Our Programs

As cliche as it may sound, you are likely looking for a long-term partnership and not just another lender or the lowest-cost source of funding. We have been around for a long time and have experienced the ups and downs of a fickle real estate market. While cost should and is an important part of your business, so is the reliability of capital when first pursuing your investment, after your initial term sheet is quoted, and throughout your draw process.

• You operate under a business entity (LLC or corp)
• You value speed, reliability and personalized support
• You’re looking for a lender who understands both construction and capital
• You want a true partner, not just the lowest cost of a loan.

We empower real estate investors by affording simple, accessible and strategic lending solutions that help you build confidently, whether it’s your first project or you’re a seasoned pro.

To apply for a loan with Unitas Funding, you must:

• Apply through a business entity (we do not lend to individuals)
• Be planning to use the loan for a real estate investment or business purpose—not personal or consumer use
• Provide basic documentation, including but not limited to:
  • Credit Report
  • Background Check
  • Purchase and Sale Agreement
  • EIN Letter
  • Certificate of Good Standing
  • Bank Statements
  • Government-issued ID

Unitas originates business-purpose loans made to creditworthy, professional investors who acquire and rehabilitate residential properties throughout the U.S. A credit score will be determined by using the borrower’s (or borrowers’) median FICO as indicated by a tri-merge credit report (if only two scores are returned, the lower of the two will be used) as the representative score. Representative scores below 600 will be ineligible for financing.

Yes! Whether you’re working on your first flip or scaling a portfolio, Unitas supports investors at every stage of the journey. We believe in accessibility, encouragement, and partnership, and we offer tailored loan solutions designed to help you move forward with confidence.

No, our loans are based on your down payments and various forms of liquidity verification.

Preapprovals and term sheets can be as fast as the same day. Final approvals typically are dependent upon how fast we can obtain a clear title and property valuation. Our hybrid property valuations can take as few as 3–5 business days.

• Expertise that builds trust: With deep experience in both construction and lending, our team understands your challenges and can speak your language.
• Speed without sacrifice: We close loans in as few as 10 days, without cutting corners or communication.
• Tailored solutions: We customize every loan to fit your project, your goals, and your timeline.
• Real relationships: We believe in long-term partnerships, not just one-time transactions.
• Clear and competitive terms: With rates starting at 8.99% and leverage up to 92.5% LTC, you get strong terms backed by transparent service.

In a crowded market, Unitas delivers institutional capital, and does so while creating a partnership between our hands-on, high-touch team and our clients. We empower real estate investors to move fast, scale smart and succeed with confidence.

Unlike traditional banks, Unitas Funding is built specifically for real estate investors, which means:

• Fast closings: We fund in days, not weeks with no red tape.
• Flexible structuring: We understand creative deal strategies and adjust to meet your goals
• Business-purpose lending: We focus exclusively on investment projects, not consumer mortgages.
• Simplified process: Our lending process is streamlined, transparent and built to help you succeed, rather than slowing you down.
• True partnership: We act as an extension of your team, supporting you through every step.

While traditional banks focus on rules, Unitas focuses on results. Whether you’re fixing and flipping or holding, building, or bridging, we’re here to provide a smarter, faster path to funding that’s orchestrated by a partner who believes in your vision.

Unitas Funding is a nationwide direct lender - but there are a few exceptions:

• We do not lend in:
  • Alaska (AK), Arizona (AZ), Minnesota (MN), Nevada (NV), North Dakota (ND), Oregon (OR), South Dakota (SD), Utah (UT), and Vermont (VT)
  • The cities of Baltimore, Chicago and Detroit
• In the following states, we only accept applications through licenses brokers (we do not lend directly to investors in these states):
  • Nevada (NV), Washington (WA), Oregon (OR), and Utah (UT)

We only fund loans through business entities for investment or business purposes. Our team is committed to compliance and clarity, ensuring you get the answers and support you need to move fast and close with confidence.

Unitas believes in personal connection and involvement in your lending journey. While you can you can always leverage our “loan calculator” on our website, we can have an Account Executive reach out to you