Cranford’s Trusted Hard Money Lender for Real Estate Investors

Ready to close deals faster and expand your real estate portfolio with confidence? Unitas Funding offers builders, landlords, and real estate investors in New Jersey private capital solutions backed by deep construction lending experience. Expect quick approvals, seamless draw schedules, and customizable terms on our Cranford hard money loans to keep your real estate investments on track.

Whether you need fix and flip financing, bridge loans, or new construction funding, we move with speed, flexibility, and reliability. As experienced private money lenders in Cranford, we structure deals around timelines and exits so real estate investors can execute quickly and protect momentum.

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Fast, Reliable Capital for Your Next Real Estate Deal

Backed by institutional capital and direct lending agility, we serve as the go-to private money lender in Cranford and a responsive hard money lender for local and regional projects. Our tailored loan programs meet any investment stage, from fix and flip and new construction to rental property loans and bridge financing. With fast funding, transparent terms, and hands-on guidance, we equip real estate investors to move quickly, mitigate risk, and scale portfolios.

Fix & Flip Loans

Fix & Flip Loans

Investors choose our fix & flip loans in Cranford for short term financing that moves deals fast. We underwrite as a hard money rehab loan aligned with the BRRRR method, delivering fix and flip funding for acquisitions and renovation costs. Because approvals hinge on the property’s After Repair Value and ARV, you gain leverage to maximize ROI on value add projects. Count on responsive service, transparent terms, and efficient draws so you can scale from project to portfolio.

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New Construction Loans

New Construction Loans

Looking to move fast on ground up construction? We offer private construction loans for single family spec homes, multi unit residential, and mixed use developments, backed by a streamlined staged draw process. As Cranford’s private construction lender, we pair hands-on guidance with reliable capital from day one through lot acquisition, horizontal improvements, and vertical build-out. Partner with us for responsive underwriting, local insight, and clear milestones that keep your project funded and on schedule.

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Bridge Loans

Bridge Loans

As a nimble lender, we deploy hard money bridge loans that deliver interim financing when timing matters. Use our gap financing to seize time sensitive opportunities that can't wait for conventional lenders, whether you're acquiring an investment property or need short-term capital for property stabilizing before permanent financing. Our real estate bridge loans in Cranford provide fast reliable capital to keep transactions moving with confidence.

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DSCR Loans

DSCR Loans for Rental Properties

Invest with confidence through our Cranford DSCR loans, guided by a clear focus on the Debt Service Coverage Ratio and built for speed with no income verification. We structure flexible rental loans and asset based loans as practical landlord financing that relies on property income, not pay stubs. With investment property mortgages tailored for long term rentals, we help you scale efficiently while adding cash flowing assets across portfolios, including STR and MTR strategies as needed.

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What makes Unitas different?

  1. The Power of a Bank, The Speed of a Partner.
    Driven by institutional reliability and entrepreneurial flexibility, we operate as a Cranford hard money lender for investors tackling complex real estate deals, delivering tailored financing solutions and fast funding that keeps transactions scheduled without sacrificing diligence or clarity.

  2. More Ways to Say ‘Yes’ to Your Deal.
    Backed by an expanded credit box and creative underwriting, we finance projects others overlook, delivering fast approvals for unique investments through our Cranford hard money lending experts, so borrowers move quickly while we structure practical terms and close efficiently.

  3. Certainty from a Direct Lender.
    Unlike brokers, we operate as a direct hard money lender in Cranford, deploying our own capital for fast decisions and closings. With efficient loan approval, transparent direct lending, and reliable funding, borrowers gain confidence and secure funding backed by experience.

  4. Faster Funding, Faster Draws.
    We streamline the loan process for investors, delivering fast funding, rapid construction draw releases, and reliable closings, so your Cranford real estate projects stay on schedule and profitable, with a team that anticipates obstacles before they surface.

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Get Pre-Approved in 24 Hours!
Apply today and secure funding for your next investment property in Cranford.

Frequently Asked Questions

Who qualifies for a hard money loan from Unitas Funding?

Serious buyers choose our hard money investor loans when they want a long-term private money lending partner, not a race to the bottom on price. We prioritize fast funding during offers, after the term sheet, and through every step of the draw process, so your real estate investments stay on schedule. If you operate via an LLC or corporation and value speed plus certainty, we’re a strong fit. In Cranford, our hard money lending expertise and construction loans align capital and construction know‑how, helping you build confidently while we stay transparent on costs, timelines, and decisions.

What is required to apply for a Unitas real estate investment loan?

Submit a streamlined loan application for a real estate investment loan through a qualifying business entity; we fund investment or business use only. For investment property financing in Cranford, accelerate approvals by providing formation documents, operating agreement, EIN, purchase contract, rent roll, rehab budget, appraisal, bank statements, and recent tax returns

  • Government-issued ID
  • EIN Letter
  • Certificate of Good Standing
  • Bank Statements
  • Credit Report
  • Background Check
  • Purchase and Sale Agreement
What credit score do I need for a hard money loan from Unitas?

We tailor private loans in Cranford and beyond for qualified investors, offering flexible business purpose loans backed by clear guidelines. For any hard money loan, we determine the credit score using the median FICO score from a tri-merge report, or the lower of two when only two scores appear. Representative scores below 600 are ineligible for our investment property loans, which helps us deploy reliable capital while delivering competitive terms aligned with each borrower’s profile.

Do you lend to first-time real estate investors in Cranford?

Move decisively with a lending partner that understands investors at every stage. We offer first time real estate investor loans and guidance whether you’re tackling your first fix and flip in Cranford or scaling with rental property loans. Our loan programs combine accessible capital, responsive underwriting, and transparent terms to keep acquisitions and rehabs on schedule. Count on aligned draws and local insight to accelerate closings, plus fix and flip funding that helps you execute and exit profitably.

Is income verification required for investment property loans from Unitas?

We simplify approvals for investment property loans by focusing on what the property can do. Through private real estate loans in Cranford, we offer asset based lending built around strong down payments and verified liquidity. Our DSCR loans emphasize property cash flow instead of wages, creating options that move at the speed of deals. This relationship-first approach helps real estate investors qualify on performance, protect flexibility, and scale portfolios with a lender who understands local markets.

How long does the private money loan approval process take?

We streamline real estate funding with fast loan approval so investors can move quickly. Same-day pre approvals and term sheets for our quick hard money loans in Cranford are common, while final sign-off hinges on clear title and property valuation. Our hybrid reviews typically take 3–5 business days, and we can close in as little as 10 days, helping investors secure financing for competitive opportunities with certainty and speed.

Why choose Unitas over other hard money lenders in Cranford?

With a blend of construction insight and lending discipline, we help investors move faster than many hard money lenders while keeping communication open. We close private money loans in Cranford in as little as 10 days, tailor structures to your project, and favor lasting partnerships. Starting at 9.25%, our real estate loans reach up to 92.5% LTC, delivering institutional capital with the attentive service of a private money lender and flexible high leverage loans that support execution.

How is a hard money lender different from a bank?

We deliver what banks often can't: speed, clarity, and options as a hard money lender focused on investment real estate loans. Expect fast closing loans in days and flexible financing tailored to creative strategies, from fix and flip projects to bridge loans and DSCR loans. Our streamlined process keeps you moving, with expert guidance from underwriting to payoff, and efficient new construction lending in Cranford and beyond to help you seize opportunities and scale confidently.

Do you provide funding in my state or city?

As a nationwide direct lender, we finance fix and flip loans, DSCR loans, new construction, and bridge loans in Cranford and throughout New Jersey. We lend across the country with limited exceptions: we do not lend in Alaska, Arizona, Minnesota, South Dakota, or North Dakota, and we avoid direct lending in Baltimore, Chicago, and Detroit. In Nevada, Washington, Oregon, and Utah, we work exclusively through licensed brokers. Elsewhere, we provide business purpose loans backed by reliable private capital solutions to support investors.

How do I apply for a real estate investment loan from Unitas?

We make applying for a real estate investment loan straightforward, blending digital tools with personal guidance. Start with our loan calculator to estimate terms, then an account executive will connect to discuss your project, qualifications, and timeline. From pre approval through valuation, title, and construction draws, we coordinate every step to keep momentum. Our focused real estate investor financing ensures real estate investors in Cranford move confidently from offer to closing.

Fast, Reliable Capital – No Red Tape
Get the certainty of a direct lender and close in as little as 10 days.