Los Angeles, CA's Trusted Hard Money Lender for Real Estate Investors

Finding profitable investment properties in Los Angeles takes skill, but securing financing fast enough to actually close the deal separates successful investors from everyone else. Traditional banks promise 30 to 45 days and frequently miss their own deadlines. Unitas Funding closes hard money loans in 10 business days. Our Los Angeles hard money lenders built our reputation on delivering what we promise when we promise it, and in this competitive market, that reliability wins deals.

We specialize in private loans for Los Angeles real estate investors working across diverse neighborhoods and property types. Whether you're renovating a bungalow in Echo Park, building ground-up construction in Sherman Oaks, securing bridge financing for a property in Koreatown, or acquiring rental properties in Inglewood, we focus on what matters: property fundamentals and your exit strategy. With $4.5 billion in funded loans behind us, we have the capital and experience to handle deals of any size without breaking stride.

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Fast, Reliable Capital for Your Next Real Estate Deal

Los Angeles stretches from the beaches to the mountains, and each neighborhood demands different investment approaches. We offer loan programs with rates starting at 8.99% and leverage up to 92.5% loan-to-cost for investors who know what they're doing. Our team pre-approves deals in 24 hours because we understand that in markets from Mar Vista to Highland Park, slow financing equals lost opportunities. We structure financing around how you actually invest, not how some manual says you should.

Fix & Flip Loans

Fix & Flip Loans

LA's housing stock ranges from Spanish colonials to mid-century moderns to contemporary boxes, and each style attracts different buyers at different price points. We finance acquisition and renovation together based on after repair value, so you're leveraging the property's future worth instead of its current distressed state. Choose 12-, 18-, or 24-month terms with interest-only payments that don't drain your reserves while you're managing contractors and permits. We turn around draw requests in 24 to 48 hours after inspection because we know delayed capital means delayed projects, and delayed projects kill profit margins in competitive markets.

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New Construction Loans

New Construction Loans

Building anything means dealing with city bureaucracy, union labor, and material costs that can change weekly. Our Los Angeles hard money lenders fund single-family and multifamily residential projects with draw schedules that follow actual construction progress, not theoretical timelines created by people who've never been on a job site. Our underwriting looks at location, market demand, and your construction track record. Whether you're building spec homes in Encino or multifamily units in Culver City, we've funded enough construction to know what actually works.

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Bridge Loans

Bridge Loans

LA's market creates situations where you need money now and you'll have money later. That's exactly what bridge loans solve. Maybe you're selling another property, waiting on permanent financing to process, or need to grab an opportunity before your capital becomes liquid. Our 6- to 12-month bridge terms give you the flexibility to move when opportunities appear instead of watching them go to investors who already lined up their financing. Investors use our bridge products for auction properties, off-market deals, and transitions between different investment phases.

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DSCR Loans

DSCR Loans for Rental Properties

SoCal's economy runs on entertainment, tech, international business, and tourism, all of which create consistent rental demand across the metro area. Our debt service coverage ratio (DSCR) loans qualify properties based on rental income, not your personal tax returns or employment history. Whether you're financing vacation rentals in Santa Monica, corporate housing in Playa Vista, or traditional rentals in the San Fernando Valley, we consider whether the rent covers the mortgage. If it does, our hard money lenders in Los Angeles will take this into consideration along with your credit score to determine approval.

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What makes Unitas different?

  1. The Power of a Bank, The Speed of a Partner.
    We operate with $4.5 billion in institutional capital, so you never wonder whether we can actually fund your LA deal regardless of size. But we're not a bank with committees, policies, and bureaucrats who've never invested in real estate. We're a direct lender where you work with the actual decision-makers. This combination gives you institutional financial strength with entrepreneurial speed.

  2. More Ways to Say ‘Yes’ to Your Deal.
    Banks have underwriting formulas, and if your deal doesn't fit perfectly, they reject it regardless of merit. We look at each opportunity individually. Strong property? Realistic exit plan? Solid market? We figure out how to structure financing that works instead of automatically saying no. We customize terms, adjust structures, and solve problems instead of hiding behind policies that were written by people who don't understand real estate investment.

  3. Certainty from a Direct Lender.
    We lend our own money. We don't broker deals to other lenders, we don't sell loans to secondary markets, and we don't depend on warehouse lines that disappear when markets get choppy. When we approve your loan, that's the final decision. No committees reviewing it later, no funding falling through at the last minute, no surprises. In LA's competitive market where you're often up against cash buyers, this certainty makes you a serious buyer that sellers and agents take seriously.

  4. Faster Funding, Faster Draws.
    Getting to closing in 10 days is critical, but what happens after closing matters just as much. We process draw requests in 24 to 48 hours after inspection completion, so your renovation or construction project moves at the speed of actual work instead of the speed of our internal processes. Most projects need about 10 draws start to finish, and we treat number 10 the same as number 1 with urgency and professionalism.

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Get Pre-Approved in 24 Hours!
LA deals move fast, and if your financing doesn't keep pace, you lose. Fill out the form below and get a real pre-approval in 24 hours. We focus on property value and deal structure, not mountains of personal financial documentation that delays decisions while the property goes to someone else.

Frequently Asked Questions

What types of investment properties do you finance?

We finance business-purpose real estate across Los Angeles County. We finance single-family homes, multifamily buildings, townhomes, condos, mixed-use residential. If it's an investment property, we can finance it. We do fix-and-flip loans, ground-up construction, bridge financing, and DSCR rental property loans. Everything goes through business entities such as LLCs or corporations. We don't do consumer mortgages or owner-occupied financing.

How quickly can you close on a Los Angeles investment property?

Ten business days with complete documentation. We'll pre-approve you in 24 hours. Final approval typically takes 3 to 5 business days depending on title and appraisal. Banks need 30 to 45 days minimum, which is why serious LA investors who need to compete choose hard money lending over conventional financing that loses deals.

What are your loan-to-cost ratios for Los Angeles fix-and-flip projects?

We go up to 92.5% loan-to-cost on qualified projects, covering both purchase and renovation. Actual LTC depends on the property, neighborhood, your experience, and project scope. We underwrite on after repair value and your exit strategy, whether you're selling or refinancing. Rates start at 8.99% with terms built around your timeline and approach.

Do you require personal income verification for DSCR loans?

No. As Los Angeles hard money lenders, we qualify rental properties on their income potential, not your W-2s or tax returns. The question is simple: does the rent cover the debt service? In LA's strong rental market, that often works out well. You'll need business entity docs and proof of liquidity for down payment and reserves, but we're not asking for personal income verification.

What areas of Los Angeles do you serve?

We offer private loans for real estate investors in Los Angeles County, including in Echo Park, Sherman Oaks, Koreatown, Inglewood, Mar Vista, Highland Park, Santa Monica, Playa Vista, San Fernando Valley, Encino, Culver City, Downtown LA, Beverly Hills, Pasadena, Long Beach.

Ready to Fund Your Next Los Angeles Real Estate Investment?

LA's market doesn't wait for anyone, and neither should your financing. Whether you're flipping your first property or building a portfolio across the Westside, Unitas Funding brings the capital, speed, and expertise to help you compete and win. Stop losing deals to investors with better financing. Talk to us today.

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