our debt service coverage ratio (DSCR) loans qualify based on rental income analysis, removing the burden of W-2 verification and tax return requirements. Whether you're acquiring properties near Cedar Crest College, targeting the growing professional rental market downtown, or building a portfolio across Lehigh and Northampton Counties, our asset-based underwriting accelerates qualification and portfolio expansion.

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What makes Unitas different?

  1. The Power of a Bank, The Speed of a Partner
    We deliver institutional credibility without institutional bureaucracy. Our $4.5 billion in capital backing provides the financial security and reliability you expect from major lenders, while our direct lending structure ensures rapid decision-making and personalized service. You communicate directly with experienced underwriters who have authority to approve deals, not junior processors following rigid checklists.

  2. More Ways to Say 'Yes' to Your Deal
    Standard lending boxes don't accommodate real investment opportunities. Unitas evaluates your specific property, market position, and exit strategy rather than applying one-size-fits-all criteria. Our team combines construction knowledge, real estate expertise, and institutional lending experience to structure creative solutions when traditional lenders default to rejection. We find ways to make deals work.

  3. Certainty From a Direct Lender
    Unitas approvals mean funded deals. As a direct lender controlling our own capital, we don't depend on secondary market sales or outside funding sources. When we commit to a private loan for Allentown real estate investors, that commitment is final. No last-minute surprises, no funding freezes, no uncertainty. This reliability proves especially valuable during market volatility when conduit lenders face capital disruptions.

  4. Faster Funding, Faster Draws
    Speed matters throughout your entire project lifecycle. We close initial funding in 10 days or less, then maintain that efficiency through construction with 24-48 hour draw approvals after inspection completion. No arbitrary draw limits, no bureaucratic delays. You control your project timeline and keep contractors productive from start to finish.

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Get Pre-Approved in 24 Hours!

Start your next investment with confidence. Submit your project details below and receive a preliminary term sheet within 24 hours. Our Allentown hard money lending team will evaluate your deal and provide transparent rates and terms. Whether you're acquiring your first investment property or expanding an established portfolio, we'll structure financing that matches your timeline and strategy.

Frequently Asked Questions

What types of investment properties do you finance?

Unitas finances residential investment properties including single-family homes, duplexes, triplexes, multifamily buildings, mixed-use properties, and new construction developments. We provide fix-and-flip loans, bridge financing, ground-up construction funding, and DSCR rental property loans throughout Allentown, Bethlehem, Easton, and the broader Lehigh Valley region. All loans are business-purpose only through LLCs or corporate entities.

How quickly can you close on an Allentown investment property?

Our team in Allentown closes hard money loans in as little as 10 business days with complete documentation. Most straightforward deals receive same-day pre-approval and final approval within 3-5 business days, depending on title work and property valuation completion. Our direct lending model and experienced underwriting eliminate traditional bank delays.

What are your loan-to-cost ratios for Allentown fix-and-flip projects?

Unitas provides up to 92.5% loan-to-cost financing on qualified fix-and-flip projects with rates starting at 8.99%. Actual LTC ratios and rates vary based on property location, borrower experience, project scope, and market conditions. We underwrite on after repair value (ARV) and exit strategy rather than rigid formulas.

Do you require personal income verification for DSCR loans?

No. Our DSCR loans are asset-based, qualifying on property rental income potential rather than personal W-2s, pay stubs, or tax returns. We analyze the debt service coverage ratio comparing rental income to loan payments. This approach eliminates personal income documentation and focuses underwriting on property cash flow performance.

What areas of Allentown do you serve?

Unitas provides hard money lending throughout Allentown and the Lehigh Valley region. We finance investment properties in all Allentown neighborhoods including Center City, Old Allentown Historic District, West End, East Side, South Allentown, and surrounding areas. Our coverage extends throughout Lehigh County, Northampton County, and neighboring Pennsylvania markets.

Ready to Fund Your Next Allentown Real Estate Investment?

A fast real estate market rewards investors who combine market knowledge with execution speed. Unitas Funding provides the capital, expertise, and reliability you need to compete effectively and build wealth through real estate. Our institutional backing, local market understanding, and investor-focused approach deliver more than financing. We deliver partnership. Contact our Allentown hard money lenders today to discuss your project.

Business-purpose loans for investment properties only. Not a commitment to lend. All loans subject to credit approval and underwriting.