Berkeley, CA's Trusted Hard Money Lender for Real Estate Investors

When properties move in hours across Berkeley, traditional financing timelines become deal-killers. Banks requiring 30-45 days for approval and closing can't compete with all-cash offers or investors who've already secured funding. Unitas Funding closes hard money loans in as little as 10 business days, delivering the competitive advantage Berkeley investors need. We're not here to tell you maybe. We're here to fund deals.

We specialize in private loans for real estate investors in Berkeley and throughout California. Whether you're flipping properties, building new construction, securing bridge financing, or scaling a rental portfolio, we focus on your property's value and exit strategy. Backed by $4.5 billion in institutional capital across thousands of funded projects, we combine financial strength with execution speed.

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Fast, Reliable Capital for Your Next Berkeley Deal

Competition in Berkeley requires reliable financing partners. Our programs start at 8.99% with loan-to-cost ratios reaching 92.5% on qualified deals. Pre-approvals arrive within 24 hours, letting you submit offers with confidence. We structure financing around your specific strategy and timeline, not generic templates that ignore deal reality.

Fix & Flip Loans

Fix & Flip Loans

Properties throughout Berkeley offer renovation opportunities for investors who execute effectively. Our fix-and-flip financing covers both acquisition and construction costs using after-repair-value underwriting, so you leverage future worth rather than current distressed condition. Choose 12-, 18-, or 24-month terms with interest-only payments for healthy cash flow during renovation. Draw processing completes within 24-48 hours after inspection, keeping contractors productive and projects on schedule.

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New Construction Loans

New Construction Loans

 Ground-up development in Berkeley requires capital that understands construction realities. Our new construction loans fund single-family spec homes and multifamily residential projects with draw schedules tied to actual milestones, not arbitrary dates. Starting at 8.99% with terms customized to your build timeline, we bring both funding and construction knowledge from land acquisition through certificate of occupancy. 

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Bridge Loans

Bridge Loans

Timing gaps happen in Berkeley investing. Maybe you need to close before permanent financing is ready, or you're waiting on another sale to fund your next acquisition. Our bridge loans run 12 months, providing interim capital when opportunities appear. Berkeley investors use bridge financing to secure auction properties, grab off-market deals, and transition between investment phases without losing deals to faster competitors.

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DSCR Loans

DSCR Loans for Rental Properties

Scaling rental portfolios in Berkeley shouldn't require extensive personal financial documentation. Our DSCR loans qualify on one metric: does the rent cover the mortgage? If cash flow works, we fund it. Available for short-term, mid-term, and long-term rentals throughout the Berkeley area. Property income potential matters, not three-year-old tax returns.

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What Makes Unitas Different in Berkeley

  1. Institutional Resources, Direct Access
    Backed by $4.5 billion in institutional capital, funding availability is never uncertain at closing. But we're not a bank drowning in committees and policies—we're a direct lender purpose-built for real estate investors. You get financial stability combined with decision-making speed and flexibility.

  2. Underwriting for Property Fundamentals
    Traditional lenders use rigid qualification boxes. If your Berkeley deal doesn't fit their template perfectly, you're declined. We evaluate deals based on property fundamentals, local market conditions, and whether your exit strategy makes financial sense. We build loan structures around your specific project requirements.
  3. We Fund What We Approve
    We own our capital. We're not brokers marketing your deal to multiple lenders, and we don't sell loans to secondary markets that might disappear when volatility hits. When we issue an approval, that approval is final. No surprise committee reviews, no funding falling through three days before closing.

  4. Speed That Matches Market Reality
    Closing in 10 business days gets you into the property. Our draw requests process in 24-48 hours after inspection completion. Your Berkeley renovation or construction project moves at the speed of actual work, not internal bureaucracy. Most projects require approximately 10 draws, and each one receives the same urgent processing as your initial funding.

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Get Pre-Approved in 24 Hours
Stop losing Berkeley deals to investors with faster financing. We deliver real pre-approvals in 24 hours—not meaningless pre-qualifications, but actual approvals that give you credibility when making offers. Our focus is on property value and deal structure, not endless personal documentation.

Frequently Asked Questions

What types of investment properties do you finance in Berkeley?

We finance business-purpose real estate throughout Berkeley and California: single-family homes, multifamily properties, townhomes, and mixed-use residential buildings. We fund fix-and-flip projects, new construction, bridge loans, and DSCR rental property acquisitions. All loans must be made through business entities—we don't provide consumer mortgages or owner-occupied financing.

How quickly can you close on a Berkeley investment property?

10 business days with complete documentation. We deliver pre-approvals in 24 hours, and final approvals typically occur within 3-5 business days depending on title clearance and property valuation completion. Compare that to 30-45 days minimum for traditional banks, and you'll understand why serious Berkeley investors choose hard money lending over conventional financing.

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

We offer loan-to-cost ratios up to 92.5% on qualified fix-and-flip projects in Berkeley, covering both purchase price and renovation budget. Actual LTC depends on property type, location, your experience level, and project scope. We underwrite based on after-repair value and your exit strategy. Rates start at 8.99%, and we customize terms to match your specific project timeline and investment plan.

Do you require personal income verification for DSCR loans in Berkeley?

No. Our DSCR loans in Berkeley qualify based on the rental property's income potential, not your personal W-2s, tax returns, or employment history. We evaluate whether the property generates sufficient rent to cover debt service. You'll need to provide business entity documentation and demonstrate liquidity for down payment and reserves, but we're not requesting personal income verification that delays everything.

What areas of Berkeley do you serve?

We provide private real estate loans throughout Berkeley, surrounding California communities, and the entire metro area. We lend in both urban and suburban markets across the region. Whether your property is located in Berkeley proper or nearby towns throughout California, we have the local market knowledge and lending appetite to support your investment.

Ready to Fund Your Next Berkeley Real Estate Investment?

Sometimes, markets move too fast for slow capital. While your competitors wait weeks for bank approvals, you could already be under contract with Unitas backing your offer. Our Berkeley hard money lenders have funded 4,718 deals because we understand what investors need. Speed without sacrificing certainty. Flexibility without hidden surprises. Institutional backing without institutional bureaucracy. Tell us about your next deal and we’ll show you exactly how we can help you close it.


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