Delaware's Trusted Hard Money Lender for Real Estate Investors

Delaware packs three distinct markets into a small state. New Castle County sits in the Philadelphia metro with Wilmington's corporate and banking jobs. Kent County centers on Dover. Sussex County's beach towns, from Lewes to Rehoboth Beach, draw retirees, second-home buyers, and summer renters.

Unitas Funding offers Delaware investors fix-and-flip, new construction, bridge, and DSCR rental loans. We finance up to 92.5% of project cost, rates begin at 8.99%, and $4.5 billion in funded loans stands behind every Delaware closing.

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Fast, Reliable Capital for Your Next Delaware Deal

No state sales tax and lower property taxes than nearby states keep buyers coming to Delaware. Unitas pre-approves in 24 hours and closes most loans in about 10 business days.

Fix & Flip Loans

Fix & Flip Loans

Rowhomes and twins in Wilmington and older homes in Newark and Dover are strong renovation candidates. Unitas funds purchase and rehab together, with 12-, 18-, or 24-month interest-only terms.

 

 

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New Construction Loans

New Construction Loans

Sussex County is one of the fastest-growing areas on the East Coast, with new communities rising inland from the beaches. Our construction loans fund the full build, with draws in 24–48 hours.

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Bridge Loans

Bridge Loans

Need to buy a Delaware property before your current one sells? A Unitas bridge loan lets you secure the deal now.

 

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DSCR Loans

DSCR Loans for Rental Properties

The University of Delaware, Dover Air Force Base, ChristianaCare, and Wilmington's financial firms support year-round rental demand, while the beach towns add strong seasonal demand. Our DSCR loans qualify on the property's rent.

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What Makes Unitas Different in Delaware

  1. Three Counties, One Team
    Whether your deal is in Wilmington, Dover, or near the beaches, you work with one Unitas team that decides in-house.

  2. Mid-Atlantic Experience
    We lend across the region and understand how Delaware values compare with nearby Pennsylvania, Maryland, and New Jersey.
  3. Draws Before Peak Season
    Draws funded in 24–48 hours help Sussex County builders finish before the summer rental season starts.

  4. Proven Capital
    With $4.5 billion funded, Unitas can support your Delaware projects from the first deal on.

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Get Pre-Approved in 24 Hours
Have a Delaware deal ready? Send us your numbers and get a pre-approval in 24 hours.

Frequently Asked Questions

How fast can Unitas close a hard money loan in Delaware?

Most Delaware loans close within 10 business days of a complete application.

Does Unitas finance new construction in Sussex County?

Yes. We fund ground-up construction across Sussex County and the rest of Delaware.

What leverage does Unitas offer on Delaware flips?

Qualified investors can finance up to 92.5% of total project cost.

Can I use a DSCR loan for a Delaware beach rental?

Yes. Our DSCR loans qualify the property on its rental income. We review rental history and local rules during underwriting.

Which Delaware cities does Unitas serve?

We lend statewide, including Wilmington, Newark, Dover, Middletown, Smyrna, Lewes, Rehoboth Beach, and Georgetown.

Ready to Fund Your Next Delaware Real Estate Investment?

Unitas Funding gives Delaware investors fast, dependable capital in all three counties. From Wilmington rowhome renovations to new construction in Sussex County, we fund projects across the First State. Contact us today to discuss your next Delaware investment.


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