Atlanta's Trusted Hard Money Lender for Real Estate Investors

Investors know that opportunity doesn't wait. Unitas Funding delivers direct private loans for Atlanta real estate investors interested in expanding property acquisitions, renovations, ground-up builds, and rental portfolios. We offer clear leverage terms, responsive underwriting, and draw schedules that align with your project milestones, ensuring that financing never becomes an obstacle between you and your next profitable deal.

Specializing in fix-and-flip loans, new construction loans, bridge loans, and DSCR loans for rental properties, our Atlanta hard money lenders combine institutional backing with investor-first execution. Transparent terms and dependable capital deployment keep your projects advancing from application through final draw.

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Fast, Reliable Capital for Your Next Real Estate Deal

Partnering with Unitas Funding eliminates broker intermediaries and marketplace delays. Match your investment approach to the right program, whether it is fix-and-flip financing for value-add properties, ground-up construction funding for spec builds, bridge financing for auction wins, or DSCR rental loans for stabilized income assets. Loan amounts scale to $2.5M, leverage options reach 92.5% LTC, and ARV-LTV extends to 80%. Complete your loan application now and our Augusta hard money lenders will return an approval decision within one business day.

Fix & Flip Loans

Fix & Flip Loans

A single loan covering acquisition and renovation costs preserves liquidity while funding your complete project. Terms of 12–24 months support up to 92.5% LTC and up to 75% ARV-LTV, leaving capital available for materials, labor, and project contingencies. After repair value (ARV) underwriting enables quick resale strategies or BRRRR (buying, rehabbing, renting, refinancing, and repeating) transitions into rental holds. Inspection milestones trigger draw releases, ensuring your contractors stay paid and work advances without cash flow interruptions.

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New Construction Loans

New Construction Loans

Spec homes or custom builds require funding synchronized with your construction calendar. Land acquisition, vertical build, and finishes receive capital through draws tied to verified milestones and inspections. Terms of 12–24 months provide up to 85% LTC and up to 75% ARV-LTV. Budgets, contractor track records, and timelines undergo underwriting review to keep your ground-up project funded from permit approval through final certificate of occupancy.

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Bridge Loans

Bridge Loans

Time-sensitive properties require immediate capital access. Gap financing from our bridge loans secures auction properties, locks off-market opportunities, or stabilizes assets before permanent financing closes. Terms of 12 months with up to 80% LTC and up to 75% ARV-LTV with transparent exit strategies. Properties needing light repositioning or brief hold periods before resale or long-term refinance receive quick processing.

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DSCR Loans

DSCR Loans for Rental Properties

Grow your rental portfolio with a DSCR loan, which evaluates property income and credit history instead of personal income documentation. Debt service coverage ratio analysis through this asset-based lending model accelerates approvals for long-term rentals, short-term rentals, and medium-term rental strategies. Rate and term structures supporting portfolio expansion provide up to 75% LTC and up to 80% ARV-LTV with stable monthly payments across your rental assets.

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What makes Unitas different?

  1. The Power of a Bank, The Speed of a Partner.
    Direct lending authority combined with institutional capital removes broker layers and marketplace uncertainty. Application through final funding on your investments receives firm leverage ranges, defined draw triggers, and consistent communication.

  2. More Ways to Say ‘Yes’ to Your Deal.
    Whether flipping, building, bridging, or holding, your strategy shapes our flexible underwriting. Fix-and-flip, new construction, bridge, and DSCR programs adapt around your timeline, experience level, and exit plan, reducing friction throughout your investment cycle.

  3. Certainty From a Direct Lender.
    Our capital and approval process remain under our control, producing firm commitments and transparent terms from initial contact. Disciplined underwriting and clear documentation standards supporting reliable funding replace marketplace uncertainty and third-party approval chains.

  4. Faster Funding, Faster Draws.
    Timing is everything when a real estate opportunity comes your way. At Unitas, our streamlined loan process allows closings in as few as 10 days and ensures quick construction draws. With fast funding and a dedicated lending partner on your side, your projects can move forward without delay.

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Get Pre-Approved in 24 Hours!
Apply today and secure funding for your next investment property in Atlanta.

Frequently Asked Questions

What are the application requirements?

You'll need to apply through a business entity such as an LLC or corporation. Required documents include a credit report, background check, purchase and sale agreement, EIN letter, certificate of good standing, bank statements, and government-issued ID. Once we receive your complete submission, we'll provide a loan approval decision within one business day.

What rates and loan amounts are available?

Our rates start at 8.99% with loan amounts reaching $2.5M. Leverage varies by program: Fix-and-flip provides up to 92.5% LTC and 75% ARV-LTV, new construction offers up to 85% LTC and 75% ARV-LTV, bridge delivers up to 80% LTC and 75% ARV-LTV, and DSCR extends up to 75% LTC and 80% ARV-LTV.

Do you finance investors without prior experience?

Absolutely. We work with investors at all stages, whether you're completing your first project or managing an established portfolio. Our team tailors loan structures to match your goals and experience level. All applicants must meet a minimum credit score requirement of 600.

Is personal income documentation necessary?

No. We base our lending decisions on your down payment, credit history, and liquidity verification rather than personal income documentation. This approach simplifies qualification, especially for investors with multiple properties or non-traditional income sources.

What is your typical funding timeline?

We can issue preapprovals and term sheets the same day you submit your application. Our hybrid property valuations complete in 3-5 business days, and we close in as few as 10 days once all documentation is finalized. This timeline keeps your investment moving without unnecessary delays.

Ready to Fund Your Next Atlanta Real Estate Investment?

Atlanta's market doesn't slow down, and neither should your capital. At Unitas Funding, we deliver the institutional backing and direct lending speed that wins deals. Whether you're renovating properties, developing spec homes, or building a rental portfolio across the metro area, our hard money lenders provide Atlanta real estate investors the leverage and certainty you need to close on schedule. Submit your application now, and let's turn your next opportunity into a funded project!


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