Grand Rapids, MI’s Trusted Hard Money Lender for Real Estate Investors

Real estate investors need capital that moves as fast as the market. Traditional banks take 30 to 45 days to close, and their rigid requirements often reject deals that make perfect sense. Unitas Funding provides hard money loans designed for Grand Rapids real estate investors who need speed, flexibility, and certainty. We close in as few as 10 days with competitive rates starting at 8.99% and loan-to-cost ratios up to 92.5%.

Whether you're flipping homes in Heritage Hill, building new construction in East Grand Rapids, or scaling a rental portfolio across Kent County, Unitas delivers the private loans for Grand Rapids real estate investors that traditional lenders can't match. Our team combines institutional capital backing with personalized service, giving you the confidence to move quickly on profitable opportunities. We've funded over 10,000 loans totaling more than $5 billion because we understand that in real estate investing, timing is everything.

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Fast, Reliable Capital for Your Next Real Estate Deal

Unitas Funding specializes in short-term real estate financing for professional investors throughout Grand Rapids and surrounding Michigan markets. Our hard money lending platform offers multiple loan products tailored to your specific investment strategy. From fix and flip loans to bridge financing and DSCR rental property loans, we structure capital around your deal, not around inflexible bank requirements. Our asset based lending approach focuses on property value and your exit strategy, allowing us to approve deals that banks routinely decline.

Fix & Flip Loans

Fix & Flip Loans

Fix and flip financing from Unitas covers both purchase price and renovation costs based on after repair value (ARV). We fund projects in established neighborhoods like Eastown and emerging areas throughout Kent County with flexible terms up to 24 months. Our experienced underwriters understand construction timelines and market dynamics, providing draw schedules that keep your project moving forward. With rates starting at 8.99% and LTC ratios up to 92.5%, you maximize your capital efficiency while maintaining healthy profit margins on every flip.

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New Construction Loans

New Construction Loans

Ground up construction lending requires a lender who understands the complexities of building from scratch. Unitas provides new construction funding for single-family spec homes and small multifamily developments throughout the metro area. We offer staged draw processes tied to construction milestones with 24 to 48 hour turnaround after inspection completion. Our construction loan specialists work directly with your project team to ensure funding flows smoothly from foundation to final finishes, keeping your timeline on track and your budget intact.

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Bridge Loans

Bridge Loans

Gap financing solves the timing challenges that kill profitable deals. Unitas bridge loans provide 6 to 12 month terms for investors who need to close quickly on a property while arranging permanent financing or completing a renovation before sale. Whether you're transitioning between properties, stabilizing a rental before refinancing, or securing a time-sensitive acquisition, our bridge loan products deliver the speed and flexibility you need. We understand that real estate opportunities don't wait for traditional bank timelines.

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DSCR Loans

DSCR Loans for Rental Properties

Building a rental portfolio requires financing that scales with your growth. Unitas DSCR loans qualify based on property cash flow rather than personal income verification, making it easier to expand your holdings without the documentation burden of traditional mortgages. We finance short-term rentals, mid-term rentals, and long-term residential properties throughout Michigan. Our rental property loan program focuses on debt service coverage ratio analysis, allowing experienced investors to grow their portfolios based on property performance rather than personal tax returns.

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What makes Unitas different?

  1. The Power of a Bank, The Speed of a Partner
    Unitas combines institutional capital backing with entrepreneurial thinking. Our parent company has funded over $4.5 billion in short-term and collateral-based loans, giving you the security of working with a well-capitalized lender. Yet we operate with the agility and responsiveness of a local partner. You get same-day pre-approvals, 10-day closings, and direct access to decision-makers who understand Grand Rapids real estate. We're large enough to fund your deals reliably and small enough to customize terms around your specific strategy.

  2. More Ways to Say ‘Yes’ to Your Deal
    Traditional lenders operate within rigid boxes that reject creative deal structures. Unitas takes a different approach. Our underwriting team evaluates each investment property loan on its individual merits, focusing on property value, market conditions, and your exit strategy. We've built our reputation on finding solutions where other lenders see only obstacles. Whether your deal involves complex title issues, unconventional property types, or tight timelines, our team works to structure financing that makes your investment work.

  3. Certainty from a Direct Lender
    When Unitas says yes, it means yes. As a direct lender, we own our capital and make our own decisions. You're not waiting for secondary approval from an unknown loan committee or worrying about last-minute funding failures. Our private money lender model means faster decisions, clearer communication, and absolute certainty that approved deals will close on schedule. This reliability becomes your competitive advantage when competing against other buyers in Grand Rapids's active investment market.

  4. Faster Funding, Faster Draws
    Speed matters in real estate investing, both at closing and throughout your project. Unitas processes draw requests in 24 to 48 hours after inspection completion, keeping your renovation or construction moving forward without costly delays. Our streamlined systems and experienced team eliminate the bureaucratic slowdowns that plague traditional construction financing. You focus on managing your project while we handle funding efficiently and predictably.

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Get Pre-Approved in 24 Hours!
Ready to move on your next real estate investment? Unitas Funding can pre-approve qualified borrowers within 24 hours and close in as few as 10 days. Our straightforward application process focuses on your deal fundamentals rather than mountains of personal financial documentation. Complete the form below to connect with our Michigan lending team and discover how fast professional real estate financing should work. Whether you're planning your first fix and flip or your fiftieth, we're here to provide the capital and guidance that helps you succeed.

Frequently Asked Questions

What types of investment properties do you finance?

Unitas finances single-family homes, multifamily properties up to four units, condos, and townhomes used for business purposes throughout Grand Rapids and Kent County. We fund fix and flip projects, new construction, bridge financing, and rental properties including short-term rentals following the BRRRR method. We do not finance owner-occupied properties or consumer-purpose loans. All financing is structured for business entities such as LLCs rather than individual borrowers.

How quickly can you close on a Grand Rapids investment property?

Unitas can close qualified hard money loans in Grand Rapids in as few as 10 business days with a complete file. Most closings occur within 10 to 14 days from application to funding. Speed depends on title clearance, property valuation completion, and documentation submission. We provide same-day pre-approvals and work directly with your title company to coordinate efficient closings that meet your timeline requirements.

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

Unitas offers loan-to-cost ratios up to 92.5% on qualified fix and flip loans in Grand Rapids. Actual LTC depends on property type, location, borrower experience, and project scope. We evaluate each deal individually based on after repair value, market conditions, and your renovation budget. Our flexible underwriting allows us to structure financing that maximizes your leverage while maintaining appropriate risk parameters.

Do you require personal income verification for DSCR loans?

No. Our DSCR loans qualify based on property cash flow and debt service coverage ratio rather than personal income documentation. You won't need W-2s, tax returns, or pay stubs. We focus on the rental property's ability to generate sufficient income to cover debt service. This streamlined approach allows experienced investors to scale their portfolios without the documentation burden of traditional mortgage financing.

What areas of Grand Rapids do you serve?

Unitas serves all of Grand Rapids and surrounding Kent County communities including East Grand Rapids, Wyoming, Kentwood, Walker, Grandville, and Rockford. We also finance investment properties throughout Michigan in markets like Ann Arbor, Lansing, Kalamazoo, and Detroit metro. Our statewide lending platform allows you to pursue opportunities wherever you find them while working with a single experienced lender who understands Michigan real estate markets.

Ready to Fund Your Next Grand Rapids Real Estate Investment?

Contact Unitas Funding today to discuss your investment strategy and discover how our hard money loans in Grand Rapids can accelerate your success. Our Michigan lending team is ready to provide the fast, flexible capital you need to compete and win in today's market. Call us or complete our online application to get started with a lender who truly understands real estate investing.

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