Augusta’s Trusted Hard Money Lender for Real Estate Investors

Are you ready to scale your portfolio or take on your next project? Unitas Funding helps real estate investors, builders, and landlords secure the capital they need fast. With our private loans, Augusta real estate investors get reliability, quick approvals, flexible terms, and efficiency tailored to their investment strategy. Close with confidence and keep your projects moving.

As trusted hard money lenders, our Augusta team provides funding for fix-and-flip loans, new construction loans, bridge financing, and DSCR loans for rental properties. Investors count on us for straight answers, transparent terms, and a process designed to support their goals at every step.

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Fast, Reliable Capital for Your Next Real Estate Deal

Unitas Funding delivers direct hard money loan solutions to property investors seeking speed without compromise. Our programs include fix-and-flip financing, ground-up construction lending, bridge loan options, DSCR rental property loans, and more, all supported by clear underwriting guidelines and fast closings. Our Augusta hard money lenders help you secure the capital you need so you never miss an opportunity.

Fix & Flip Loans

Fix & Flip Loans

Seize every opportunity with fast funding designed specifically for value-add real estate investors. Our fix-and-flip loans cover acquisition costs plus renovations based on after repair value (ARV), allowing you to leverage more of each deal and preserve cash flow through the BRRRR (buying, rehabbing, renting, refinancing, and repeating) method or quick resell strategies. Move fast with competitive leverage ratios (up to 92.5% LTC) and close with the backing of an experienced partner who understands local markets.

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New Construction Loans

New Construction Loans

Power your next build with private construction loan programs built around your ground-up projects. We offer staged draw processes so funds match the milestones of your build with LTC ratios of 85% to maximize returns.

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Bridge Loans

Bridge Loans

Unlock capital right when timing matters most with short-term bridge financing structured around flexibility, so you can secure funding now and switch to longer term financing later. Our bridge loan solutions deliver fast approvals with straightforward gap funding so your deals close without delays.

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DSCR Loans

DSCR Loans for Rental Properties

Grow lasting wealth across long-term holds or expand into short- and medium-term rentals with asset-based rental property financing using debt service coverage ratio (DSCR). Our streamlined approval process considers project income potential to unlock flexible loan options. Get funding that scales alongside your strategy for STRs, MTRs, or BRRRR (buying, rehabbing, renting, refinancing, and repeating).

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What makes Unitas different?

  1. The Power of a Bank, The Speed of a Partner.
    Our Augusta hard money lenders bring the power of institutional capital to local real estate investors while delivering service that moves at the speed of opportunity. Our lending decisions are made by an experienced team that understands market urgency and delivers funding quickly so you can seize the day.

  2. More Ways to Say ‘Yes’ to Your Deal.
    We tailor hard money loan programs around unique investor strategies: flexible leverage ranges by experience level mean we find ways forward even when others hesitate. We provide options that match your goals.

  3. Certainty From a Direct Lender.
    No intermediaries and no hold-ups. As direct hard money lenders serving Augusta’s investment community, we give straightforward answers backed by disciplined underwriting.

  4. Faster Funding, Faster Draws.
    We know timing matters when an opportunity presents itself. At Unitas, our streamlined loan process delivers closings in as few as 10 days and ensures fast construction draws. With expedited funding and a team of professionals on your side, your projects will stay on track and profitable.

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

Frequently Asked Questions

What's your approval and closing timeline?

We can issue term sheets and preapprovals the same day for complete submissions. Property valuations using our hybrid process take 3-5 business days. Final closings happen in as few as 10 days once we have clear title and all required documentation.

What credit and entity requirements apply?

All applicants must have a minimum credit score of 600 and apply through a business entity (LLC or corporation). We do not lend to individuals. Submit your credit report, background check, purchase agreement, EIN letter, certificate of good standing, bank statements, and government ID to start the process.

What leverage and rates should I expect?

Our rates start at 8.99% with financing up to $2.5M. Leverage depends on your program: fix-and-flip up to 92.5% LTC and 75% ARV-LTV. New construction up to 85% LTC and 75% ARV-LTV. Bridge loans up to 80% LTC and 75% ARV-LTV. DSCR up to 75% LTC and 80% ARV-LTV.

Will you finance my first investment property?

Yes. We support both new and experienced investors with loan structures designed around your project goals and timeline. Whether this is your first flip or your fiftieth, we'll tailor terms to fit your strategy. A 600 minimum credit score applies to all borrowers.

Do I need to show personal income?

No. We underwrite based on your credit history, down payment, and liquidity verification, not personal income documentation. This streamlined qualification process works well for investors managing multiple properties or those with varied income sources.

Ready to Fund Your Next Augusta Real Estate Investment?

Ready to advance your projects with a trusted partner? Unitas Funding offers real estate investors solutions that provide high leverage, clear processes, and dedicated support. Apply for a loan with our Augusta hard money lenders now to get your project moving forward!


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