Michigan’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 Michigan, including Detroit, Grand Rapids, Ann Arbor, Lansing, and Flint. 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 Michigan and nearby markets like Grand Rapids, we structure deals so investors can execute quickly and protect momentum.

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Fast, Reliable Capital

Predictable approvals and clear steps reduce execution risk across acquisitions and construction timelines. Backed by institutional capital and direct-lender agility, Unitas Funding supports investors throughout Michigan—from Ann Arbor to Flint—with transparent terms, hands-on guidance, and closing certainty.

Fix & Flip Loans

Fix & Flip Loans

Investors use our fix & flip loans in Michigan for BRRRR-aligned rehabs and resale projects where ARV drives leverage across markets like Detroit, Grand Rapids, and Ann Arbor. 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 Michigan support infill builds, small multifamily, and redevelopment projects in areas such as Grand Rapids and Lansing. 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 Michigan bridge loans provide interim financing for inventory takeouts, bridge-to-perm transitions, and short-term repositioning in markets like Detroit and Flint. 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 Michigan are designed for investors focused on cash-flow based rental acquisitions and refinance strategies across Ann Arbor, Lansing, 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 delivers well-capitalized funding with hands-on, investor-first execution. Serving investors across Michigan and nearby markets like Detroit and Grand Rapids. We make fast decisions, communicate clearly, and keep closings predictable because we deploy our own capital.

  2. More Ways to Say “Yes” to Your Deal.
    Traditional lenders rely on rigid formulas. Unitas evaluates each deal on its individual merits. In Michigan, that flexibility helps investors move in submarkets such as Ann Arbor and Lansing. That flexibility helps investors secure capital for deals that don’t fit standard checklists but make sense on fundamentals.

  3. Certainty from a Direct Lender.
    Unitas funds with its own capital, not third-party syndication that can change at the last minute. That matters when you’re executing deals across Detroit, Grand Rapids, Ann Arbor, Lansing, and Flint. Reliable capital reduces execution risk across acquisition, rehab, and stabilization timelines.

  4. Faster Funding, Faster Draws.
    Fast funding and fast draws keep schedules intact—especially on rehab-heavy projects. Investors across Michigan—including Grand Rapids and Flint—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 Michigan Real Estate Investment?
    Michigan doesn’t slow down—and neither should your capital. Whether you’re renovating in Detroit, building in Lansing, or scaling rentals across Ann Arbor and Flint, 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 Michigan. Close in as little as 10 days with Unitas Funding.

Frequently Asked Questions

Who qualifies for hard money loans in Michigan?

Investors scaling portfolios across Michigan—including investors active in Detroit and Grand Rapids—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 Michigan real estate investment loan?

At minimum, share the address, purchase terms or payoff, rehab budget, and timeline. For properties in Michigan and nearby markets like Ann Arbor, 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 Michigan?

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

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

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

Is income verification required for investment property loans in Michigan?

Many programs emphasize the property rather than pay stubs. DSCR loans in Michigan rely on cash flow coverage, while rehab and construction financing focus on ARV, budget, and feasibility across markets such as Grand Rapids and Ann Arbor.

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

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

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

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

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

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 Michigan and nearby markets such as Detroit.

Do you provide funding across Michigan?

Yes. Funding is available throughout Michigan, including Detroit, Grand Rapids, Ann Arbor, Lansing, and Flint, 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 Michigan 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 Michigan and markets like Grand Rapids.

Ready to Fund Your Next Michigan Real Estate Investment?

Michigan'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 Michigan 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!