Chattanooga, TN's Trusted Hard Money Lender for Real Estate Investors

When opportunity knocks in a competitive real estate market, traditional bank timelines don't cut it. Unitas Funding has a team of hard money lenders in Chattanooga who understand that speed and flexibility separate successful investors from missed opportunities.

Our asset-based lending approach focuses on your property's potential and your exit strategy, not personal income. We deliver private loans for Chattanooga real estate investors who demand more than cookie-cutter solutions.

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Fast, Reliable Capital for Your Next Real Estate Deal

Unitas Funding closes hard money loans in Chattanooga in as few as 10 business days, providing the gap financing that keeps your portfolio growing while competitors wait for approvals.

Fix & Flip Loans

Fix & Flip Loans

Our fix & flip financing covers both purchase and renovation costs based on after repair value (ARV), with loan-to-cost ratios up to 92.5% and interest-only payment options.

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New Construction Loans

New Construction Loans

Unitas provides new construction funding for single-family spec homes and multifamily residential projects with draw schedules tailored to your build timeline.

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Bridge Loans

Bridge Loans

Our bridge loan solutions provide interim financing with 12-month terms, enabling you to secure properties quickly while awaiting permanent financing or property sales.

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DSCR Loans

DSCR Loans for Rental Properties

Our debt service coverage ratio (DSCR) loan program qualifies investment property loans based on the property's income potential, not your personal wages.

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What makes Unitas different?

  1. The Power of a Bank, The Speed of a Partner
    Unitas operates with $5 billion in institutional capital backing, providing financial strength without bureaucratic delays from decision-makers who understand real estate investment.

  2. More Ways to Say ‘Yes’ to Your Deal
    Our hard money lenders serving Chattanooga customize loan terms around your specific project, timeline, and exit strategy. When banks say no, we ask "how can we make this work?"

  3. Certainty from a Direct Lender
    When we say yes, it truly means yes with no secondary market sales, no last-minute funding surprises, and no conditional approvals that evaporate at closing.

  4. Faster Funding, Faster Draws
    Unitas delivers 24- to 48-hour turnaround on construction draw requests after inspection completion, keeping your projects moving and contractors paid without weeks-long delays.


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Get Pre-Approved in 24 Hours!
Stop losing deals to investors with faster financing. Submit your next investment opportunity below and discover why thousands trust Unitas and our Chattanooga hard money lenders for their private real estate loan needs.

Frequently Asked Questions

What types of investment properties do you finance?

Our Chattanooga hard money lenders finance residential investment properties including single family homes, multifamily properties, and mixed use residential developments for fix and flip projects, ground-up new construction, bridge financing, and rental property acquisitions.

How quickly can you close on a Chattanooga investment property?

Unitas closes hard money lending transactions in as few as 10 business days with a complete file, with pre-approvals generated within 24 hours.

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

Unitas provides loan-to-cost ratios up to 92.5% on qualified fix and flip financing, with actual LTC ratios depending on property type, location, borrower experience, and project scope.

Do you require personal income verification for DSCR loans?

No. Our program qualifies borrowers based on the investment property's income potential and debt service coverage, not personal W-2s or tax returns.

What areas of Chattanooga do you serve?

Unitas provides real estate investment loans throughout Chattanooga and the surrounding markets in Hamilton County and southeastern Tennessee, accepting applications exclusively from licensed mortgage brokers as a wholesale lender serving Tennessee.

Ready to Fund Your Next Chattanooga Real Estate Investment?

Unitas Funding provides private loans for Chattanooga real estate investors that turn opportunities into closed deals. Contact our team today to discuss your next investment!

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