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

Columbia real estate investors need private loans that move fast. Banks can take 30 to 45 days to close loans, and opportunities vanish during those delays. Unitas Funding closes hard money loans within 10 days with rates starting at 8.99% and loan-to-cost ratios up to 92.5%.

We are a direct hard money lender serving Columbia backed by $5 billion in funded loans. We deliver flexible financing tailored to your strategy, whether you flip homes in Laguna West or scale rentals across Sacramento County.

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Fast, Reliable Capital for Your Next Real Estate Deal

Columbia's market demands speed and certainty from investors. Unitas specializes in asset-based lending and underwrites loans based on property value and exit strategy instead of personal income. We deliver pre-approvals in 24 hours and complete closings in 10 days.

Fix & Flip Loans

Fix & Flip Loans

Our Columbia hard money lenders provide purchase and renovation financing for Columbia fix-and-flip projects. Our loans fund up to 92.5% of total costs based on after repair value (ARV). We offer terms from 12 to 24 months with interest-only payments that keep your carrying costs low.

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New Construction Loans

New Construction Loans

We finance ground-up construction with flexible draw schedules tied to project milestones. Our team approves draws in 24 to 48 hours. We fund spec homes, infill development, and new builds with terms customized to your construction timeline.

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Bridge Loans

Bridge Loans

We offer short-term gap financing for time-sensitive acquisitions. Bridge loans provide capital so you can secure deals quickly or transition to permanent financing. Columbia real estate investors use these private loans when they need immediate capital.

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DSCR Loans

DSCR Loans for Rental Properties

Our Columbia hard money lenders provide long-term rental financing based on property cash flow rather than personal income. DSCR loans qualify borrowers based on rental income potential. We don’t require W-2s or tax returns for approval, but you must have a credit score above 600. Investors use these loans to scale portfolios with streamlined underwriting.

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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
    We build flexible underwriting around your specific project. Our team customizes structures for complex deals and unconventional properties that banks typically reject. We focus on property potential rather than rigid criteria.

  3. Certainty from a Direct Lender
    We own our capital and make our own decisions. Unitas guarantees funding when we approve your loan. You face no secondary committees or last-minute surprises.

  4. Faster Funding, Faster Draws
    We close loans in 10 days with complete documentation. Our draw process delivers a 24- to 48-hour turnaround after inspection completion. This keeps your projects moving forward. We have funded 10,000 loans totaling $5 billion.


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Get Pre-Approved in 24 Hours!
Submit your property details today and receive a pre-approval decision within 24 hours. Our team will review your project, provide transparent terms, and outline your path to closing.

Frequently Asked Questions

What types of investment properties do you finance?

We finance fix-and-flip projects, new construction, bridge financing, and rental properties. All loans serve business purposes only through LLCs or corporate entities. We do not lend to individuals or finance owner-occupied properties.

How quickly can you close on a Columbia investment property?

We close loans in 10 business days when you provide complete documentation. Pre-approvals are delivered in 24 hours. Final approvals typically take 3 to 5 days depending on title clearance and property valuation.

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

We offer up to 92.5% loan-to-cost on qualified projects. This covers both acquisition and renovation expenses. Rates start at 8.99% with terms customized to your investment timeline.

Do you require personal income verification for DSCR loans?

We do not require personal income verification. DSCR loans qualify borrowers based on property rental income rather than personal W-2s, tax returns, or employment history. Our underwriting focuses on the property's cash flow potential.

What areas of Columbia do you serve?

We serve all Columbia-area neighborhoods, the Midlands, and areas across central South Carolina. We also finance investment properties across the country.

Ready to Fund Your Next Columbia Real Estate Investment?

Partner with Columbia's trusted hard money lenders today. Unitas delivers the speed, flexibility, and certainty you need to close deals and scale your portfolio. Contact us now for a free consultation!

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