Indiana’s Trusted Hard Money Lender for Real Estate Investors

Real estate opportunities don’t wait for slow approvals. Investors need capital that keeps pace. Unitas Funding provides private capital solutions for builders, landlords, and real estate investors across Indiana, including Indianapolis, Carmel, Fishers, Fort Wayne, and Bloomington. 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 Indiana and nearby markets like Carmel, we structure deals so investors can execute quickly and protect momentum.

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Fast, Reliable Capital

Predictable approvals and clear steps reduce execution risk across acquisitions and construction timelines. Backed by institutional capital and direct-lender agility, Unitas Funding supports investors throughout Indiana—from Fishers to Bloomington—with transparent terms, hands-on guidance, and closing certainty.

Fix & Flip Loans

Fix & Flip Loans

Investors use our fix & flip loans in Indiana for value-add rehabs, light-to-heavy renovations, and turnaround projects across markets like Indianapolis, Carmel, and Fishers. 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 Indiana support infill builds, small multifamily, and redevelopment projects in areas such as Carmel and Fort Wayne. 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 Indiana bridge loans provide interim financing for auction and off-market acquisitions, payoff timelines, and stabilization periods in markets like Indianapolis and Bloomington. 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 Indiana are designed for investors focused on long-term rentals, mid-term/furnished strategies, and portfolio growth across Fishers, Fort Wayne, 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 Indiana and nearby markets like Indianapolis and Carmel. 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.
    Many lenders follow narrow boxes. Unitas reviews property fundamentals, risk controls, and exit strategy to find a path forward. In Indiana, that flexibility helps investors move in submarkets such as Fishers and Fort Wayne. Our underwriting team understands construction realities and focuses on feasibility, leverage, and the path to repayment.

  3. Certainty from a Direct Lender.
    Unitas funds with its own capital, not third-party syndication that can change at the last minute. That matters when you’re executing deals across Indianapolis, Carmel, Fishers, Fort Wayne, and Bloomington. Reliable capital reduces execution risk across acquisition, rehab, and stabilization timelines.

  4. Faster Funding, Faster Draws.
    Speed matters beyond closing. Unitas processes draw requests quickly after inspection completion to keep projects moving. Investors across Indiana—including Carmel and Bloomington—benefit from a process built for momentum. Responsive draws help contractors stay on schedule and reduce the risk of delays caused by funding gaps.

  5. Ready to Fund Your Next Indiana Real Estate Investment?
    Indiana doesn’t slow down—and neither should your capital. Whether you’re renovating in Indianapolis, building in Fort Wayne, or scaling rentals across Fishers and Bloomington, 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 Indiana. Close in as little as 10 days with Unitas Funding.

Frequently Asked Questions

Who qualifies for hard money loans in Indiana?

Execution-focused investors across Indiana—including investors active in Indianapolis and Carmel—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 Indiana real estate investment loan?

At minimum, share the address, purchase terms or payoff, rehab budget, and timeline. For properties in Indiana and nearby markets like Fishers, 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 Indiana?

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

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

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

Is income verification required for investment property loans in Indiana?

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

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

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

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

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

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

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 Indiana and nearby markets such as Indianapolis.

Do you provide funding across Indiana?

Yes. Funding is available throughout Indiana, including Indianapolis, Carmel, Fishers, Fort Wayne, and Bloomington, 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 Indiana 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 Indiana and markets like Carmel.

Ready to Fund Your Next Indiana Real Estate Investment?

Indiana'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 Indiana 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!