Maine’s Trusted Hard Money Lender for Real Estate Investors

Real estate opportunities don’t wait for slow approvals. Investors need capital that keeps pace. Unitas Funding provides private capital solutions for builders, landlords, and real estate investors across Maine, including Portland, South Portland, Biddeford, Bangor, and Lewiston. Expect quick approvals, streamlined draw schedules, and terms built around timelines and exits.Whether you need fix & flip financing, bridge loans, DSCR loans for rentals, or new construction funding, we move with speed and reliability. As experienced private money lenders serving Maine and nearby markets like South Portland, we structure deals so investors can execute quickly and protect momentum.

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Fast, Reliable Capital

Direct-lender execution reduces closing friction when timelines are tight and sellers expect certainty. Backed by institutional capital and direct-lender agility, Unitas Funding supports investors throughout Maine—from Biddeford to Lewiston—with transparent terms, hands-on guidance, and closing certainty.

Fix & Flip Loans

Fix & Flip Loans

Investors use our fix & flip loans in Maine for acquisition-plus-rehab financing for cosmetic updates and full-scope renovations across markets like Portland, South Portland, and Biddeford. We underwrite with a focus on After-Repair Value (ARV), so you can maximize leverage for acquisition and renovation while keeping execution disciplined.

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New Construction Loans

New Construction Loans

Our private construction loans in Maine support infill builds, small multifamily, and redevelopment projects in areas such as South Portland and Bangor. With a staged draw process tied to clear inspections and milestones, capital releases stay aligned with progress from site work through vertical build-out.

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Bridge Loans

Bridge Loans

When timing matters, our Maine bridge loans provide interim financing for inventory takeouts, bridge-to-perm transitions, and short-term repositioning in markets like Portland and Lewiston. Use bridge capital to close quickly, stabilize assets, or transition to permanent financing without losing the deal to slower lenders.

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DSCR Loans

DSCR Loans for Rental Properties

Our DSCR loans in Maine are designed for investors focused on long-term rentals, mid-term/furnished strategies, and portfolio growth across Biddeford, Bangor, and surrounding communities. These asset-based rental loans qualify based on property income—helping landlords scale without traditional income verification bottlenecks.

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What makes Unitas different?

  1. The Power of a Bank, The Speed of a Partner.
    Unitas Funding pairs institutional reliability with direct-lender agility. Serving investors across Maine and nearby markets like Portland and South Portland. Our direct lending model eliminates the bureaucratic delays common with traditional banks, helping investors close on schedule.

  2. More Ways to Say “Yes” to Your Deal.
    Where banks default to “no,” Unitas asks better questions and structures practical solutions. In Maine, that flexibility helps investors move in submarkets such as Biddeford and Bangor. We consider scope, budget, market conditions, and your execution plan to tailor terms that fit the investment.

  3. Certainty from a Direct Lender.
    As a direct lender, Unitas owns the capital we lend—so when we say yes, it means yes. That matters when you’re executing deals across Portland, South Portland, Biddeford, Bangor, and Lewiston. You avoid last-minute funding failures and unexpected term changes caused by third-party capital constraints.

  4. Faster Funding, Faster Draws.
    Construction momentum depends on responsive capital. Unitas delivers fast draw releases tied to clear milestones. Investors across Maine—including South Portland and Lewiston—benefit from a process built for momentum. Clear milestones and quick releases support consistent progress throughout the project lifecycle.

  5. Ready to Fund Your Next Maine Real Estate Investment?
    Maine doesn’t slow down—and neither should your capital. Whether you’re renovating in Portland, building in Bangor, or scaling rentals across Biddeford and Lewiston, Unitas Funding delivers the leverage and certainty needed to close on schedule.

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Get Pre-Approved in 24 Hours!
Apply today and secure funding for your next investment property in Maine. Close in as little as 10 days with Unitas Funding.

Frequently Asked Questions

Who qualifies for hard money loans in Maine?

Value-add operators across Maine—including investors active in Portland and South Portland—are typically a strong fit when speed and certainty matter. A defined scope, realistic budget, and clear exit plan help approvals move quickly.

What documents are required to apply for a Maine real estate investment loan?

At minimum, share the address, purchase terms or payoff, rehab budget, and timeline. For properties in Maine and nearby markets like Biddeford, adding photos, contractor bids, and a timeline can accelerate underwriting and reduce back-and-forth.

What credit score do I need for a hard money loan in Maine?

Credit is reviewed, but approvals are primarily asset-based and deal-driven. In Maine, collateral strength, leverage, and a feasible execution plan—especially for projects in Bangor—often matter more than a single score threshold.

Do you lend to first-time real estate investors in Maine?

Yes. First-time investors in Maine can qualify with conservative leverage and a credible plan, particularly when working in markets like Portland. Using experienced contractors and presenting a detailed scope strengthens the file.

Is income verification required for investment property loans in Maine?

Many programs emphasize the property rather than pay stubs. DSCR loans in Maine rely on cash flow coverage, while rehab and construction financing focus on ARV, budget, and feasibility across markets such as South Portland and Biddeford.

How long does the hard money approval process take in Maine?

Initial feedback and term sheets can often be issued quickly once deal details are submitted. Final approval depends on valuation and title, with many Maine closings completed in roughly 10 days—even for time-sensitive opportunities in Lewiston.

Why choose Unitas Funding over other hard money lenders in Maine?

Direct-lender execution, transparent terms, and predictable draws reduce uncertainty during acquisition and construction. That reliability matters in Maine when you’re coordinating closings and contractors across areas like Biddeford and Bangor.

How is a hard money lender different from a bank in Maine?

Banks typically rely on rigid documentation and longer approval cycles. Hard money loans are underwritten to the asset and business plan, enabling faster decisions for value-add and transitional properties throughout Maine and nearby markets such as Portland.

Do you provide funding across Maine?

Yes. Funding is available throughout Maine, including Portland, South Portland, Biddeford, Bangor, and Lewiston, for business-purpose investment properties. Eligibility depends on the asset type, leverage, and exit plan—not a specific city boundary.

How do I apply for a Maine hard money loan with Unitas Funding?

Submit the property address, purchase terms, budget and scope, and your target closing date. After review, we coordinate valuation and title steps to move efficiently toward funding for deals across Maine and markets like South Portland.

Ready to Fund Your Next Maine Real Estate Investment?

Maine's market doesn't slow down, and neither should your capital. At Unitas Funding, we deliver the institutional backing and direct lending speed that wins deals. Whether you're renovating properties, developing spec homes, or building a rental portfolio across the metro area, our hard money lenders provide Maine real estate investors the leverage and certainty you need to close on schedule. Submit your application now, and let's turn your next opportunity into a funded project!