Lowell, MA's Trusted Hard Money Lender for Real Estate Investors

Lowell's identity as America's original mill town has become an asset for investors — the historic brick mills along the canals now anchor a redevelopment wave that's spreading into Belvidere's Victorian housing and the Highlands' triple-deckers. With Greater Boston pricing pushing buyers further out, Lowell's relative affordability keeps demand strong for investors who can close fast.

Unitas Funding provides private real estate loans for investors throughout Lowell and Middlesex County — fix-and-flip, new construction, bridge, and DSCR rental financing up to $4.5M. With $4.5 billion funded nationally, we bring the speed Lowell investors need to compete with Greater Boston capital.

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Fast, Reliable Capital for Your Next Lowell Deal

Lowell's below-Boston-metro pricing combined with UMass Lowell's growing enrollment and steady in-migration supports strong margins for flippers and reliable cash flow for rental investors. Unitas offers rates from 8.99%, up to 92.5% loan-to-cost, and pre-approval in 24 hours.

Fix & Flip Loans

Fix & Flip Loans

Belvidere and the Highlands' Victorian and triple-decker housing stock rewards investors who restore period character while modernizing systems for buyers priced out of closer-in Boston suburbs. Unitas funds acquisition and rehab budget together so Lowell flippers can close and start work fast.

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New Construction Loans

New Construction Loans

Mill-building conversions and infill near the National Historical Park district and Pawtucketville continue as Lowell's redevelopment momentum builds. Our construction loans fund the full build cycle with 24-48 hour draws to keep Massachusetts crews on schedule.

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Bridge Loans

Bridge Loans

Need to close on a Centralville acquisition before your permanent financing is finalized? Unitas bridge loans give Lowell investors the short-term capital to secure deals without losing momentum.

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DSCR Loans

DSCR Loans for Rental Properties

Lowell's UMass-driven student demand and steady in-migration from Greater Boston make DSCR loans an effective tool for investors building rental portfolios in the Highlands or Pawtucketville. We qualify the property's cash flow, not personal income.

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What Makes Unitas Different in Lowell

  1. Institutional Resources, Direct Access
    Backed by $4.5 billion in institutional capital, Unitas never leaves a Lowell closing waiting on funds — while operating as a direct lender that gives real answers in hours.

  2. Local Lowell Market Expertise
    Our team understands Middlesex County's mill-town redevelopment, from Belvidere's Victorian housing to canal-district conversions, and prices deals accordingly.
  3. Speed That Protects Your Margin
    24-48 hour draw turnaround keeps Lowell rehab and construction projects moving through New England's compressed build season.

  4. A Track Record Built in Lowell
    We've funded deals across the Highlands, Pawtucketville, and Centralville, building the track record Lowell investors and agents trust.

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Get Pre-Approved in 24 Hours
Ready to move on your next Lowell deal? Submit your scenario and get a same-day term sheet from a direct lender — no committees, no runaround.

Frequently Asked Questions

How fast can Unitas close a hard money loan in Lowell?

Most Lowell transactions close within 10 business days of a completed application, with our team coordinating directly with Middlesex County title companies.

What loan-to-cost is available for Lowell fix-and-flips?

Qualified investors can access up to 92.5% loan-to-cost, covering acquisition and renovation budget for Belvidere and Highlands projects.

Does Unitas fund mill-building conversions in Lowell?

Yes, our construction and bridge programs can fund adaptive reuse projects in Lowell's historic mill buildings, in addition to traditional new construction.

Does Unitas finance rental properties near UMass Lowell?

Yes, our DSCR program funds rental properties throughout the UMass Lowell corridor, qualifying the property's income rather than personal tax returns.

What parts of Middlesex County does Unitas serve besides Lowell?

We fund deals throughout Middlesex County and the Merrimack Valley, including Chelmsford, Dracut, and Tewksbury.

Ready to Fund Your Next Lowell Real Estate Investment?

Unitas Funding delivers the fast, flexible private capital Lowell investors need to compete in one of Massachusetts's most actively redeveloping mill towns. From Belvidere restorations to canal-district conversions, we fund projects throughout Middlesex County. Contact us today to discuss your Lowell investment property financing.

Unitas Funding has funded 39+ deals for investors in and around Lowell, MA.


Business-purpose loans for investment properties only. Not a commitment to lend. All loans subject to credit approval and underwriting. Rates, terms, and loan-to-cost vary based on borrower qualifications, property, and market conditions. Loan product availability may be limited in certain states.