Cape Coral, FL's Trusted Hard Money Lender for Real Estate Investors

Cape Coral's 400-plus miles of canals — more than any city on earth — have made waterfront rehab and new-build lots along Cape Coral Parkway and the Southwest Cape some of the most sought-after inventory in the Fort Myers metro. Retirees and relocating families from the Northeast and Midwest keep demand ahead of supply in Pelican and Yacht Club.

Unitas Funding provides private real estate loans for investors throughout Cape Coral and Lee County — fix-and-flip, new construction, bridge, and DSCR rental financing up to $4.5M. With $4.5 billion funded nationally, we move at the speed Gulf Coast investors need.

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Fast, Reliable Capital for Your Next Cape Coral Deal

Cape Coral's canal-lot scarcity and steady relocation demand reward investors who can close before a listing goes stale. Unitas offers rates from 8.99%, up to 92.5% loan-to-cost, and pre-approval in 24 hours across Lee County.

Fix & Flip Loans

Fix & Flip Loans

Sailboat-access canal homes in Yacht Club and older concrete-block ranches near Pelican reward investors who can fund a fast gut renovation. Unitas funds acquisition and rehab budget together so you can close before the next buyer does.

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New Construction Loans

New Construction Loans

Vacant canal lots throughout the Southwest Cape continue to attract new-build activity as Cape Coral's population grows. Our construction loans fund the full build cycle with 24-48 hour draws to keep Southwest Florida crews on schedule.

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Bridge Loans

Bridge Loans

Need to close on a Cape Coral canal lot before your permanent financing clears? Unitas bridge loans give investors the short-term capital to secure the deal without losing it to a cash buyer.

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DSCR Loans

DSCR Loans for Rental Properties

Cape Coral's steady influx of relocating retirees and remote workers supports strong rental demand across Pelican and the Southwest Cape. We qualify the property's cash flow, not personal income.

 

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What Makes Unitas Different in Cape Coral

  1. Institutional Resources, Direct Access
    Backed by $4.5 billion in institutional capital, Unitas never leaves a Cape Coral closing waiting on funds — while operating as a direct lender that gives real answers in hours.

  2. Local Cape Coral Market Expertise
    Our team understands Lee County's canal-lot economics, seasonal buyer patterns, and flood-zone considerations, and prices deals accordingly.
  3. Speed That Protects Your Margin
    24-48 hour draw turnaround keeps Cape Coral rehab and construction projects moving on schedule.

  4. A Track Record Built in Cape Coral
    We've funded deals across Pelican, Yacht Club, and the Southwest Cape, building the track record Cape Coral investors and agents trust.

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Get Pre-Approved in 24 Hours
Ready to move on your next Cape Coral deal? Submit your scenario and get a same-day term sheet from a direct lender — no committees, no runaround.

Frequently Asked Questions

How fast can Unitas close a hard money loan in Cape Coral?

Most Cape Coral transactions close within 10 business days of a completed application, with our team coordinating directly with Lee County title companies.

What loan-to-cost is available for Cape Coral fix-and-flips?

Qualified investors can access up to 92.5% loan-to-cost, covering acquisition and renovation budget for canal-lot and inland projects alike.

Does Unitas finance waterfront or canal-front properties?

Yes, our fix-and-flip and construction programs regularly fund sailboat-access and canal-front properties throughout the Cape.

Does Unitas fund rental properties in Cape Coral?

Yes, our DSCR program funds rental properties throughout Cape Coral and greater Lee County, qualifying the property's income rather than personal tax returns.

What parts of Southwest Florida does Unitas serve besides Cape Coral?

We fund deals throughout Lee County and Southwest Florida, including Fort Myers, Lehigh Acres, and North Fort Myers.

Ready to Fund Your Next Cape Coral Real Estate Investment?

Unitas Funding provides the fast, flexible private capital Cape Coral investors need to compete for canal-lot inventory before it disappears. From Pelican renovations to Southwest Cape new builds, we fund projects across Lee County. Contact us today to discuss your Cape Coral investment property financing.

Unitas Funding has funded 38+ deals for investors in and around Cape Coral, FL.


Business-purpose loans for investment properties only. Not a commitment to lend. All loans subject to credit approval and underwriting. Rates, terms, and loan-to-cost vary based on borrower qualifications, property, and market conditions. Loan product availability may be limited in certain states.