Camden, NJ's Trusted Hard Money Lender for Real Estate Investors

Camden is in the middle of one of the most significant urban redevelopment stories on the East Coast, anchored by Cooper University Health Care, Rutgers University-Camden, and Campbell Soup Company's continued headquarters presence along the waterfront. Opportunity Zone designations and waterfront redevelopment have drawn institutional attention to neighborhoods like Cooper Grant and Liberty Park, but the broader residential market — directly across the Delaware River from Philadelphia — still trades at a fraction of Philadelphia prices. Investors who can navigate Camden's older housing stock and execute a quality renovation are capturing rents and resale values that have been climbing steadily as the waterfront redevelopment expands inland.

Unitas Funding provides private capital for real estate investors throughout Camden and Camden County, New Jersey — fix-and-flip, new construction, bridge loans, and DSCR rental financing. With $4.5 billion deployed nationwide and direct lending capital, we bring institutional speed and certainty to every Camden-area transaction: real pre-approvals in 24 hours and closings in as little as 10 business days.

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Fast, Reliable Capital for Your Next Camden Deal

Camden's market rewards investors who can move fast and close with certainty. Unitas Funding delivers rates from 8.99%, up to 92.5% loan-to-cost on qualified projects, and real pre-approvals — not meaningless pre-qualifications — in 24 hours. We evaluate deals on property fundamentals and your exit strategy in Camden, not bureaucratic checklists.

Fix & Flip Loans

Fix & Flip Loans

Unitas Funding's fix-and-flip loans give Camden investors up to 92.5% loan-to-cost on qualified renovation projects, with rates starting at 8.99% and interest-only terms of 12, 18, or 24 months. We fund the purchase price and the renovation budget together, with draws released in 24-48 hours so your Camden project stays on schedule.

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New Construction Loans

New Construction Loans

For ground-up builds in Camden and across Camden County, our new construction loans cover land acquisition and vertical construction costs with the same 92.5% loan-to-cost and 24-48-hour draw turnaround as our renovation loans. Most projects require approximately 10 draws over the build timeline, and each one receives the same priority processing as your initial funding.

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Bridge Loans

Bridge Loans

When timing doesn't line up — between the sale of one Camden property and the acquisition of another, or while arranging long-term financing — our bridge loans provide 6-to-12-month interim capital with the same 24-hour pre-approval and 10-business-day closing investors rely on for every other Unitas loan program.

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DSCR Loans

DSCR Loans for Rental Properties

Our DSCR rental loans qualify Camden investors based on a property's projected rental income rather than personal income documentation. That makes it straightforward to scale a rental portfolio across Camden County without W-2s, tax returns, or employment verification slowing down your next acquisition.

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What Makes Unitas Different in Camden

  1. Institutional Resources
    With $4.5 billion in capital deployed nationwide, Unitas Funding lends directly — there's no broker chain and no committee delay between you and your capital. In Camden, that means we can fund renovation, construction, and acquisition deals tied to Cooper University Health Care, Rutgers-Camden, and the Camden Waterfront redevelopment without the capital constraints that limit smaller private lenders.

  2. Underwriting for Property Fundamentals
    We underwrite the deal, not your tax returns. In Camden, that means evaluating after-repair value, local rent and resale comparables, and your exit strategy — not chasing W-2s or personal debt-to-income ratios. Borrowers with a strong deal and a clear plan move through underwriting quickly, regardless of credit history.

  3. We Fund What We Approve
    When we issue a pre-approval on a Camden property, that approval holds. There's no surprise committee reversal three days before closing — a critical advantage in a market shaped by Opportunity Zone-driven demand along the waterfront.

  4. Speed That Matches Market Reality
    Closing in 10 business days gets you into the property fast, and draw requests process in 24-48 hours after inspection. Most Camden projects require approximately 10 draws, and each one gets the same urgent turnaround as your initial funding — a meaningful edge in a market moving as fast as Camden's.


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Get Pre-Approved in 24 Hours
Stop losing Camden deals to investors with faster financing. Unitas delivers real pre-approvals in 24 hours — not meaningless pre-qualifications, but actual approvals that give you credibility when making offers on Camden properties. 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 Camden?

We finance business-purpose real estate throughout Camden and Camden County: 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 Camden 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. Compare that to 30-45 days minimum for traditional banks, and you'll understand why Camden investors increasingly choose hard money lending over conventional financing.

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

We offer loan-to-cost ratios up to 92.5% on qualified fix-and-flip projects in Camden, 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, with rates starting at 8.99% and terms customized to your project timeline.

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

No. Our DSCR loans in Camden qualify based on the rental property's income potential, not your personal W-2s, tax returns, or employment history. We evaluate whether projected rent covers debt service, which makes portfolio building straightforward for Camden investors.

What areas of Camden do you serve?

We lend throughout Camden, including Camden Waterfront, Cooper Grant, and Liberty Park, as well as the broader Camden County market. Wherever the deal makes sense within New Jersey, our team can structure financing around it.

 

Ready to Fund Your Next Camden Real Estate Investment?

Unitas Funding has funded 55+ deals for real estate investors across Camden and the broader Camden County. Whether you're renovating a property near Camden Waterfront, building new construction near Cooper Grant, or acquiring a DSCR rental in Camden, our team delivers institutional capital with direct-lender speed: rates from 8.99%, up to 92.5% LTC, pre-approvals in 24 hours, and closings in 10 business days. Apply today and put $4.5 billion in deployed capital behind your next Camden investment.

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