Missouri’s Trusted Hard Money Lender for Real Estate Investors

In a competitive market, timing is everything—and traditional bank timelines can cost you the deal. Unitas Funding provides private capital solutions for builders, landlords, and real estate investors across Missouri, including St. Louis, Kansas City, Columbia, Springfield, and Jefferson City. 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 Missouri and nearby markets like Kansas City, we structure deals so investors can execute quickly and protect momentum.

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Fast, Reliable Capital

Direct-lender execution reduces closing friction when timelines are tight and sellers expect certainty. Backed by institutional capital and direct-lender agility, Unitas Funding supports investors throughout Missouri—from Columbia to Jefferson City—with transparent terms, hands-on guidance, and closing certainty.

Fix & Flip Loans

Fix & Flip Loans

Investors use our fix & flip loans in Missouri for value-add rehabs, light-to-heavy renovations, and turnaround projects across markets like St. Louis, Kansas City, and Columbia. 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 Missouri support infill builds, small multifamily, and redevelopment projects in areas such as Kansas City and Springfield. 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 Missouri bridge loans provide interim financing for inventory takeouts, bridge-to-perm transitions, and short-term repositioning in markets like St. Louis and Jefferson City. 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 Missouri are designed for investors focused on rental portfolio scaling across long-term and furnished rental strategies across Columbia, Springfield, 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 Missouri and nearby markets like St. Louis and Kansas City. Our direct lending model eliminates the bureaucratic delays common with traditional banks, helping investors close on schedule.

  2. More Ways to Say “Yes” to Your Deal.
    Traditional lenders rely on rigid formulas. Unitas evaluates each deal on its individual merits. In Missouri, that flexibility helps investors move in submarkets such as Columbia and Springfield. 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 St. Louis, Kansas City, Columbia, Springfield, and Jefferson City. Reliable capital reduces execution risk across acquisition, rehab, and stabilization timelines.

  4. Faster Funding, Faster Draws.
    Construction momentum depends on responsive capital. Unitas delivers fast draw releases tied to clear milestones. Investors across Missouri—including Kansas City and Jefferson City—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 Missouri Real Estate Investment?
    Missouri doesn’t slow down—and neither should your capital. Whether you’re renovating in St. Louis, building in Springfield, or scaling rentals across Columbia and Jefferson City, 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 Missouri. Close in as little as 10 days with Unitas Funding.

Frequently Asked Questions

Who qualifies for hard money loans in Missouri?

Investors scaling portfolios across Missouri—including investors active in St. Louis and Kansas City—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 Missouri real estate investment loan?

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

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

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

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

Is income verification required for investment property loans in Missouri?

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

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

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

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

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

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

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 Missouri and nearby markets such as St. Louis.

Do you provide funding across Missouri?

Yes. Funding is available throughout Missouri, including St. Louis, Kansas City, Columbia, Springfield, and Jefferson City, 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 Missouri 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 Missouri and markets like Kansas City.

Ready to Fund Your Next Missouri Real Estate Investment?

Missouri'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 Missouri 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!