Colorado Springs's Trusted Hard Money Lender for Real Estate Investors

Real estate opportunities can appear and disappear within days, not weeks. Unitas Funding is structured to give local investors direct access to hard money loans for acquisitions, rehabs, construction projects, and rental portfolios without the delays that often come with banks. Clear terms, fast underwriting, and thoughtfully timed draw releases work together to keep your crews and contractors moving.

Our Colorado Springs hard money lenders are focused on investor friendly products, including fix-and-flip loans, ground up construction loans, short-term bridge loans, and DSCR loans for income producing rentals. Backing from institutional capital sources, paired with transparent communication, helps ensure that you know exactly what to expect at every stage of the loan process.

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Fast, Reliable Capital for Your Next Real Estate Deal

Our direct to investor lending model removes unnecessary layers between you and the capital, which can be critical when you are bidding at auction, competing on a flip, or finalizing a land purchase for a new build. Program structures can support everything from cosmetic rehabs to large scale new construction and rental take out with DSCR loans. Borrowers can access up to $2.5M per deal, leverage up to approximately 92.5% LTC, and ARV based LTV up to 80%. Our Colorado Springs hard money lenders typically turn around loan approvals within one business day after your application package is received.

Fix & Flip Loans

Fix & Flip Loans

Our fix-and-flip loans package acquisition and rehab costs into one solution so cash reserves can stay focused on your broader investment strategy. Terms ranging from 12 to 24 months offer up to 92.5% LTC and up to 75% ARV-LTV, giving room in your budget for contractor bids, materials, and unforeseen expenses. ARV (after repair value) based underwriting supports quick sell-and-exit projects or BRRRR (buying, rehabbing, renting, refinancing, and repeating) plans that roll flips into long-term rentals. Draws released at inspection checkpoints keep crews funded, progress moving, and cash flow disruptions to a minimum.

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New Construction Loans

New Construction Loans

Real estate builders using new construction loans benefit from funding designed to match real project milestones instead of rigid timelines. Land purchases, structural framing, and final finishes receive funds through draw requests supported by documented inspections. Terms of 12 to 24 months enable up to 85% LTC and up to 75% ARV-LTV, helping maintain working capital for multiple builds or additional investments. Underwriting teams review project budgets, builder track records, and proposed schedules to provide consistent backing from the shovel in the ground to finished home.

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Bridge Loans

Bridge Loans

Our bridge loans deliver the short-term real estate capital needed when timing is tight and opportunities are limited. Investors use bridge financing to win auctions, tie up off-market properties, or reposition assets ahead of a long-term loan. A typical 12 month term structure allows up to 80% LTC and up to 75% ARV-LTV, along with a clearly defined plan for exit or refinance. Properties needing only limited renovations or a short holding period benefit from streamlined approvals and efficient closings.

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DSCR Loans

DSCR Loans for Rental Properties

DSCR loans for rental real estate focus on property performance, evaluating rental income and borrower credit before personal tax returns. Underwriting looks at the debt service coverage ratio so long-term rentals, vacation rentals, and mid-term units can qualify under an asset-based model. Loan terms intended for portfolio growth offer up to 75% LTC and up to 80% ARV-LTV while supporting manageable monthly payment structures. Investors aiming to expand rental holdings can use DSCR financing to add properties, smooth cash flow, and strengthen long-term returns.

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What makes Unitas different?

  1. The Power of a Bank, The Speed of a Partner.
    Our private loans for Colorado Springs real estate investors combine institutional capital with a partner-style approach that investors can depend on. Broker layers and marketplace uncertainty are removed from the process, so each application receives clear leverage guidelines, defined draw milestones, and consistent updates from initial quote to final funding.

  2. More Ways to Say ‘Yes’ to Your Deal.
    Our loan programs are built to match your strategy, whether you specialize in quick flips, ground-up construction, bridge financing, or long-term holds. Flexible fix-and-flip, construction, bridge, and DSCR options align with your experience and exit plan, helping more of your deals qualify for the right funding.

  3. Certainty from a Direct Lender.
    Our approvals and capital decisions are managed internally, which provides Colorado Springs investors with straightforward commitments and terms they can rely on. Strong underwriting practices and a clear documentation checklist reduce surprises at closing, so you spend more time evaluating opportunities and less time chasing third-party approvals.

  4. Faster Funding, Faster Draws.
    Real estate opportunities often move quickly, and our lending process is built to keep pace. Our team supports closings in as few as 10 days and delivers construction draws without long delays, allowing your investment properties to advance on time and on budget.

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Get Pre-Approved in 24 Hours!
Our streamlined pre-approval gives real estate investors clarity on funding and leverage, so the next investment property can be secured with confidence.

Frequently Asked Questions

What are the application requirements?

Our private loans for Colorado Springs real estate agents are issued to legal business entities, such as an LLC or corporation, rather than to individuals. A complete application file includes a credit report, background check, signed purchase and sale agreement, EIN verification letter, certificate of good standing, recent bank statements, and a valid government-issued ID. Once all items are submitted and reviewed, a loan approval decision is typically delivered within one business day.

What rates and loan amounts are available?

Our programs feature interest rates starting at 8.99% with loan sizes up to $2.5M. Maximum leverage depends on the strategy. Fix-and-flip financing can reach up to 92.5% LTC and 75% ARV-LTV, new construction loans go up to 85% LTC and 75% ARV-LTV, bridge capital provides up to 80% LTC and 75% ARV-LTV, and DSCR products extend up to 75% LTC and 80% ARV-LTV.

Do you finance investors without prior experience?

Our Colorado Springs hard money lenders welcome both first-time investors and seasoned operators with larger portfolios. Loan terms are structured around your goals, project scope, and background, while still accommodating newer investors. All borrowers must meet a minimum credit score threshold of 600 to qualify.

Is personal income documentation necessary?

Our underwriting focuses on your down payment strength, credit profile, and verified liquidity rather than tax returns or pay stubs. This asset and credit based approach makes it easier for investors with multiple properties or non-traditional income to qualify without extensive personal income documentation.

What is your typical funding timeline?

Our process often begins with same-day preapprovals and term sheets once an application is received. Hybrid valuation reports generally return within 3 to 5 business days, and closings can occur in as few as 10 days after final documentation is in place. This streamlined timeline helps you secure properties quickly and stay competitive in your market.

Ready to Fund Your Next Colorado Springs Real Estate Investment?

Successful real estate investing depends on more than finding the right property, it also depends on fast, dependable hard money financing. Unitas Funding partners with real estate investors to deliver institutional grade capital through a direct lending model, helping you move quickly and compete with cash buyers. Whether you are repositioning single family homes, building spec projects, or scaling a rental portfolio throughout Colorado Springs, our hard money lenders provide the certainty you need at closing. Submit your application now and put a strong hard money partner behind your next investment.


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