Aurora’s Trusted Hard Money Lender for Real Estate Investors

Real estate investors are not losing deals because they cannot find properties. They lose them because traditional lenders move too slowly. Unitas Funding steps in with private loans that give Aurora real estate investors, builders, and landlords the capital they need on tight timelines, with terms that actually fit their exit strategy. Fast approvals and a straightforward process help keep contractors working and sellers confident you will close.

Local experience matters when picking hard money lenders. Our Aurora team funds fix-and-flip projects, ground up construction, bridge scenarios between properties, and DSCR loans for rental portfolios. Investors get direct answers on what we can do, what it costs, and how fast we can fund so there is less guesswork between signing the contract and getting the wire.

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Fast, Reliable Capital for Your Next Real Estate Deal

Unitas Funding focuses on direct private loans for Aurora real estate investors who cannot sit around waiting for committee reviews. Programs include fix-and-flip financing, new construction lending, short-term bridge loans, and DSCR rental property loans, all driven by clear guidelines and fast closings. Our Aurora hard money lenders help make sure capital shows up on time so the only thing you are chasing is the next opportunity.

Fix & Flip Loans

Fix & Flip Loans

Real estate investors using fix-and-flip loans often need two things most lenders ignore, speed and high leverage. Our fix & flip loans are structured around after repair value (ARV), so acquisition and rehab costs can be covered in one program while you keep more cash in reserve for the next deal. Our team supports both quick resales and BRRRR (buying, rehabbing, renting, refinancing, and repeating) strategies with leverage options that can reach up to 92.5% LTC, so solid projects are not held back by limited liquidity.

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New Construction Loans

New Construction Loans

Our new construction loans are designed for builders and investors who want predictable funding from the first shovel in the ground through final inspection. A staged draw schedule ties funding to actual construction milestones, helping you keep materials moving and trades paid on time. With LTC ratios up to 85%, these construction loan programs help you finance a larger portion of each project while reserving capital for land acquisition, soft costs, or future builds.

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Bridge Loans

Bridge Loans

Our bridge loans provide short-term capital when timing matters more than long underwriting queues. Investors use this bridge financing to secure properties, complete improvements, or stabilize income before locking in permanent funding. Flexible terms, quick reviews, and straightforward gap funding give you the breathing room needed so closings move forward instead of falling apart over delays.

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DSCR Loans

DSCR Loans for Rental Properties

Our DSCR loans focus on rental property income rather than traditional tax returns and pay stubs. Qualifying is based on the debt service coverage ratio, which lets the property’s projected cash flow carry more of the weight in the approval. This structure fits long-term rentals as well as STRs, MTRs, and BRRRR (buying, rehabbing, renting, refinancing, and repeating) portfolios, so your financing can scale as your rental strategy grows.

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What makes Unitas different?

  1. The Power of a Bank, The Speed of a Partner.
    Our Aurora hard money lenders combine institutional-level capital with the responsiveness local investors need. Local market insight, clear terms, and quick reviews help you move on Aurora real estate opportunities as soon as they surface.

  2. More Ways to Say ‘Yes’ to Your Deal.
    Our hard money loans are structured around real investor strategies, not one-size-fits-all rules. Flexible leverage based on experience, project type, and exit plan lets us create a path forward on deals that traditional lenders often pass on.

  3. Certainty from a Direct Lender.
    Real estate investors work directly with a hard money lender that makes its own decisions. Straight answers, disciplined underwriting, and no broker middle layer provide clarity on what will close and when.

  4. Faster Funding, Faster Draws.
    Our team keeps projects moving with a streamlined loan process, closings that can happen in as few as 10 days, and fast construction draws. Our organized documentation and responsive support help you stay on schedule and protect your margins.

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Get Pre-Approved in 24 Hours!
You can receive a quick pre-approval for your next investment property, giving you confidence in your numbers before you write an offer.

Frequently Asked Questions

What's your approval and closing timeline?

Our team can typically issue term sheets and preapprovals the same day once your file is complete. Property valuations using our hybrid process generally require 3 to 5 business days. Final closings often occur in as few as 10 days after we receive clear title and all remaining documentation.

What credit and entity requirements apply?

Borrowers must have a minimum credit score of 600 and apply through a business entity such as an LLC or corporation. We are not able to lend to individuals. A complete file includes your credit report, background check, purchase agreement, EIN letter, certificate of good standing, recent bank statements, and government-issued ID.

What leverage and rates should I expect?

Our loan programs start at 8.99% with funding available up to $2.5M. Leverage varies by strategy. Fix-and-flip loans can go up to 92.5% LTC and 75% ARV LTV. New construction projects may receive up to 85% LTC and 75% ARV LTV. Bridge loans are available up to 80% LTC and 75% ARV LTV. DSCR loans can reach 75% LTC and 80% ARV LTV.

Will you finance my first investment property?

Our lending guidelines make room for both new and experienced investors, with loan terms structured to match your business plan and timeline. First time investors receive the same access to tailored options as repeat borrowers, provided the minimum 600 credit score requirement is met.

Do I need to show personal income?

Our qualification process centers on overall credit strength, down payment funds, and proof of liquidity, not pay stubs or tax returns. This approach simplifies funding for active investors, self employed borrowers, and anyone with multiple or variable income streams.

Ready to Fund Your Next Aurora Real Estate Investment?

Are you looking for Aurora hard money lenders who actually understand local real estate investment goals? Unitas Funding offers investor-focused financing with high leverage options, a clear approval path, and support that stays with you from first conversation to closing so your next project can move forward without stalling on funding.

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