Franklin’s Trusted Hard Money Lender for Real Estate Investors

Ready to close faster and grow your portfolio? At Unitas Funding, we help builders, landlords, and real estate investors in [State] access reliable capital backed by institutional resources and decades of construction lending. We offer quick approvals, efficient draws, and flexible terms on our Franklin hard money loans to keep real estate investments moving.

Whether you need fix and flip financing, bridge loans, or new construction funding, our private money lenders deliver speed, flexibility, and reliable execution. We move fast, tailor structures to your project, and stay responsive to closing, so you can seize real estate investments with less friction.

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Fast, Reliable Capital for Your Next Real Estate Deal

As a seasoned team, we combine institutional stability with the speed and flexibility of a Franklin private money lender and direct hard money lender. Our tailored loan programs support every phase, from fix and flip and new construction to rental property loans and short-term bridge financing. With fast closings and clear terms, we help real estate investors in Franklin scale confidently, leveraging responsive service and reliable capital to build, reposition, or hold assets with momentum.

Fix & Flip Loans

Fix & Flip Loans

Ready to move fast on your next project? Our fix & flip loans in Franklin deliver the short term financing investors want, with a flexible hard money rehab loan structure that works for quick resales or the BRRRR method. We streamline approvals and provide fix and flip funding for purchase and renovations, leveraging the property’s After Repair Value (ARV) to maximize leverage and protect margins. Count on clear terms, quick draws, and a partner focused on your timeline.

 

 

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New Construction Loans

New Construction Loans

We make financing feel straightforward as a trusted private construction lender serving Franklin, offering private construction loans designed for ground up construction across single family spec homes, multi unit residential, and mixed use developments. We move quickly from lot acquisition through horizontal improvements, then vertical build, with a clear staged draw process tied to verified milestones. Expect responsive guidance, consistent capital, and a partner who understands timelines, budgets, and market realities from first plan to final inspection.

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Bridge Loans

Bridge Loans

Move fast with our hard money bridge loans that deliver the interim financing you need when timing counts. We structure flexible gap financing to outpace conventional lenders, helping you seize an investment property, fund light rehab, or stabilize cash flow before permanent financing. Our real estate bridge loans in Franklin close quickly, with straightforward terms and responsive underwriting, so your deals keep momentum and your capital works harder from contract to exit.

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DSCR Loans

DSCR Loans for Rental Properties

Drive your portfolio forward with DSCR loans in Franklin that prioritize cash flow and the Debt Service Coverage Ratio. These no income verification rental loans evaluate the property’s performance, enabling fast approvals and confident offers. Flexible asset based loans deliver streamlined landlord financing for long-term rentals, STRs, and MTRs. Leverage investment property mortgages to scale holdings, boost cash-on-cash returns, and secure durable passive income while maintaining control, speed, and clarity at every step.

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What makes Unitas different?

  1. The Power of a Bank, The Speed of a Partner.
    Unitas blends institutional reliability with entrepreneurial flexibility, and we partner to navigate complex real estate deals. As a Franklin hard money lender, we streamline approvals, deliver fast funding, and structure financing so projects move from plan to done.

  2. More Ways to Say ‘Yes’ to Your Deal.
    With an expanded credit box and creative underwriting, we finance projects other lenders pass on, moving quickly on investments and timelines. Franklin’s hard money lending team pairs flexible terms with guidance to help borrowers win approvals when banks hesitate.

  3. Certainty from a Direct Lender.
    As a direct hard money lender in Franklin, we deploy our own capital, using direct lending to deliver swift, dependable loan approval and secure funding, so you can close confidently with transparent terms, responsive support, and local expertise.

  4. Faster Funding, Faster Draws.
    Timing matters in real estate, so our Franklin loan process keeps deals moving with fast funding, updates, and streamlined steps that support quick construction draw releases and enable closings in as little as 10 days—keeping your projects on track.

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

FAQ

Who qualifies for a hard money loan from Unitas Funding?

Looking for a lender who shows up from offer to close? We focus on hard money investor loans for operators who value a long-term private money lending relationship over the cheapest rate, with fast funding at the offer stage, after the term sheet, and through every draw process. Ideal clients run LLCs or corporations for their real estate investments and want hard money lending expertise in Franklin from a team that understands construction and capital. We deliver local insight, reliable capital, and construction loans that help ground-up builds and rehabs move faster, safer, and on budget.

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

To begin your loan application for a real estate investment loan, submissions must go through a business entity (LLC or corporation), never individuals, and be used solely for investment or business purposes. For investment property financing in Franklin, we quickly review formation papers, EIN, operating agreement, purchase contract, rent roll, rehab budget, bank statements, and tax returns.

- Background Check
- Bank Statements
- Certificate of Good Standing
- Credit Report
- EIN Letter
- Government-issued ID
- Purchase and Sale Agreement

What credit score do I need for a hard money loan from Unitas?

We offer business purpose loans to qualified investors with strong histories. For a hard money loan, we determine the credit score using the median FICO score from a tri-merge report, or the lower of two scores. Representative scores below 600 aren’t eligible for our investment property loans. This approach lets us deploy reliable capital and deliver competitive terms on private loans in Franklin, aligning with each borrower’s goals.

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

As a lender, we welcome new and seasoned investors, offering first time real estate investor loans that make your first fix and flip in Franklin feel achievable. We tailor loan programs to your strategy, from rental property loans for building steady income to swift fix and flip funding for quick turns. Expect accessible capital, clear guidance, and responsive service so you can move fast, manage risks, and close confidently on projects that grow your portfolio.

Is income verification required for investment property loans from Unitas?

We offer private real estate loans in Franklin that keep approvals simple: no personal income verification for our investment property loans. As true asset based lending, we evaluate down payment strength and verified liquidity, then underwrite with DSCR-driven metrics that prioritize a property’s cash flow, making them genuine DSCR loans. This practical approach lets real estate investors qualify on performance, not pay stubs, so you can scale strategically while we move fast and communicate clearly.

 

 

 

How long does the approval process take?

We move quickly with fast loan approval for investors who can’t wait, issuing same-day pre-approvals and term sheets for our hard money loans in Franklin. Final sign-off depends on clear title and property valuation, with hybrid reviews typically completed in 3–5 business days. By streamlining underwriting and coordinating closely with closing teams, we position these hard money loans to close in as little as 10 days, helping you secure financing for competitive acquisitions.

 

 

 

Why choose Unitas over other hard money lenders in Franklin?

We pair deep construction and lending expertise with relationship-first service, understanding investor challenges better than other hard money lenders while tailoring each deal. We close private money loans in Franklin in as little as 10 days and stay engaged long after funding. With rates from 9.25% and real estate loans featuring high leverage loans up to 92.5% LTC, you access institutional capital backed by the attentive, hands-on support of an experienced private money lender.

 

 

 

How is a hard money lender different from a bank?

Choosing a hard money lender over a bank comes down to speed and flexibility. We specialize in investment real estate loans with fast closing loans in days, built for creative strategies. Our transparent, streamlined process supports you from first call to funding, whether it’s fix and flip, bridge loans, or DSCR loans. We also offer new construction lending in Franklin, tailored solutions that move projects forward without the usual red tape.

 

 

 

Do you provide funding in my state or city?

As a nationwide direct lender, we fund fix and flip loans, DSCR loans, new construction, and offer bridge loans in Franklin and across Massachusetts. We lend broadly, with a few clear 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. Everywhere else, we deliver business purpose loans backed by reliable private capital solutions that help investors move fast and close confidently.

 

 

 

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

Ready to move quickly on a real estate investment loan? We start with a personal conversation, then our online loan calculator helps you size the deal while we review your project, qualifications, and timeline. After pre approval, we coordinate valuation, title, and draw management to keep momentum. Our streamlined real estate investor financing aims to give real estate investors in Franklin a confident path to closing, backed by Account Executives who know your market and communicate clearly at every step.

 

 

 

Fast, Reliable Capital – No Red Tape

Get the certainty of a direct lender and close in as little as 10 days.