Newark’s Trusted Hard Money Lender for Real Estate Investors

Need fast funding for your next real estate deal? As hard money lenders serving Newark, Unitas Funding provides reliable capital for fix-and-flip loans, new construction loans, bridge loans, and DSCR loans for rental properties. We deliver fast approvals, flexible terms, and transparent processes that keep your investments moving forward with confidence.

As hard money lenders backed by institutional capital, we specialize in private loans for Newark real estate investors. Our programs include fix & flip financing, new construction funding, bridge loans, and DSCR loans designed to match your investment strategy and timeline.

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Fast, Reliable Capital for Your Next Real Estate Deal

Unitas Funding serves as your direct lending partner for real estate investments. Our Newark hard money lenders provide fix-and-flip loans, new construction loans, bridge financing, and DSCR loans for rental properties with competitive leverage ranges and clear terms. Our institutional backing ensures reliable funding when you need it most.

Fix & Flip Loans

Fix & Flip Loans

Secure properties and fund renovations with a single loan designed for speed and flexibility. Our fix & flip loans provide capital for purchase and rehab, aligning with ARV-based exits or BRRRR (buying, rehabbing, renting, refinancing, and repeating) refinances. Access up to 92.5% LTC and up to 75% ARV-LTV across 12–24 month terms, preserving liquidity for materials, labor, and contingencies. Predictable inspection-based draws keep contractors paid and projects advancing on schedule.

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New Construction Loans

New Construction Loans

Finance your Newark ground-up projects with private construction loans structured around your build timeline. We fund land acquisition, vertical construction, and finishing work through a milestone-based draw system tied to inspections. Leverage up to 85% LTC and up to 75% ARV-LTV with terms extending 12–24 months. Our underwriting team reviews budgets, timelines, and contractor credentials to ensure your spec home or custom build stays funded through completion.

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Bridge Loans

Bridge Loans

Capture time-sensitive opportunities with bridge loans that deliver interim capital while you arrange long-term solutions. Use gap financing to close auctions, acquire off-market deals, or stabilize occupancy before transitioning to longer term loans. Access up to 80% LTC and up to 75% ARV-LTV with 12-month terms and straightforward exit paths. We move quickly on properties requiring light repositioning or short holding periods.

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DSCR Loans

DSCR Loans for Rental Properties

Expand your rental holdings with DSCR loans that underwrite on projected property income rather than borrower income. This asset-based lending model evaluates debt service coverage ratio, streamlining approval for long-term rentals, short-term rentals, and medium-term rental strategies. Secure up to 75% LTC and up to 80% ARV-LTV with rate-and-term structures that support portfolio scaling and cash flow stability.

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What makes Unitas different?

  1. The Power of a Bank, The Speed of a Partner.
    We deploy institutional capital through a direct lending model, eliminating broker layers and third-party delays. You receive clear leverage ranges, defined draw triggers, and consistent communication from application through final funding.

  2. More Ways to Say ‘Yes’ to Your Deal.
    Whether flipping, building, bridging, or holding, our underwriting adapts to your strategy.  We structure fix & flip, new construction, bridge, and DSCR loans around your timeline, experience, and exit plan, reducing friction at every stage.

  3. Certainty From a Direct Lender.
    We control our capital and decision-making, providing firm commitments and transparent terms from day one. No marketplace uncertainty, just reliable funding backed by disciplined underwriting and clear documentation requirements.

  4. Faster Funding, Faster Draws.
    Timing matters when an opportunity presents itself. Our streamlined loan process can deliver closings in as few as 10 days for fast construction draw releases. With fast funding and responsive communication, we keep your projects on track.

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Get Pre-Approved in 24 Hours!
Apply today and secure funding for your next investment property in Newark.

Frequently Asked Questions

What types of investment properties do you finance?

We finance fix-and-flip properties, new construction projects, rental properties, and bridge financing for all types of residential investment real estate throughout Newark and New Jersey, focusing exclusively on business-purpose loans.

How quickly can you close on investment properties?

We close in as few as 10 days. Preapprovals and term sheets can be issued the same day. Final approvals depend on obtaining clear title and property valuation, with our hybrid property valuations taking as few as 3-5 business days.

What leverage and terms do you offer across loan programs?

Fix & flip: up to 92.5% LTC, up to 75% ARV-LTV, 12–24 month terms. New construction: up to 85% LTC, up to 75% ARV-LTV, 12–24 month terms. Bridge: up to 80% LTC, up to 75% ARV-LTV, 12 month term. DSCR: up to 75% LTC, up to 80% ARV-LTV, 12–24 month terms. Loan amounts up to $2.5M.

Do you require personal income verification for DSCR loans?

No, our DSCR loans qualify based on the property's projected cash flow, debt service coverage ratio, and credit history, not personal income documentation, making them ideal for portfolio growth.

Do you lend to investors with limited experience?

Yes. We evaluate both new and seasoned investors, structuring loans based on deal strength, budget accuracy, and exit clarity. First-time investors should provide detailed scopes, contractor references, and realistic timelines. We'll outline any additional requirements during underwriting.

Ready to Fund Your Next Newark Real Estate Investment?

Move your deal forward with a lender that delivers clear terms and reliable timelines. Apply now and receive an approval decision within a day. Contact our Newark hard money lenders to learn more about how we can help you invest confidently!

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