Charlotte's Trusted Hard Money Lender for Real Estate Investors

Investors face tight timelines, competitive offers, and rising construction costs, so funding must be both fast and dependable. Our Charlotte hard money lenders deliver clear terms, rapid approvals, and adaptable loan structures for flips, new builds, bridge scenarios, and rental properties. Consistent capital, responsive underwriting, and orderly draws support on-time closings and smooth project execution.

For real estate investors who prefer private hard money lenders, our Charlotte team funds fix-and-flip loans, ground-up construction, bridge loans, and DSCR loans for rental portfolios. Direct lending combined with rigorous underwriting keeps terms transparent, timelines realistic, and your exit plan at the center of every decision.

shutterstock_2644509203

Fast, Reliable Capital for Your Next Real Estate Deal

Unitas Funding provides specialized private loans for Charlotte real estate investors who need fast, reliable capital. Our institutionally backed platform offers fix & flip, ground up, bridge, and DSCR rental loans up to $2.5M. Strong leverage, straightforward terms, and a clearly mapped draw process help keep your purchase, renovation, or refinance progressing without unwelcome surprises.

Fix & Flip Loans

Fix & Flip Loans

For investors active in the fix-and-flip market, our loans combine acquisition and renovation funds in one line of capital. Up to 92.5% LTC and as high as 75% ARV-LTV, 12 to 24 month terms, and an inspection-driven draw schedule are designed to protect cash while work is completed. Structure supports both quick resales and BRRRR strategies so you can move on deals quickly with a lender that responds fast.

Learn More
New Construction Loans

New Construction Loans

For builders and developers, our new construction loans cover ground-up projects and spec homes with a focus on reliable funding. Loan options reach up to 85% LTC and up to 75% ARV-LTV, with draws released by stage once inspections are complete. Budget clarity, realistic construction timelines, and a lending team that understands scope and release timing help keep projects on track.

Learn More
Bridge Loans

Bridge Loans

Real estate investors use our bridge loans when they need capital before long-term financing is available. This gap funding works well for off-market acquisitions, auction properties, or refinancing out of a near-maturity loan while you lease up or complete minor improvements. With up to 80% LTC, up to 75% ARV-LTV, 12 month terms, and full transparency around costs, you have a clear path to permanent financing or a DSCR takeout.

Learn More
DSCR Loans

DSCR Loans for Rental Properties

Our DSCR loans give rental investors a straightforward way to qualify based on property income instead of tax returns. Programs support single-family rentals, small multifamily, STRs, and MTRs with up to 75% LTC and up to 80% ARV-LTV. Consistent DSCR benchmarks and flexible rate and term options help align financing with your hold strategy while leaving room in your budget for reserves and future deals.

Learn More


What makes Unitas different?

  1. The Power of a Bank, The Speed of a Partner.
    Our Charlotte hard money lenders combine institutional-grade capital with the flexibility of a private partner. Real estate investors receive transparent terms, defined construction draws, and closings that stay on calendar, so disciplined underwriting, consistent communication, and loan programs align with your scope and exit strategy.

  2. More Ways to Say ‘Yes’ to Your Deal.
    For investors needing fix & flip, new construction, bridge, or DSCR loans, our hard money financing aligns leverage, rates, and draw schedules with your experience and project goals. This structure lets your deal move smoothly from acquisition through rehab and into refinance, with numbers that support your full investment plan.

  3. Certainty from a Direct Lender.
    Our position as a direct hard money lender means capital, approvals, and expectations come from one source. Your address, scope, budget, and timeline flow directly into underwriting, term setting, and closing, so no marketplace bottlenecks get in the way and your draw process follows a predictable, step-by-step path.

  4. Faster Funding, Faster Draws.
    In a competitive market, timing on our private loans for Charlotte real estate investors often determines who wins the deal. Our streamlined process can close in as little as 10 days and releases construction draws on a reliable schedule, so a responsive local team helps keep every project moving forward and profitable.

shutterstock_2218681047 (1)

Get Pre-Approved in 24 Hours!
Our lending specialists help position your next investment property to be funded as soon as opportunity knocks.

Frequently Asked Questions

What documentation do I need to apply for an investment property loan?

Most investors will apply for an investment property loan through a business entity such as an LLC or corporation rather than as an individual. You will typically submit a recent credit report, background check, signed purchase and sale agreement, EIN letter, certificate of good standing, recent bank statements, and a valid government-issued ID. Our team reviews your file and usually responds with proposed terms within one business day.

How fast can you close?

Most transactions can close in as few as 10 days for qualified investors. Preapprovals and term sheets are often issued the same day your investment property loan file is reviewed. Final approval depends on receiving clear title and an acceptable property valuation, and our hybrid valuation process usually finishes in about 3 to 5 business days.

What are your typical leverage ranges and terms?

Our investment property loan programs generally offer the following leverage ranges: fix-and-flip up to 92.5% LTC, new construction up to 85% LTC, bridge loans up to 80% LTC, DSCR loans up to 75% LTC, and ARV-LTV up to about 75 to 80 percent depending on the program. Standard loan amounts reach up to $2.5 million, with most terms running 12 to 24 months, while bridge loans are typically structured for 12 months.

Do you require income verification for investment loans?

Our investment loans are designed so you do not need to provide traditional income verification. Approval focuses on your down payment, credit profile, and proof of liquid assets rather than personal tax returns or W-2s. This helps streamline qualification for investors who own multiple properties or have more complex income situations.

Do you work with first-time investors?

Our team regularly funds first-time investors and newer real estate operators. Qualification is based on your project details, including scope of work, budget, comparable sales, and a realistic exit strategy. We clearly outline the information and documents required so you understand what it takes to move your first investment property loan from application to closing.

Ready to Fund Your Next Charlotte Real Estate Investment?

Your next deal deserves funding that keeps pace with the market. Our Charlotte hard money lenders will look at the property address, renovation details, and budget, then respond with straightforward terms so you can secure the investment and maintain your closing schedule with confidence.

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