Memphis, TN's Trusted Hard Money Lender for Real Estate Investors

When the perfect investment property hits the market, you don't have weeks to wait for traditional bank approvals. You need capital that moves as fast as the city's real estate market. Unitas Funding provides hard money loans in Memphis designed specifically for real estate investors who understand that timing separates profitable deals from missed opportunities. Whether you're targeting a fix-and-flip in Cooper-Young, ground-up construction in Germantown, or rental property acquisition in Midtown, we deliver the speed and flexibility Memphis investors demand.

We're more than just hard money lenders. Our Memphis team is more like a group of partners in your growth, backed by $4.5 billion in institutional capital and a track record of 4,718 successfully funded loans. Our team combines deep construction knowledge with institutional lending expertise, creating a lending experience that feels personal while delivering the reliability of a major financial institution. From first-time flippers to seasoned portfolio builders managing multiple projects, Memphis investors choose Unitas because we understand that every deal has unique requirements and every investor deserves customized solutions.

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Fast, Reliable Capital for Your Next Real Estate Deal

Memphis real estate moves quickly. Auction properties, off-market deals, and competitive bidding situations require lenders who can deliver pre-approvals in 24 hours and close in as few as 10 business days. Unitas Funding provides short-term real estate financing with rates starting at 9.25% and loan-to-cost ratios up to 92.5%, giving you the leverage to maximize returns while maintaining capital efficiency. Our private loans for Memphis real estate investors focus on property value and your exit strategy, not rigid credit boxes that slow down approvals and limit your deal-making capacity.

Fix & Flip Loans

Fix & Flip Loans

Memphis's housing stock presents consistent opportunities for value-add investors. Our fix and flip loans provide purchase and renovation financing based on After Repair Value (ARV), enabling you to acquire properties with confidence and execute rehabs that maximize profit margins. We structure terms around your specific timeline and exit strategy, offering 12-, 18-, and 24-month options with interest-only payments that preserve cash flow during construction. Whether you're renovating historic homes in Central Gardens or updating properties in Cordova, our draw process keeps capital flowing as your project progresses, with typical turnaround times of 24-48 hours after inspection completion.

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New Construction Loans

New Construction Loans

Ground-up construction projects require lenders who understand the complexities of building from scratch. Our new construction funding supports single-family spec homes and multifamily residential developments throughout Memphis and surrounding areas. We provide staged draws tied to construction milestones and property inspections, ensuring capital availability matches your project timeline. With deep construction knowledge and institutional lending expertise, our team evaluates projects based on market fundamentals and your development experience, not cookie-cutter formulas that miss the nuances of Memphis's diverse neighborhoods.

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Bridge Loans

Bridge Loans

Gap financing solves timing challenges that traditional lenders can't accommodate. When you need to secure a property quickly while awaiting permanent financing, refinancing an existing asset, or transitioning between investment strategies, our bridge loans provide 6-12 month terms designed for speed and flexibility. Memphis investors use bridge financing to capture time-sensitive opportunities, stabilize properties before converting to long-term rentals, or bridge the gap between property sale and new acquisition. We structure terms around your specific situation, providing clarity and certainty when timing matters most.

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DSCR Loans

DSCR Loans for Rental Properties

Building a rental portfolio in Memphis requires financing that scales with your investment strategy. Our Debt Service Coverage Ratio (DSCR) loans qualify based on property income potential, not personal income verification. Whether you're acquiring short-term rentals near Graceland, mid-term rentals for corporate housing, or traditional long-term holds in East Memphis, we underwrite based on the property's ability to generate cash flow. This asset-based approach eliminates the documentation burden of traditional lending while providing the capital you need to grow your portfolio systematically.

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What makes Unitas different?

  1. The Power of a Bank, The Speed of a Partner
    We combine institutional capital backing with entrepreneurial thinking. Our $4.5 billion in funded loans provides the financial strength you expect from major lenders, while our direct lending model delivers the responsiveness and flexibility you need from a true partner. Unlike traditional banks that require 30-45 days for approvals, we close in as few as 10 business days. Unlike smaller private money lenders with limited capital, we have the resources to fund multiple deals simultaneously and support your growth as your portfolio expands.

  2. More Ways to Say ‘Yes’ to Your Deal.
    Traditional lenders operate within rigid credit boxes that automatically reject deals failing to meet standardized criteria. We take a different approach. Our underwriting team evaluates each project individually, focusing on property fundamentals, market conditions, and your exit strategy. This flexibility means we can structure creative solutions for complex deals, adjust terms to match your specific timeline, and find pathways to approval when other lenders say no. Our mission is clarity and transparency, not arbitrary restrictions that limit your investment potential.

  3. Certainty from a Direct Lender.
    When Unitas says yes, it truly means yes. As a direct lender, we own our capital and make our own underwriting decisions. You're not waiting for secondary approval committees or dealing with the uncertainty of conduit lenders who sell loans to third parties. This direct relationship provides reliability during market volatility and ensures that approved deals actually close. Our institutional backing and direct lending model proved particularly valuable during the April 2022 market disruption, when conduit lenders faced funding freezes while direct lenders like Unitas continued funding projects without interruption.

  4. Faster Funding, Faster Draws
    Construction projects require responsive capital management. Our draw process features 24-48 hour turnaround times after inspection reports are completed, keeping your projects moving forward without unnecessary delays. We understand that construction timelines are unpredictable and that rigid draw schedules can create cash flow challenges. Our flexible approach allows unlimited draw requests within reasonable ranges, with most projects requiring approximately 10 draws from start to completion. This responsiveness separates successful projects from those stalled by lender bureaucracy.

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Get Pre-Approved in 24 Hours!
Ready to move forward with your Memphis investment property? Complete the form below to start your pre-approval process. Our team will review your project details and provide a preliminary term sheet within 24 hours, giving you the certainty you need to make competitive offers and close deals quickly. Whether you're pursuing your first fix-and-flip or your fiftieth rental property acquisition, our hard money lenders provide Memphis investors with the capital, expertise, and partnership approach they trust.

Frequently Asked Questions

What types of investment properties do you finance?

We finance residential investment properties including single-family homes, multifamily properties, condos, and townhomes used for fix-and-flip, rental income, or new construction. Our private loans for Memphis real estate investors are business-purpose only, structured for LLCs and corporate entities rather than individual owner-occupants. We serve Memphis and surrounding areas including Germantown, Collierville, Cordova, Bartlett, and Lakeland, with lending capabilities throughout Tennessee and nationwide (excluding certain states where we operate as a wholesale lender only).

How quickly can you close on a Memphis investment property?

Our Memphis hard money lenders can close in as few as 10 business days with a complete file. Pre-approvals and term sheets are typically available within 24 hours of application submission. Final approval timelines depend on title clearance and property valuation completion, but our streamlined process consistently delivers faster closings than traditional bank financing, which typically requires 30-45 days minimum. Speed is a core differentiator for Unitas, enabling Memphis investors to compete effectively in time-sensitive situations.

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

We offer loan-to-cost ratios up to 92.5% on qualified fix-and-flip projects, with specific terms varying based on property type, location, borrower experience, and project scope. Our asset-based underwriting focuses on After Repair Value (ARV) and exit strategy rather than rigid formulas, allowing us to maximize leverage for strong deals while maintaining appropriate risk management. Rates start at 9.25%, with final pricing determined by credit profile, experience level, and deal-specific factors.

Do you require personal income verification for DSCR loans?

No. Our DSCR loans qualify based on the property's income potential and debt service coverage ratio, not your personal W-2s, tax returns, or employment history. This asset-based approach streamlines the approval process and focuses underwriting on what matters most: the property's ability to generate sufficient cash flow to cover debt service. We verify down payment liquidity and business entity documentation, but eliminate the extensive personal income documentation burden that traditional lenders require.

What areas of Memphis do you serve?

We serve Memphis and the greater metropolitan area including Germantown, Collierville, Cordova, Bartlett, Lakeland, Arlington, and surrounding Shelby County communities. Our lending capabilities extend throughout Tennessee and nationwide, with physical offices in New Jersey and Florida providing personalized support for investors who value in-person consultations. We also offer fast, remote service for experienced investors who prefer streamlined digital processes.

Ready to Fund Your Next Memphis Real Estate Investment?

Memphis's real estate market rewards investors who move decisively with reliable capital backing. Unitas Funding provides the speed, flexibility, and institutional strength you need to build wealth through real estate investment. Contact our Memphis hard money lenders today to discuss your next project and discover why thousands of investors trust Unitas as their long-term lending partner. Let's figure out how to make your deal work.


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