Miami's Trusted Hard Money Lender for Real Estate Investors

Ready to close faster and grow with confidence? Unitas Funding provides reliable capital for Miami real estate investors, builders, and landlords. With institutional backing, fast approvals, efficient draw schedules, and flexible terms, we keep your projects moving forward and building momentum.

As private money lenders, our Miami team delivers fix-and-flip financing, bridge loans, and new construction funding with clear terms and reliable closings. Our customer-first approach emphasizes speed, clarity, and service to help you compete and win in tight markets.

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Fast, Reliable Capital for Your Next Real Estate Deal

Backed by decades of industry experience and $4.5 billion in funded loans, Unitas Funding stands as Miami's trusted hard money lender. We offer fix-and-flip loans, new construction financing, bridge loans, and DSCR rental property loans with transparent terms and predictable draw schedules. Our direct lending approach delivers the speed and clarity investors need to act decisively and grow their portfolios with confidence.

Fix & Flip Loans

Fix & Flip Loans

Fuel your next investment with our fix-and-flip financing designed for competitive markets. Our short-term financing covers both acquisition and renovations, supporting your BRRRR strategy (buying, rehabbing, renting, refinancing, and repeating) with leverage up to 92.5% LTC and 75% AR-LTV. With fast closings and clear terms, you gain the confidence to make competitive offers and build your portfolio efficiently.

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New Construction Loans

New Construction Loans

Power your build with private construction loans tailored for ground-up construction projects. We support spec homes, residential developments, and mixed-use projects with our staged draw process aligned to construction milestones. Our transparent terms and responsive underwriting keep your project moving forward, while our experienced team provides the reliability and partnership builders count on.

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Bridge Loans

Bridge Loans

When timing matters, our bridge loans deliver gap financing without red tape. Perfect for investment property acquisitions that need quick action before permanent financing, our straightforward terms and transparent capital let you close on schedule. Count on reliable funding that moves at the speed of opportunity.

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DSCR Loans

DSCR Loans for Rental Properties

Scale your rental portfolio with DSCR loans that qualify based on property cash flow, not personal income verification. Our asset-based financing approach evaluates the debt service coverage ratio, making approval streamlined for investment property mortgages. Whether you're holding long-term rentals, STRs, or MTRs, our flexible landlord financing provides predictable terms and fast execution.

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What makes Unitas different?

  1. The Power of a Bank, The Speed of a Partner.
    We pair institutional capital strength with ample agility as a hard money lender in Miami. As your direct funding partner, we structure deals with clear terms and guide you through responsive support that moves at your pace.

  2. More Ways to Say ‘Yes’ to Your Deal.
    Our lending experts create financing solutions for unique investments and time-sensitive opportunities that others can't approve, giving you the underwriting flexibility and fast action needed to secure funding quickly.

  3. Certainty From a Direct Lender.
    As a direct hard money lender, our Miami team controls our capital and moves without delays. With transparent lending and secure funding, clients can count on fast closings and reliable loan approval.

  4. Faster Funding, Faster Draws.
    Timing matters. We process applications quickly, release draws promptly, and maintain proactive communication throughout your project to keep your projects on track and protect your profitability.

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Get Pre-Approved in 24 Hours!
Apply today and secure funding for your next investment property in Miami.

Frequently Asked Questions

What types of investment properties do you finance?

We provide hard money loans for single-family homes, condos, townhomes, and small multifamily properties used for investment purposes only. All loans are business-purpose financing, not for personal residence.

How quickly can you close on a Miami investment property?

We can close in as fast as 10 days once all documentation is complete. Our direct lending model eliminates broker delays and streamlines the approval process for faster access to capital.

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

We offer up to 92.5% LTC for fix-and-flip loans, with ARV-LTV up to 75%. Exact terms depend on property type, scope of work, and borrower experience.

Do you require personal income verification for DSCR loans?

No, our DSCR loans qualify based on the property's rental income potential rather than personal income documentation, making them ideal for portfolio growth and investment strategies.

What areas of Miami do you serve?

We provide hard money lending throughout Miami-Dade County and all of Florida, including Miami Beach, Coral Gables, Aventura, and surrounding metropolitan areas.

Ready to Fund Your Next Miami Real Estate Investment?

Stop waiting for traditional lenders to catch up with your timeline. We provide the speed, flexibility, and reliability in private lending that Miami real estate investors need to capitalize on opportunities. Contact Unitas Funding today or apply now, and experience the difference direct lending can make for your portfolio.

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