Denver's Trusted Hard Money Lender for Real Estate Investors

Real estate investors compete in a market where hesitation costs returns. Unitas Funding stands out as a hard money lender offering private loans for Denver real estate investors interested in quick acquisitions, renovation projects, spec homes, and rental portfolios. Our platform is built around speed and clarity, with straightforward leverage terms, responsive underwriting, and construction draws timed to your project schedule so your contractors are never waiting on funds.

Our Denver hard money lenders arrange fix-and-flip financing, new construction loans, short-term bridge options, and DSCR loans for residential rental properties. Straightforward terms and timely funding help you maintain momentum from purchase through exit.

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Fast, Reliable Capital for Your Next Real Estate Deal

Real estate investors who work directly with Unitas Funding skip the layers of brokers and the unpredictability of marketplace lenders. Loan programs can be tailored around the strategy at hand, including fix-and-flip financing for distressed properties, ground-up construction for spec homes, bridge financing for auction or off-market acquisitions, and DSCR loans for cash-flowing rentals. Our Denver hard money lenders offer leverage options up to 92.5% LTC, ARV-LTV up to 80%, and maximum loan sizes of $2.5M. Most qualified investors receive a clear yes or no from our underwriting team within one business day of applying.

Fix & Flip Loans

Fix & Flip Loans

Investors using fix-and-flip loans get acquisition and rehab funds in a single structure that helps keep personal cash free for reserves, materials, and labor. Up to 92.5% LTC and up to 75% ARV-LTV over 12 to 24 month terms provide room to cover the full scope of work. Underwriting built around after repair value (ARV) supports both quick resales and BRRRR holds. Draws tied to inspections help keep contractors paid on time so projects do not stall from cash flow gaps.

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New Construction Loans

New Construction Loans

Spec and custom home builders benefit from new construction loans that follow the real timeline of the jobsite. Land, foundation, framing, and finish work can be financed through a staged draw schedule linked to inspections. Up to 85% LTC and up to 75% ARV-LTV on 12 to 24-month terms keep money flowing as work advances. Careful review of budgets, preferred vendors, and contractor track records helps keep the project financed all the way to final inspections and occupancy.

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Bridge Loans

Bridge Loans

Competitive markets often make bridge loans a practical way to move faster than bank timelines. This short-term capital can secure properties at auction, lock in off-market opportunities, or carry an asset until agency or bank financing is ready. Investors may receive up to 80% LTC and up to 75% ARV-LTV for 12 month terms with a defined exit path. Light value add or quick stabilization strategies tend to see accelerated processing.

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DSCR Loans

DSCR Loans for Rental Properties

Landlords favor DSCR loans for rental properties when they want approvals tied more closely to property performance. Underwriting centered on the debt service coverage ratio allows investors with multiple income streams or entities to move faster. Financing up to 75% LTC and up to 80% ARV-LTV supports acquisitions, rate and term refinances, and cash out options. Payment structures aim for predictable monthly obligations so portfolio cash flow stays manageable.

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What makes Unitas different?

  1. The Power of a Bank, The Speed of a Partner.
    In competitive investment markets, institutional strength paired with direct lending authority gives your projects a clear advantage. Our structure removes middleman brokers and marketplace lag, using defined leverage limits, clear draw triggers, and steady lender communication to carry each deal from application through final funding.

  2. More Ways to Say ‘Yes’ to Your Deal.
    For real estate investors, every project carries its own numbers, risk, and exit strategy. Our flexible underwriting framework shapes fix-and-flip, new construction, bridge, and DSCR loans around your experience, timeline, and preferred exit, helping more investment properties qualify with less friction at every step.

  3. Certainty from a Direct Lender.
    Investors looking for predictability gain it when approvals and capital come from the same source. Our direct lending model creates clear term sheets and transparent terms from day one, supported by consistent underwriting standards and straightforward documentation rather than marketplace uncertainty and layered third party reviews.

  4. Faster Funding, Faster Draws.
    Real estate deals rarely wait for slow lenders. Our efficient loan process is built so closings can occur in as little as 10 days, with responsive draw schedules that keep materials, subs, and construction timelines on track for both rehab and ground-up projects.

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Get Pre-Approved in 24 Hours!
Preapproval decisions typically arrive within 24 hours, giving your investment property the fast funding path it needs.

Frequently Asked Questions

How fast can I get approved and funded?

Most investors receive a preapproval and term sheet within the same business day of submitting a full application package. Closings with our Denver hard money lenders often happen in roughly 10 days once documentation is complete. Our hybrid valuation model is finalized in about 3 to 5 business days, so your funding timeline stays tight from start to finish.in as few as 10 days once we receive complete documentation.

What documents are required to start the loan process?

For private loans for Denver real estate investors, applications should be submitted under your business entity, whether that is an LLC or corporation. The initial document set usually consists of a credit report, background check, purchase and sale contract, EIN letter, certificate of good standing, bank statements, and official photo identification. File review is fast, and approval decisions are commonly provided within one business day.

Do I need to verify personal income for these loans?

Our underwriting approach for hard money lending centers on asset strength, not personal income paperwork. Approval is based on your credit standing, proof of liquid reserves, and down payment contribution rather than W-2s or tax returns. Many investors with varied or layered income streams find this far more flexible.

What financing terms and leverage can I expect?

Typical terms for hard money loans start at 8.99% for qualified borrowers. Fix-and-flip projects may receive up to 92.5% loan to cost and 75% of ARV. New construction loans can offer as much as 85% LTC and 75% ARV, and bridge loans often reach 80% LTC with 75% ARV. DSCR loans are structured up to 75% LTC and 80% ARV, with overall loan sizes commonly ranging to $2.5 million.

Can new investors qualify for financing?

New investors can qualify for hard money financing as long as credit and asset requirements are met. A minimum credit score of 600 applies, and our team structures the loan around your property, budget, and goals. Both first time and experienced borrowers receive a tailored solution that fits their investment path.

Ready to Fund Your Next Denver Real Estate Investment?

Real opportunity in real estate often comes down to who can bring funding to the table first. At Unitas Funding, our Denver hard money lenders provide investor-friendly, asset-based loans that are built for fix-and-flip projects, spec home construction, and rental property expansion across the Metro region. Our direct lending model trims out layers of delay so your hard money financing supports your timeline instead of slowing it down. Send in your application, and you will typically have an approval decision within one business day, putting your next deal on a clear path to closing.

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