Charleston, SC’s Trusted Hard Money Lender for Real Estate Investors

Some real estate markets move fast. When you find the right investment property, you need capital that keeps pace with your timeline. Unitas Funding provides private loans designed for Charleston real estate investors who can't wait 30-45 days for traditional bank financing. We close in as little as 10 days, giving you the speed to secure deals before your competition.

We're a direct lender backed by $4.5 billion in funded loans, serving Charleston investors with fix and flip financing, new construction funding, bridge loans, and DSCR rental property loans. Our Charleston hard money lenders understand unique market dynamics and structure each loan around your specific project and exit strategy. Whether you're renovating a historic downtown property or building new construction in Mount Pleasant, we provide the flexible capital you need with transparent terms and reliable closing performance.

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Fast, Reliable Capital for Your Next Real Estate Deal

Traditional banks say no to most investment property loans. We say yes. Our asset-based underwriting focuses on your property's after repair value and deal fundamentals, not rigid formulas. With rates starting at 8.99% and loan-to-cost ratios up to 92.5%, we structure financing that makes your Charleston investment profitable from day one.

Fix & Flip Loans

Fix & Flip Loans

Our team provides short-term financing that covers both purchase price and renovation costs. Our terms range from 12 to 24 months with interest-only payment options that preserve your cash flow during construction. We fund based on ARV, which means we release capital for both acquisition and construction based on the property's future value. We process draw requests in 24-48 hours after inspection completion, which keeps your Charleston renovation on schedule without funding delays.

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New Construction Loans

New Construction Loans

We finance ground-up construction for single-family and multifamily residential projects throughout Charleston. Our customized draw schedules are tied to construction milestones, which ensures you receive capital as you complete each phase. We release funds within 48 hours of inspection approval, which prevents delays that cost you money and momentum. Our team understands permitting requirements and construction timelines, so we structure hard money loans in Charleston that account for local market conditions.

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Bridge Loans

Bridge Loans

We provide six to twelve-month gap financing for time-sensitive acquisitions that require immediate capital. You can close on your Charleston investment property before selling another asset or while waiting for permanent financing approval. We structure terms around your specific transition timeline and fund in 10 days, which gives you the flexibility to move on opportunities without losing deals to cash buyers.

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DSCR Loans

DSCR Loans for Rental Properties

We finance rental properties based on property income rather than personal tax returns or W-2 income. We qualify short-term rentals, mid-term rentals, and traditional long-term holds using debt service coverage ratio analysis. If the rent covers the debt service with appropriate margin, you qualify for financing without the income verification burden that slows down traditional lenders.

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What makes Unitas different?

  1. The Power of a Bank, The Speed of a Partner
    We combine $4.5 billion in institutional capital backing with direct lending speed that eliminates bureaucratic delays. We do not have secondary approval committees that slow down your timeline. We make decisions and close hard money loans in Charleston in 10 days, which gives you the institutional reliability you need with the entrepreneurial speed your deals require.

  2. More Ways to Say ‘Yes’ to Your Deal
    Some projects do not fit standardized lending boxes that traditional banks impose. Historic renovations need different structures than new construction projects, and short-term rental conversions require different terms than traditional buy-and-hold properties. We customize loan terms to your specific property, timeline, and exit strategy with underwriting authority to approve complex deals that other lenders reject.

  3. Certainty from a Direct Lender
    We own our capital, which means approval guarantees funding without third-party contingencies. You will not wait for outside investors to review your deal, and market condition changes will not affect your closing. When we say yes, we mean yes, which gives you the confidence to make offers and commit to projects.

  4. Faster Funding, Faster Draws
    Unitas Funding closes private loans for Charleston real estate investors in ten days when you provide complete files, and we process draw requests in 24-48 hours after inspection completion. Most projects require approximately 10 draws throughout the construction or renovation process. We keep your renovation or construction moving without capital delays that push back your completion timeline and reduce profitability.

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Get Pre-Approved in 24 Hours!
You can submit your property details and receive pre-approval within 24 hours of submission. We review your project, provide clear loan terms, and move you toward closing immediately. You will not experience waiting periods, uncertainty about approval, or missed opportunities because of slow lender response times.

Frequently Asked Questions

What types of investment properties do you finance?

Unitas finances single-family homes, multifamily properties with 2-4 units, condos, and townhomes for fix and flip projects, new construction, bridge financing, or rental income generation. We provide business-purpose loans only through LLCs or corporate entities, which means we do not finance owner-occupied properties or consumer loans.

How quickly can you close on a Charleston investment property?

We close in ten business days when you provide complete documentation, and we deliver pre-approval within 24 hours of application submission. The total timeline from application to closing typically runs 10-14 days, depending on title clearance completion and property valuation turnaround times.

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

We offer up to 92.5% LTC on qualified projects, though ratios depend on your experience level, project scope, location, and exit strategy. First-time flippers typically qualify for 80-85% LTC, while experienced investors access higher leverage based on proven track records and deal quality.

Do you require personal income verification for DSCR loans?

Unitas Funding does not require personal income verification for DSCR loans because we qualify based on property rental income and debt service coverage ratio. You will not need to provide W-2s, tax returns, or employment verification documents. We verify the property generates sufficient rent to cover loan payments with appropriate coverage margin, which streamlines approval for self-employed investors and portfolio builders.

What areas of Charleston do you serve?

We serve all Charleston metro areas including downtown Charleston, Mount Pleasant, North Charleston, Summerville, West Ashley, James Island, Johns Island, Daniel Island, Goose Creek, and surrounding Berkeley, Charleston, and Dorchester counties. We finance investment properties throughout South Carolina and nationwide, though we operate as a wholesale lender only in Nevada, Washington, Oregon, and Utah.

Ready to Fund Your Next Charleston Real Estate Investment?

Charleston's market rewards investors who move fast. While traditional banks process paperwork for weeks, properties get sold to competitors with ready capital. Unitas Funding closes hard money loans in Charleston in 10 days because we own our capital and make our own decisions. We have funded more than 10,000 loans totaling over $5 billion for real estate investors who need speed and certainty. Call us now to discuss your investment property and receive pre-approval within 24 hours.

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