Huntington Beach, CA's Trusted Hard Money Lender for Real Estate Investors

When opportunity knocks in Huntington Beach's competitive real estate market, traditional bank financing moves too slowly. Unitas Funding delivers the private loans Huntington Beach real estate investors need with closings in as few as 10 days, not the 30- to 45-day timelines that can cost you deals.

With $5 billion in funded short-term loans, Unitas combines institutional reliability with the flexibility investors need. Our Huntington Beach hard money lenders structure private loans for real estate investors around your specific project and exit strategy, not rigid income requirements.

shutterstock_2644509203

Fast, Reliable Capital for Your Next Real Estate Deal

Unitas Funding provides asset-based lending solutions designed for the pace of real estate investing. With rates starting at 8.99% and loan-to-cost ratios up to 92.5%, we deliver competitive terms. From pre-approval to closing, our team ensures you have the certainty and speed to compete confidently.

Fix & Flip Loans

Fix & Flip Loans

Our fix and flip financing covers both purchase price and renovation costs based on after repair value (ARV). With flexible 12-, 18-, and 24-month terms and interest-only payment options, you control your capital. Our draw process delivers funds in 24- to 48-hours after inspection, keeping your project moving.

Learn More
New Construction Loans

New Construction Loans

Unitas funds single-family spec homes and multifamily residential projects across Huntington Beach with customized draw schedules tied to construction milestones. Our team brings construction knowledge and institutional lending expertise to structure new construction funding that accounts for real-world timelines.

Learn More
Bridge Loans

Bridge Loans

Our bridge loans provide 12-month terms for investors who need to secure properties quickly or bridge gaps between property sales. Huntington Beach's market moves fast. Unitas delivers the short-term real estate financing that lets you say yes when others are waiting on bank approvals.

Learn More
DSCR Loans

DSCR Loans for Rental Properties

Our debt service coverage ratio (DSCR) loan program qualifies investment property loans based on the property's income potential, not your personal wages. Perfect for investors using the BRRRR method or scaling rental portfolios, these rental property loans streamline qualification around cash flow fundamentals.

Learn More


What makes Unitas different?

  1. The Power of a Bank, The Speed of a Partner
    You get institutional capital backing with $5 billion in funded loans combined with personal attention. We're a direct lender who owns our capital and controls the entire process from funding application, enabling quick decisions.

  2. More Ways to Say ‘Yes’ to Your Deal
    Our underwriting focuses on deal fundamentals and property value, giving us flexibility to structure private real estate loans that banks won't touch. Complex projects, unconventional timelines, unique exit strategies? We can make it work.

  3. Certainty from a Direct Lender
    When Unitas says yes, it means yes. We're not a broker selling your loan to secondary markets. As a direct lender, we provide the private loans Huntington Beach real estate investors need. No last-minute surprises, no funding falling through.

  4. Faster Funding, Faster Draws
    We close hard money loans in Huntington Beach in as few as 10 days, and our draw process delivers funds in 24 to 48 hours after inspection. While other lenders take weeks, we keep your projects moving with streamlined execution.


shutterstock_2218681047 (1)

Get Pre-Approved in 24 Hours!
Our team provides pre-approvals within 24 hours, giving you confidence to make competitive offers. Whether you're a first-time flipper or seasoned investor, Unitas delivers the private money loan solutions that match your ambition. Contact us today!

Frequently Asked Questions

What types of investment properties do you finance?

Unitas funds residential investment properties including single-family homes, multifamily properties, townhomes, and condos across Orange County and Southern California. Our Huntington Beach hard money lenders provide loans for fix and flip projects, ground-up construction, bridge financing, and rental acquisitions through business entities.

How quickly can you close on a Huntington Beach investment property?

Unitas closes hard money loans in as few as 10 business days with complete documentation. Pre-approvals typically issue within 24 to 48 hours. Our direct lending model eliminates delays common with traditional banks.

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

Unitas offers loan-to-cost ratios up to 92.5% on qualifying projects. Rates start at 8.99% with terms customized to your timeline and exit strategy based on property type, location, and borrower experience.

Do you require personal income verification for DSCR loans?

No. Our debt service coverage ratio loans qualify based on property income potential, not personal W-2s or tax returns. Our hard money lenders serving Huntington Beach analyze rental income against debt service obligations.

What areas of Huntington Beach do you serve?

Unitas provides hard money loans throughout Huntington Beach, Orange County, Southern California, and other areas of the U.S. We fund projects in established neighborhoods and emerging areas. Our team understands local market dynamics.

Ready to Fund Your Next Huntington Beach Real Estate Investment?

Stop losing deals to faster competitors. Unitas Funding delivers the speed, flexibility, and private loans that Huntington Beach real estate investors need. Contact our team today to experience the Unitas difference.

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