Nashville, TN’s Trusted Hard Money Lender for Real Estate Investors

Serious investors in Nashville turn to hard money lenders when traditional banks move too slowly or say no. Unitas Funding provides private loans backed by institutional capital and a seasoned underwriting team that understands investment numbers.

Our private loans for Nashville real estate investors are built around your deal, your exit strategy, and your timeline. Whether you are flipping in East Nashville, adding value in Antioch, or building rentals in Madison or surrounding suburbs, you get clear terms, fast answers, and a lending partner focused on helping you scale.

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Fast, Reliable Capital for Your Next Real Estate Deal

Unitas offers hard money loans that can close in as few as 10 business days once your file is complete, far faster than most banks. You receive asset based lending that focuses on property value, after repair value (ARV), and loan-to-cost, not stacks of personal tax returns, so you can move quickly when a strong real estate investment loan opportunity appears.

Fix & Flip Loans

Fix & Flip Loans

Our fix and flip loan programs cover purchase and rehab for Nashville projects, using ARV driven underwriting and high loan-to-cost ratios on qualifying deals. Funds are structured as a private real estate loan for your LLC or business entity, with interest only payments and flexible fix & flip financing terms so you can focus on construction and resale.

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New Construction Loans

New Construction Loans

For investors doing ground up construction lending, including infill single family homes, small multifamily, or spec builds, Unitas provides new construction funding with staged draws tied to inspections. You get a construction loan that matches your build schedule and budget so materials, labor, and carrying costs stay on track.

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Bridge Loans

Bridge Loans

Use a bridge loan as gap financing when you need to close before permanent financing is ready or while you stabilize income. We fund short-term real estate financing for acquisitions, quick refinances, and time sensitive opportunities, so you do not have to walk away from a profitable Nashville deal because the bank is not ready.

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DSCR Loans

DSCR Loans for Rental Properties

If you are using the BRRRR method to build a rental portfolio in Nashville, our debt service coverage ratio (DSCR) loan programs focus on the property’s income, not your W 2s. We offer rental property loan options for single family, small multifamily, and portfolios, based on debt coverage and market rents, ideal for long-term holds after your value add work is complete.

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What Makes Unitas Different?

  1. The Power of a Bank, The Speed of a Partner
    Unitas combines institutional backing, more than $4.5 billion in funded collateral based loans through our capital partner, with the responsiveness of a private money lender. You get the stability of large scale capital plus direct contact with decision makers who understand hard money lending and investment strategies.

  2. More Ways to Say ‘Yes’ to Your Deal
    Compared with many hard money lenders in Nashville, our criteria for loan approval are not based on personal income. We work with value-add projects, heavy rehabs, new construction, and complex exit strategies in Nashville, structuring private loans for real estate investors that reflect real projects instead of rigid bank rules. If the numbers and exit make sense, we work to find a path.

  3. Certainty from a Direct Lender
    Unitas is a direct lender, not a broker sending your hard money loan request to someone else. When we issue terms and approve your file, you gain a higher level of certainty that your funds will be there at closing. That reliability matters when you are under contract and competing with cash buyers on an investment property loan.

  4. Faster Funding, Faster Draws
    Speed continues after closing. Our draw process for fix and flip, bridge, and construction loans uses third party inspections and typical draw approvals within 24 to 48 hours after reports, so your contractors keep moving. Most Nashville projects use several draws, and our team manages each one with clear updates and documentation.
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Get Pre-Approved in 24 Hours!
Send us your deal summary and entity information, and in many cases you receive a same day or next day pre approval and term sheet. From there, our team moves you through valuation, title, and closing so your hard money lending is ready when the seller is ready.

Frequently Asked Questions

What types of investment properties do you finance?

We finance non owner occupied investment properties including single family homes, townhomes, small multifamily buildings, and certain mixed use assets in and around Nashville, all as business purpose real estate investment loans to entities only.

How quickly can you close on a Nashville investment property?

With a complete file, many Nashville investors close in as few as 10 business days, depending on appraisal, title, and third party reports. Pre approval often comes within 24 hours so you can write offers with confidence backed by our committed hard money lenders in Nashville.

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

For strong Nashville fix and flip projects, we can lend high loan-to-cost percentages, up to 92.5 percent on certain programs, subject to ARV, experience, and overall deal strength. All fix & flip financing terms vary based on full underwriting, property type, and market conditions at the time of approval.

Do you require personal income verification for DSCR loans?

For a DSCR loan, we focus on rental income, expenses, and the property’s debt service coverage ratio, rather than your personal income documents, although we still review credit, reserves, and entity information as part of prudent asset-based lending.

What areas of Nashville do you serve?

We work with investors across the greater Nashville TN area, including East Nashville, Germantown, Sylvan Park, Antioch, Madison, and nearby Middle Tennessee communities, subject to property type, value, and local guidelines for each private money loan.

Ready to Fund Your Next Nashville Real Estate Investment?

Tell us about your next fix and flip, bridge loan, construction loan, or rental property loan and partner with a Nashville hard money lender that understands investors. Business-purpose loans for investment properties only. Not a commitment to lend. All loans subject to credit approval and underwriting. Unitas will solely lend to business entities and will not lend to individuals and will only do loans for a business purpose rather than consumer purpose. Nothing on this website should be construed to solicit business in the following states: NV, WA, OR, UT. Unitas will solely accept applications from licensed brokers in those states and does not accept any direct applications from borrowers as a result of being a wholesale lender only in those states.

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