Columbus, OH's Trusted Hard Money Lender for Real Estate Investors

Need financing that matches your deal timeline? Unitas Funding delivers trusted private loans for Columbus real estate investors, builders, and landlords. Through institutional backing, rapid approvals, efficient draw processes, and accommodating terms, we ensure your projects progress smoothly while your portfolio expands.

As hard money lenders in Columbus, we specialize in fix-and-flip financing, bridge loans, and new construction funding with transparent terms and reliable closings. Our customer-first commitment emphasizes speed, clarity, and responsive service, helping you capture deals in competitive markets.

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Fast, Reliable Capital for Your Next Real Estate Deal

Unitas Funding is the hard money lender that Columbus real estate investors rely on for speed, clarity, and consistency. With decades of experience and more than $4.5 billion in funded loans, our team helps local investors secure fix-and-flip financing, new construction loans, bridge loans, and DSCR rental property loans on clear, transparent terms. Our direct lending model, predictable draw schedules, and responsive service give investors the confidence to move quickly on profitable opportunities and scale their portfolios.

Fix & Flip Loans

Fix & Flip Loans

Our fix-and-flip loans are built for competitive real estate markets where timing and leverage matter. Short-term financing can cover both the purchase and renovation costs, aligning perfectly with your BRRRR strategy (buying, rehabbing, renting, refinancing, and repeating) while offering up to 92.5% LTC and 75% AR-LTV. With reliable closings, straightforward terms, and a Columbus hard money lender that understands investor needs, your offers become stronger and your path to portfolio growth more efficient.

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New Construction Loans

New Construction Loans

For builders and investors, our new construction loans provide private capital tailored to ground-up residential and mixed-use projects. A staged draw process tied to construction milestones helps manage cash flow and keep each phase of the build on schedule. With transparent terms, attentive underwriting, and an experienced lending team focused on builder success, your construction projects gain a stable, long-term financing partner.

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Bridge Loans

Bridge Loans

Our bridge loans are structured to fill funding gaps when you need to act quickly on an investment property opportunity. With minimal friction, straightforward guidelines, and reliable access to capital, you can move ahead while permanent financing is still in progress. Investors gain a practical solution that keeps transactions on track and on time.

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DSCR Loans

DSCR Loans for Rental Properties

Our DSCR loans for rental properties emphasize income produced by the asset, not traditional paystubs or tax returns. By evaluating the debt service coverage ratio, this financing approach makes it easier to qualify for investment property mortgages. Owners of long-term rentals, short-term rentals, and mid-term rentals can leverage flexible landlord financing that delivers stable terms and efficient funding.

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What makes Unitas different?

  1. The Power of a Bank, The Speed of a Partner.
    Our Columbus hard money lenders bring bank-level capital together with street-level agility. Clear terms, quick answers, and direct access to decision makers help you move fast on investment properties without getting buried in red tape.

  2. More Ways to Say ‘Yes’ to Your Deal.
    For investors wrestling with unusual properties or fast-moving opportunities, our hard money loans are built to solve problems, not create them. Flexible criteria and custom terms open the door for deals that would never make it through a conventional underwriting checklist.

  3. Certainty from a Direct Lender.
    With our team acting as your direct hard money lender in Columbus, approvals and funding come from the same place, cutting out needless delays. That direct control means you know where you stand, what it costs, and when you can close.

  4. Faster Funding, Faster Draws.
    Speed wins deals in real estate investing. We close loans in as few as 10 days and release construction draws quickly so projects don't stall. Fast funding paired with clear communication from Unitas means your investments stay on schedule and remain profitable.

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Get Pre-Approved in 24 Hours!
Our hard money lending process supports rapid pre-approval so your next investment property can move from idea to funded project in days, not months.

Frequently Asked Questions

What types of investment properties do you finance?

Hard money financing from our lending team is designed for investor-owned single-family homes, condominiums, townhomes, and smaller multifamily properties. These are strictly business-purpose loans intended for investment activity, not for owner-occupied homes.

How quickly can you close on a Columbus investment property?

Typical closings on investment properties can be completed in about 10 days after files and documentation are complete. A streamlined, direct lender process means fewer middlemen, fewer delays, and quicker access to the funds you need to secure profitable deals.

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

For fix-and-flip projects, our loans may cover up to 92.5% of total project costs, with ARV loan to value ratios up to 75%. The exact structure depends on the asset, rehab scope, and how seasoned you are as an investor in the market.

Do you require personal income verification for DSCR loans?

Our DSCR rental loans are underwritten around property level cash flow instead of personal income. A strong debt service coverage ratio from your rental property can qualify you without traditional income documentation, which helps investors scale faster.

What areas of Columbus do you serve?

Our hard money loans are available across Columbus and nearby Central Ohio cities, including Hilliard, Gahanna, Reynoldsburg, and surrounding neighborhoods, where investors are building rental portfolios and completing rehab projects.

Ready to Fund Your Next Columbus Real Estate Investment?

Traditional lenders rarely move at the pace real estate investors need, which can cost you profitable deals. Our private loans for Columbus real estate investors combine speed, flexibility, and consistent funding so you can move quickly on the right properties. Contact Unitas Funding today or apply now to see how direct lending can support your growing portfolio.

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