Montana's Trusted Hard Money Lender for Real Estate Investors

Montana's population has grown quickly as remote workers and retirees move to its mountain towns. Bozeman, Missoula, and the Flathead Valley around Kalispell and Whitefish have seen strong demand, while Billings remains the state's largest city and its business center.

Unitas Funding offers Montana investors fix-and-flip, new construction, bridge, and DSCR rental loans. Treasure State projects can finance up to 92.5% of total cost at rates from 8.99%, backed by $4.5 billion in funded loans.

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Fast, Reliable Capital for Your Next Montana Deal

Limited housing supply in Montana's growth towns means good deals move fast. Unitas pre-approves in 24 hours and closes most loans in about 10 business days.

Fix & Flip Loans

Fix & Flip Loans

 Older homes in Billings, Great Falls, Helena, and Missoula's university district are good candidates for updates. Unitas funds purchase and rehab together, with 12-, 18-, or 24-month interest-only terms 

 

 

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New Construction Loans

New Construction Loans

Demand for new homes remains strong in Gallatin and Flathead counties. Our construction loans fund the full build and release draws in 24–48 hours, which matters in a short building season.

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Bridge Loans

Bridge Loans

Need to close on a Montana property before your current one sells? A Unitas bridge loan lets you secure the deal now.

 

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DSCR Loans

DSCR Loans for Rental Properties

Montana State University, the University of Montana, Malmstrom Air Force Base, and visitors to Glacier and Yellowstone national parks support rental demand. Our DSCR loans qualify on the property's rent.

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What Makes Unitas Different in Montana

  1. Built for a Short Season
    Montana builders have limited months to work outside. Draws funded in 24–48 hours help keep every week productive.

  2. Mountain West Experience
    We understand how Bozeman and Whitefish values differ from Billings and Great Falls, and we underwrite each deal on its own numbers.
  3. Direct Lender Speed
    Unitas decides in-house, so Montana investors get answers in hours.

  4. Deep Capital
    $4.5 billion funded means Unitas can support your Montana projects as you grow.

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Get Pre-Approved in 24 Hours
Have a Montana property in mind? Send us your deal and get a pre-approval in 24 hours.

Frequently Asked Questions

How fast can Unitas close a hard money loan in Montana?

Most Montana loans close within 10 business days of a complete application.

Does Unitas finance new construction in Montana?

Yes. We fund ground-up construction across Montana, including Gallatin and Flathead counties.

 

What leverage can I get on a Montana fix-and-flip?

Qualified investors can finance up to 92.5% of total project cost.

Can I use a DSCR loan for a Montana rental?

Yes. Our DSCR loans qualify the property on its rental income. We review local rental rules during underwriting.

Which Montana cities does Unitas serve?

We lend statewide, including Billings, Bozeman, Missoula, Great Falls, Helena, Kalispell, Whitefish, and Butte.

Ready to Fund Your Next Montana Real Estate Investment?

Unitas Funding gives Montana investors fast, reliable capital in one of the Mountain West's fastest-changing markets. From Billings renovations to new homes near Bozeman, we fund projects across the state. Contact us today to discuss your next Montana investment.


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