About us

Capital That Moves at Market Speed

Most lenders slow you down. Unitas Funding gets you to the closing table.

For active real estate investors, your competitive advantage isn't just finding the right deals—it's having capital that executes when opportunity strikes. Pre-approvals in hours. Closings in as few as 10 days. Terms that let you keep your cash working across multiple projects.

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Why Experienced Investors Work With Unitas

Speed That Wins Competitive Bids

In markets where multiple offers are standard, a 10-day close-to-funding timeline gives you the edge. Pre-approvals and term sheets delivered same-day mean you can make offers with confidence and credibility.

Maximum Leverage, Minimum Capital Deployment

Up to 92.5% LTC and full renovation funding means your capital stays liquid for the next opportunity. Scale your portfolio velocity without tying up cash in every project.

Term Sheet Integrity

When we issue terms, they don't change at closing. No last-minute rate adjustments. No surprise conditions. Your reputation with sellers and agents stays intact because our commitments are reliable.

Underwriting That Understands Your Market

We evaluate deal merit and your track record—not just a credit algorithm. Whether you're closing your first flip or your 50th, you work directly with a loan officer who understands your local dynamics and project goals.

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Loan Programs Built for Active Deal Flow

Fix & Flip Loans

Fix & Flip Loans

Short-term bridge financing for rapid property repositioning and value-add projects.


Loan Amount: Up to $2.5M (up to $4.5M+)

Leverage: Up to 92.5% LTC | Up to 75% AR-LTV

Terms: 12-, 18-, or 24-month options

Best For: Quick rotations, BRRRR method, resale exits

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New Construction Loans

New Construction Loans

Ground-up funding for spec builds and development projects with staged draw process.


Loan Amount: Up to $2.5M (up to $4.5M+)

Leverage: Up to 85% LTC | Up to 75% AR-LTV

Terms: 12-, 18-, or 24-month options

Best For: Single-family spec, multi-unit residential, mixed-use

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Bridge Loans

Bridge Loans

Interim financing for time-sensitive acquisitions requiring rapid execution.


Loan Amount: Up to $2.5M (up to $4.5M+)

Leverage: Up to 80% LTC | Up to 75% AR-LTV

Terms: 12-month

Best For: Gap financing, property stabilization, conventional loan transitions

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DSCR Loans

DSCR Loans for Rental Properties

Short-term bridge financing for rapid property repositioning and value-add projects.


Loan Amount: Up to $2M

Leverage: Up to 75% LTC | Up to 80% AR-LTV

Terms: 12-, 18-, or 24-month options

Best For: Buy-and-hold, portfolio scaling, cash-flowing assets

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How We're Different

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Model-Based Transparency

No more "black box" underwriting. Our industry-leading loan calculator shows you exactly why a deal qualifies or what to adjust to get it across the finish line. See real-time leverage scenarios, cash flow projections, and qualification thresholds before you ever submit an application.

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Flexible Strategy Alignment

We don't believe one size fits all. Our programs flex to match your specific investment goals—whether you're executing quick flips, building a rental portfolio, or developing ground-up projects. Your strategy drives our structure, not the other way around.

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The Best of Both Worlds

You get deep institutional capital backing (through our partnership with Fidelis Investors) paired with a people-first boutique approach. That means reliable liquidity at scale combined with responsive service from loan officers who know your market and your business.

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Proven Reliability

Whether you're a first-time investor or a seasoned pro, we have the market expertise to be your most trusted capital partner. Our underwriting focuses on deal merit and your experience level—not rigid formulas that ignore context. When market conditions shift, our capital commitment doesn't.

We're more than just hard money lenders — we’re also partners in your growth

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Get Pre-Approved in 24 Hours!
Apply today and secure funding for your next investment property in Washington
Close in as little as 10 days with Unitas Funding.

Ready to see what aggressive leverage looks like for your next project?

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