Illinois’s Trusted Hard Money Lender for Real Estate Investors

In a competitive market, timing is everything—and traditional bank timelines can cost you the deal. Unitas Funding provides private capital solutions for builders, landlords, and real estate investors across Illinois, including Chicago, Naperville, Aurora, Joliet, and Evanston. Expect quick approvals, streamlined draw schedules, and terms built around timelines and exits.Whether you need fix & flip financing, bridge loans, DSCR loans for rentals, or new construction funding, we move with speed and reliability. As experienced private money lenders serving Illinois and nearby markets like Naperville, we structure deals so investors can execute quickly and protect momentum.

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Fast, Reliable Capital

Direct-lender execution reduces closing friction when timelines are tight and sellers expect certainty. Backed by institutional capital and direct-lender agility, Unitas Funding supports investors throughout Illinois—from Aurora to Evanston—with transparent terms, hands-on guidance, and closing certainty.

Fix & Flip Loans

Fix & Flip Loans

Investors use our fix & flip loans in Illinois for BRRRR-aligned rehabs and resale projects where ARV drives leverage across markets like Chicago, Naperville, and Aurora. We underwrite with a focus on After-Repair Value (ARV), so you can maximize leverage for acquisition and renovation while keeping execution disciplined.

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New Construction Loans

New Construction Loans

Our private construction loans in Illinois support ground-up residential construction and targeted redevelopment in areas such as Naperville and Joliet. With a staged draw process tied to clear inspections and milestones, capital releases stay aligned with progress from site work through vertical build-out.

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Bridge Loans

Bridge Loans

When timing matters, our Illinois bridge loans provide interim financing for auction and off-market acquisitions, payoff timelines, and stabilization periods in markets like Chicago and Evanston. Use bridge capital to close quickly, stabilize assets, or transition to permanent financing without losing the deal to slower lenders.

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DSCR Loans

DSCR Loans for Rental Properties

Our DSCR loans in Illinois are designed for investors focused on rental portfolio scaling across long-term and furnished rental strategies across Aurora, Joliet, and surrounding communities. These asset-based rental loans qualify based on property income—helping landlords scale without traditional income verification bottlenecks.

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What makes Unitas different?

  1. The Power of a Bank, The Speed of a Partner.
    Unitas Funding combines institutional capital strength with entrepreneurial responsiveness. Serving investors across Illinois and nearby markets like Chicago and Naperville. We make fast decisions, communicate clearly, and keep closings predictable because we deploy our own capital.

  2. More Ways to Say “Yes” to Your Deal.
    Traditional lenders rely on rigid formulas. Unitas evaluates each deal on its individual merits. In Illinois, that flexibility helps investors move in submarkets such as Aurora and Joliet. We consider scope, budget, market conditions, and your execution plan to tailor terms that fit the investment.

  3. Certainty from a Direct Lender.
    As a direct lender, Unitas owns the capital we lend—so when we say yes, it means yes. That matters when you’re executing deals across Chicago, Naperville, Aurora, Joliet, and Evanston. Reliable capital reduces execution risk across acquisition, rehab, and stabilization timelines.

  4. Faster Funding, Faster Draws.
    Fast funding and fast draws keep schedules intact—especially on rehab-heavy projects. Investors across Illinois—including Naperville and Evanston—benefit from a process built for momentum. Our draw process uses third-party inspections and budget tracking to release funds efficiently while maintaining oversight.

  5. Ready to Fund Your Next Illinois Real Estate Investment?
    Illinois doesn’t slow down—and neither should your capital. Whether you’re renovating in Chicago, building in Joliet, or scaling rentals across Aurora and Evanston, Unitas Funding delivers the leverage and certainty needed to close on schedule.

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Get Pre-Approved in 24 Hours!
Apply today and secure funding for your next investment property in Illinois. Close in as little as 10 days with Unitas Funding.

Frequently Asked Questions

Who qualifies for hard money loans in Illinois?

Investors scaling portfolios across Illinois—including investors active in Chicago and Naperville—are typically a strong fit when speed and certainty matter. A defined scope, realistic budget, and clear exit plan help approvals move quickly.

What documents are required to apply for a Illinois real estate investment loan?

At minimum, share the address, purchase terms or payoff, rehab budget, and timeline. For properties in Illinois and nearby markets like Aurora, adding photos, contractor bids, and a timeline can accelerate underwriting and reduce back-and-forth.

What credit score do I need for a hard money loan in Illinois?

Credit is reviewed, but approvals are primarily asset-based and deal-driven. In Illinois, collateral strength, leverage, and a feasible execution plan—especially for projects in Joliet—often matter more than a single score threshold.

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

Yes. First-time investors in Illinois can qualify with conservative leverage and a credible plan, particularly when working in markets like Chicago. Using experienced contractors and presenting a detailed scope strengthens the file.

Is income verification required for investment property loans in Illinois?

Many programs emphasize the property rather than pay stubs. DSCR loans in Illinois rely on cash flow coverage, while rehab and construction financing focus on ARV, budget, and feasibility across markets such as Naperville and Aurora.

How long does the hard money approval process take in Illinois?

Initial feedback and term sheets can often be issued quickly once deal details are submitted. Final approval depends on valuation and title, with many Illinois closings completed in roughly 10 days—even for time-sensitive opportunities in Evanston.

Why choose Unitas Funding over other hard money lenders in Illinois?

Direct-lender execution, transparent terms, and predictable draws reduce uncertainty during acquisition and construction. That reliability matters in Illinois when you’re coordinating closings and contractors across areas like Aurora and Joliet.

How is a hard money lender different from a bank in Illinois?

Banks typically rely on rigid documentation and longer approval cycles. Hard money loans are underwritten to the asset and business plan, enabling faster decisions for value-add and transitional properties throughout Illinois and nearby markets such as Chicago.

Do you provide funding across Illinois?

Yes. Funding is available throughout Illinois, including Chicago, Naperville, Aurora, Joliet, and Evanston, for business-purpose investment properties. Eligibility depends on the asset type, leverage, and exit plan—not a specific city boundary.

How do I apply for a Illinois hard money loan with Unitas Funding?

Submit the property address, purchase terms, budget and scope, and your target closing date. After review, we coordinate valuation and title steps to move efficiently toward funding for deals across Illinois and markets like Naperville.

Ready to Fund Your Next Illinois Real Estate Investment?

Illinois's market doesn't slow down, and neither should your capital. At Unitas Funding, we deliver the institutional backing and direct lending speed that wins deals. Whether you're renovating properties, developing spec homes, or building a rental portfolio across the metro area, our hard money lenders provide Illinois real estate investors the leverage and certainty you need to close on schedule. Submit your application now, and let's turn your next opportunity into a funded project!