Jersey City's Trusted Hard Money Lender for Real Estate Investors

Ready to move your next deal with a funding partner that performs? If you are comparing hard money lenders in Jersey City for fix-and-flip, construction, bridge, or rental financing, Unitas Funding brings clear terms, fast approvals, and flexible structures. Get reliable closings, efficient draws, and a lender aligned with your plan.

As private money lenders serving Jersey City real estate investors, we provide short-term real estate loans across fix & flip financing, ground up construction lending, bridge loan options, and DSCR loans for rental properties. Strong capital, practical underwriting, and a responsive team help you close on time with confidence.

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Fast, Reliable Capital for Your Next Real Estate Deal

Unitas Funding is a direct, institutional lender serving investors with straightforward numbers and predictable execution. Programs include fix-and-flip loans, new construction loans, bridge loans, and DSCR loans for rental properties. We offer loans up to $2.5M, defined LTC and ARV-LTV ranges, and a transparent draw process. Send the address, scope, budget, and timeline. Our Jersey City hard money lenders return terms quickly so you can get your project started.

Fix & Flip Loans

Fix & Flip Loans

Acquire, renovate, and exit with speed. Our fix & flip loans cover acquisition and renovations with leverage designed for momentum up to 92.5% LTC, up to 75% ARV-LTV, and 12 to 24 month terms. We underwrite the after repair value (ARV) and your scope so you preserve cash for materials, labor, and reserves. Use your loan for a quick resell or BRRRR (buying, rehabbing, renting, refinancing, and repeating), supported by fast funding and predictable inspections.

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New Construction Loans

New Construction Loans

Build with confidence in Jersey City. Our private construction loans support ground up construction for infill, spec homes, and small multifamily. Get up to 85% LTC, up to 75% ARV-LTV, and a staged draw process that follows milestones and inspections. We align the budget, timeline, and exit up front so you control costs and keep crews moving. Clear numbers, on-time draws, and 12 to 24 month terms.

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Bridge Loans

Bridge Loans

When timing is tight, our bridge loans fill the gap with transparent capital. Use gap financing to secure an off-market opportunity, season a property before a DSCR takeout, or complete light renovations before committing to longer term financing. Loans are offered up to $2.5M with up to 80% LTC, up to 75% ARV-LTV, and a 12 month term. Close quickly, stabilize the asset, then refinance or sell on your schedule without surprises.

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DSCR Loans

DSCR Loans for Rental Properties

Scale your rental portfolio with DSCR loans built around cash flow. We use asset based lending that focuses on the property’s projected income and your credit history. Terms up to 75% LTC, up to 80% ARV-LTV, competitive rates, and flexible prepay options. Works for long-term holds, MTR, and STR strategies. A debt service coverage ratio (DSCR) loan can convert from bridge to permanent when the property is ready.

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What makes Unitas different?

  1. The Power of a Bank, The Speed of a Partner.
    Institutional capital with direct lending certainty, delivered through a responsive team that keeps your deal moving from intake to closing and through draws.

  2. More Ways to Say ‘Yes’ to Your Deal.
    Fix & flip, new construction, bridge, and DSCR programs with 12, 18, and 24 month terms, clear ARV-LTV limits, and deal structures that fit your timeline and exit.

  3. Certainty From a Direct Lender.
    We lend our own capital, publish ranges up front, and communicate clearly through every step. You get reliable terms, predictable draws, and smoother closings.

  4. Faster Funding, Faster Draws.
    At Unitas, we know timing is everything in real estate. Our straightforward loan process allows closings in as few as 10 days and ensures timely construction draw releases. With faster funding and responsive communication, we keep your real estate projects moving forward.

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Get Pre-Approved in 24 Hours!
Apply today and secure funding for your next investment property in Jersey City.

Frequently Asked Questions

What do you need to review a deal?

Start with the property address, scope of work, budget, and timeline. Add photos or plans if available. We return indicative terms quickly and outline any follow-up items to proceed to underwriting and appraisal.

How fast can you close?

Most bridge and fix-and-flip loans close in as little as 10 days once we have a complete file, appraisal, title, and insurance. New construction timelines vary based on plans, permits, and budget review. We set expectations on day one.

What are your typical leverage ranges?

Fix & flip up to 92.5% LTC and up to 75% ARV-LTV. New construction up to 85% LTC and up to 75% ARV-LTV. Bridge up to 80% LTC and up to 75% ARV-LTV. DSCR up to 75% LTC and up to 80% ARV-LTV. Loan amounts up to $2.5M.

Do you lend to first-time investors?

Yes, if the deal and exit strategy make sense. We tailor structure to experience level and may adjust leverage and reserves. We provide clear steps, checklists, and a defined draw schedule to help newer investors execute.

What types of properties qualify?

Investment properties only, including single-family, 2 to 4 units, small multifamily, townhomes, and select mixed-use by exception. We offer private loans for Jersey City real estate investors that are business-purpose only, not for owner-occupied use.

Ready to Fund Your Next Jersey City Real Estate Investment?

Let’s get your plan financed with clear terms, predictable draws, and on-time closings. Apply now and receive a loan approval decision within one day. Reach out to Unitas Funding to learn more about how our Jersey City hard money lenders can help you build your rental portfolio!

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