Madison, WI's Trusted Hard Money Lender for Real Estate Investors

Madison's isthmus geography keeps land tight and demand high, with the University of Wisconsin and a booming health-tech corridor drawing renters and buyers who outpace new supply. Investors renovating Near East Side duplexes or repositioning rentals on Willy Street are working in a market where speed to close often decides who wins the deal.

Unitas Funding provides private real estate loans for investors throughout Madison and Dane County — fix-and-flip, new construction, bridge, and DSCR rental financing up to $4.5M. With $4.5 billion funded nationally, we bring the certainty Madison investors need to compete.

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Fast, Reliable Capital for Your Next Madison Deal

Madison's stable, education- and healthcare-driven economy supports some of the Midwest's strongest rent growth and lowest vacancy rates. Unitas offers rates from 8.99%, up to 92.5% loan-to-cost, and pre-approval in 24 hours across Dane County.

Fix & Flip Loans

Fix & Flip Loans

Tenney-Lapham and Atwood's early-1900s housing stock rewards investors who preserve character while updating mechanicals and finishes for Madison's competitive resale market. Unitas funds acquisition and rehab together so investors can close before the next offer comes in.

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New Construction Loans

New Construction Loans

Infill and duplex development near the Near East Side and Atwood continues as Madison works to add density close to the isthmus. Our construction loans fund the full build cycle with 24-48 hour draws to keep Wisconsin crews on schedule through the state's shorter build season.

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Bridge Loans

Bridge Loans

Need to close on a Shorewood Hills acquisition before your permanent financing is in place? Unitas bridge loans give Madison investors the short-term capital to secure deals without losing momentum.

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DSCR Loans

DSCR Loans for Rental Properties

Madison's University- and healthcare-driven rental demand makes DSCR loans an effective tool for investors building portfolios near campus or on the near east side. We qualify the property's cash flow, not your personal tax returns.

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What Makes Unitas Different in Madison

  1. Institutional Resources, Direct Access
    Backed by $4.5 billion in institutional capital, Unitas never leaves a Madison closing waiting on funds — while operating as a direct lender that gives real answers in hours, not weeks.

  2. Local Madison Market Expertise
    Our team understands Dane County's tight isthmus market, from Willy Street's rental density to Shorewood Hills' single-family stock, and prices deals accordingly.
  3. Speed That Protects Your Margin
    24-48 hour draw turnaround keeps Madison rehab and construction projects moving through Wisconsin's compressed building season.

  4. A Track Record Built in Madison
    We've funded deals across Tenney-Lapham, Atwood, and the Near East Side, earning the trust of Madison investors and agents who need certainty of close.

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Get Pre-Approved in 24 Hours
Ready to move on your next Madison 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 Madison?

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

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

Qualified Madison investors can access up to 92.5% loan-to-cost, covering both acquisition and renovation budget.

Does Unitas finance duplex and small multifamily construction in Madison?

Yes, our new construction program funds duplex and infill multifamily projects throughout Dane County, including near-campus and near east side locations.

How does DSCR financing work for Madison rental properties?

DSCR loans qualify based on the property's rental income relative to debt service, not personal income, which suits Madison's strong student and workforce rental demand.

What parts of Dane County does Unitas serve?

We fund deals throughout Dane County, including Fitchburg, Middleton, Sun Prairie, and Verona, in addition to Madison proper.

Ready to Fund Your Next Madison Real Estate Investment?

Unitas Funding delivers the fast, flexible private capital Madison investors need in one of the Midwest's tightest rental markets. From Near East Side renovations to Atwood infill construction, we fund projects across Dane County. Contact us today to discuss your Madison investment property financing.

Unitas Funding has funded 42+ deals for investors in and around Madison, WI.


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.