Minnesota’s Trusted Hard Money Lender for Real Estate Investors

When the right investment property hits the market, conventional financing often can’t move fast enough. Unitas Funding provides private capital solutions for builders, landlords, and real estate investors across Minnesota, including Minneapolis, St. Paul, Bloomington, Maple Grove, and Eden Prairie. 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 Minnesota and nearby markets like St. Paul, 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 Minnesota—from Bloomington to Eden Prairie—with transparent terms, hands-on guidance, and closing certainty.

Fix & Flip Loans

Fix & Flip Loans

Investors use our fix & flip loans in Minnesota for acquisition-plus-rehab financing for cosmetic updates and full-scope renovations across markets like Minneapolis, St. Paul, and Bloomington. 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 Minnesota support infill builds, small multifamily, and redevelopment projects in areas such as St. Paul and Maple Grove. 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 Minnesota bridge loans provide interim financing for auction and off-market acquisitions, payoff timelines, and stabilization periods in markets like Minneapolis and Eden Prairie. 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 Minnesota are designed for investors focused on rental portfolio scaling across long-term and furnished rental strategies across Bloomington, Maple Grove, 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 Minnesota and nearby markets like Minneapolis and St. Paul. Because we control the process from term sheet through funding, investors get clarity, speed, and consistent execution.

  2. More Ways to Say “Yes” to Your Deal.
    Where banks default to “no,” Unitas asks better questions and structures practical solutions. In Minnesota, that flexibility helps investors move in submarkets such as Bloomington and Maple Grove. 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.
    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 Minneapolis, St. Paul, Bloomington, Maple Grove, and Eden Prairie. 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 Minnesota—including St. Paul and Eden Prairie—benefit from a process built for momentum. Responsive draws help contractors stay on schedule and reduce the risk of delays caused by funding gaps.

  5. Ready to Fund Your Next Minnesota Real Estate Investment?
    Minnesota doesn’t slow down—and neither should your capital. Whether you’re renovating in Minneapolis, building in Maple Grove, or scaling rentals across Bloomington and Eden Prairie, 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 Minnesota. Close in as little as 10 days with Unitas Funding.

Frequently Asked Questions

Who qualifies for hard money loans in Minnesota?

Builders and landlords across Minnesota—including investors active in Minneapolis and St. Paul—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 Minnesota real estate investment loan?

At minimum, share the deal terms, scope of work, budget, and planned exit strategy. For properties in Minnesota and nearby markets like Bloomington, 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 Minnesota?

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

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

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

Is income verification required for investment property loans in Minnesota?

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

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

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

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

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

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

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 Minnesota and nearby markets such as Minneapolis.

Do you provide funding across Minnesota?

Yes. Funding is available throughout Minnesota, including Minneapolis, St. Paul, Bloomington, Maple Grove, and Eden Prairie, 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 Minnesota 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 Minnesota and markets like St. Paul.

Ready to Fund Your Next Minnesota Real Estate Investment?

Minnesota'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 Minnesota 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!