Garland, TX’s Trusted Hard Money Lender for Real Estate Investors

In a competitive real estate market, you need capital that moves fast. Unitas Funding provides private loans for Garland real estate investors who refuse to let bank timelines cost them deals. We deliver the speed and flexibility investors demand.

Backed by $5 billion in institutional capital and 10,000 funded loans, our Garland hard money lenders structure private loans for real estate investors around your project timeline and exit strategy, without the rigid approval requirements of traditional banks.

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Fast, Reliable Capital for Your Next Real Estate Deal

Unitas Funding closes hard money loans in 10 business days with 24-hour pre-approvals. We provide short-term real estate financing that gets you to closing before competitors get their first bank callback.

Fix & Flip Loans

Fix & Flip Loans

Our fix and flip loans provide up to 92.5% loan-to-cost financing based on after repair value. We offer flexible 12-, 18-, or 24-month terms.

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New Construction Loans

New Construction Loans

We provide new construction funding for single-family and multifamily projects. Milestone-based draw schedules with 24- to 48-hour turnaround keep your ground-up construction projects moving.

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Bridge Loans

Bridge Loans

Our bridge loans provide 12-month gap financing for opportunities requiring quick action. You can secure properties at auction or transition between projects seamlessly.

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DSCR Loans

DSCR Loans for Rental Properties

Build your rental portfolio without income verification. Our DSCR loans qualify based on property rental income. This asset-based lending finances all rental property types.

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What makes Unitas different?

  1. The Power of a Bank, The Speed of a Partner
    We combine institutional capital backing with entrepreneurial execution. Our $5 billion in funded loans proves reliability while our direct lending model delivers decisions in days.

  2. More Ways to Say ‘Yes’ to Your Deal
    We build financing around your project. Our underwriting team structures private real estate loans other lenders reject through creative solutions.

  3. Certainty from a Direct Lender
    When Unitas says yes, it means yes. The team approving your loan funds it. You get one contact, clear communication, and reliable closing.

  4. Faster Funding, Faster Draws
    We close investment property loans in 10 days. Our 24- to 48-hour draw turnaround keeps contractors on schedule and carrying costs controlled.


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Get Pre-Approved in 24 Hours!
Get pre-approved in 24 hours so you can act when an opportunity presents itself. Our team reviews your project, provides clear terms, and delivers negotiation certainty.

Frequently Asked Questions

What types of investment properties do you finance?

Our Garland hard money lenders finance single-family homes, multifamily properties, and mixed-use buildings. We provide hard money lending for fix-and-flip, new construction, bridge financing, and DSCR loans to business entities.

How quickly can you close on a Garland investment property?

We close hard money loans in 10 business days with complete documentation. We offer pre-approvals in 24 hours. Most investors receive final approval within 3-5 business days.

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

Our Garland hard money lenders provide up to 92.5% loan-to-cost financing covering purchase and renovation. Our underwriting focuses on after repair value and exit strategy based on property condition and experience.

Do you require personal income verification for DSCR loans?

No, we do not require personal income verification. Our DSCR loans qualify based on property income, not personal W-2s or tax returns. You need business entity documentation and a credit score of at least 600.

What areas of Garland do you serve?

We provide private real estate investment loans throughout Garland, Dallas County, and Collin and Rockwall counties. We finance properties across North Texas, and our hard money lenders have also funded projects across the country.

Ready to Fund Your Next Garland Real Estate Investment?

Partner with Unitas Funding for institutional capital, entrepreneurial thinking, and true partnership. Contact our hard money lenders in Garland today to discuss your next project!

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