Milwaukee, WI’s Trusted Hard Money Lender for Real Estate Investors

Real estate investors need capital that moves fast. Traditional banks take 30 to 45 days to close loans. That timeline loses deals. Unitas Funding closes hard money loans in Milwaukee in 10 days or less. We provide the speed you need to compete with cash buyers while maintaining the leverage that maximizes your returns.

We've funded over 10,000 loans totaling $5 billion in real estate investments. Our team understands Milwaukee's market from Bay View to Riverwest, from historic renovations in Walker's Point to new construction in Brookfield. We analyze property value and your exit strategy, not tax returns. That difference gets deals approved that banks reject.

shutterstock_2644509203

Fast, Reliable Capital for Your Next Real Estate Deal

We own our capital. That means when we approve your hard money loan in Milwaukee, it stays approved. No secondary market investors changing terms at closing. No loan committees reversing decisions. Milwaukee investors work with us because we close on time with the exact terms we quoted. Speed means nothing without reliability. We deliver both.

Fix & Flip Loans

Fix & Flip Loans

We finance purchase price and renovation costs based on after repair value. Loans go up to 92.5% of total project costs on qualified deals. Rates start at 8.99%. You make interest-only payments during renovation, keeping monthly costs low. We release funds through draws tied to work completion. Our team reviews your budget and timeline before approval to catch problems early. Terms run 12, 18, or 24 months depending on your project scope.

Learn More
New Construction Loans

New Construction Loans

We fund ground-up construction for single-family homes and small multifamily projects. Our draw process releases money as you complete milestones like foundation, framing, mechanicals, and finishes. Inspections happen within 48 hours of your request. Approved draws fund within 24 hours after that. We work with experienced builders and first-time developers who have solid plans and realistic budgets.

Learn More
Bridge Loans

Bridge Loans

Bridge loans give you 6 to 12 months to secure properties, complete light renovations, or stabilize operations before refinancing. Milwaukee investors use bridge financing for auction properties, off-market deals, and strategy transitions. We focus on property equity and your exit plan. If you can show how you'll repay or refinance within the bridge period, we can structure terms that work.

Learn More
DSCR Loans

DSCR Loans for Rental Properties

Our DSCR loans qualify based on property income, not your personal tax returns. We check if the rent covers the mortgage payment with adequate margin. No W-2s required. No employment verification. You verify down payment funds and provide business entity documents. That's it. This works for self-employed investors, portfolio builders, or anyone whose tax returns don't show their real financial capacity. Terms go up to 30 years with interest-only options available.

Learn More


What makes Unitas different?

  1. The Power of a Bank, The Speed of a Partner
    We have institutional backing from Fidelis Investors with $4.5 billion in transaction experience. We also have decision-making authority that keeps deals moving. Our underwriters approve private loans for Milwaukee investors the same day they receive complete files. No committee meetings. No waiting for secondary approvals. You get capital stability and fast execution.

  2. More Ways to Say ‘Yes’ to Your Deal
    We evaluate each project individually. Unusual property type? We assess the actual market. Complex entity structure? We work through it. Tight timeline? We adjust our process. Milwaukee investors tell us they appreciate that we solve problems instead of walking away. After funding thousands of deals, we know profitable investments often don't fit standard boxes.

  3. Certainty from a Direct Lender
    We use our own capital to fund every private loan for Milwaukee real estate investors. Our approval is final. No rate changes. No term adjustments. No funding delays from secondary investors. When we commit to your Milwaukee property, you can sign the purchase agreement knowing the financing will close.

  4. Faster Funding, Faster Draws
    We process draws in 24 to 48 hours after inspection completion. Most lenders batch requests weekly or monthly. We process them as you complete work. This keeps projects moving and reduces your carrying costs. Our inspection team covers Milwaukee and surrounding areas with 48-hour scheduling. Faster draws mean shorter projects and lower costs.

shutterstock_2218681047 (1)

Get Pre-Approved in 24 Hours!
We provide pre-approvals within 24 hours and close hard money loans in Milwaukee in 10 days or less. Our team has financed properties in every neighborhood. We understand local market dynamics, property values, and renovation costs. Apply today for transparent rates, clear communication, and reliable execution.

Frequently Asked Questions

What types of investment properties do you finance?

We finance residential investment properties held in business entities. Single-family homes, small multifamily buildings, condos, and townhomes used for fix-and-flip, rental income, or new construction. All loans serve business purposes only. Properties must be owned by LLCs or corporations, not individuals. We work throughout Milwaukee and Wisconsin on fix-and-flip projects, bridge financing, ground-up construction, and rental acquisitions.

How quickly can you close on a Milwaukee investment property?

Complete files close in 7 to 10 business days. Pre-approvals happen within 24 hours. Term sheets generate within 3 to 5 business days with full documentation. Closing speed depends on title work, appraisal scheduling, and how fast you provide documents. Time-sensitive deals get priority. If you need to close in 10 days, we make it happen.

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

Qualified projects get up to 92.5% loan-to-cost financing. Rates start at 8.99%. Actual terms depend on property location, your experience, credit profile, and deal specifics. We finance purchase and renovation based on after repair value. Experienced investors with conservative projections and proven track records get higher leverage. First-time flippers get lower initial leverage but receive guidance to structure deals for approval.

Do you require personal income verification for DSCR loans?

No. DSCR loans qualify on property cash flow. We check if rental income covers the mortgage with adequate margin. No W-2s. No tax returns. No employment verification. You verify down payment funds and provide business entity documents. We underwrite the property's income potential, not your personal finances.

What areas of Milwaukee do you serve?

We finance properties throughout Milwaukee, West Allis, Wauwatosa, Greenfield, Oak Creek, Franklin, Cudahy, South Milwaukee, Shorewood, Whitefish Bay, Glendale, Brown Deer, and Brookfield. Coverage includes Milwaukee County, Waukesha County, Ozaukee County, Washington County, and Racine County. We operate nationwide except as a wholesale lender in Nevada, Washington, Oregon, and Utah.

Ready to Fund Your Next Milwaukee Real Estate Investment?

Unitas Funding provides the speed, flexibility, and capital you need to compete in Milwaukee's market. Our Milwaukee hard money lenders combine real estate expertise, construction knowledge, and institutional lending experience. Contact us today for a 24-hour pre-approval. Let's structure financing that supports your profit goals.

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