Norman, OK's Trusted Hard Money Lender for Real Estate Investors

Norman's competitive market punishes slow capital. Traditional bank financing timelines—stretching into weeks—mean losing properties to investors who close in days. We execute closings within 10 business days, giving you competitive positioning in Norman's market. We're not here to tell you maybe. We're here to fund deals.

We specialize in private loans for real estate investors in Norman and throughout Oklahoma. Whether you're flipping properties, building new construction, securing bridge financing, or scaling a rental portfolio, we focus on your property's value and exit strategy. Thousands of successful loans and $4.5 billion in deployments back up our commitment to investor success.

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Fast, Reliable Capital for Your Next Norman Deal

Competing in Norman requires reliable funding partners. With rates beginning at 8.99%, LTC up to 92.5% for qualified projects, and 24-hour pre-approval timelines, we deliver. Terms match your deal, not templates.

Fix & Flip Loans

Fix & Flip Loans

Renovation investments across Norman demand construction capital that performs. Our fix-and-flip programs leverage after-repair value for loan amounts, covering purchase and rehab. Choose from 12-, 18-, or 24-month terms, structured interest-only. Draws process in 24-48 hours post-inspection.

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New Construction Loans

New Construction Loans

Developing properties across Norman means working with construction-savvy lenders. We fund residential projects with draws matching completion milestones. Beginning at 8.99% with build-specific terms. Both construction knowledge and capital strength matter.

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Bridge Loans

Bridge Loans

Capital needs sometimes require interim solutions in Norman. Whether closing early or awaiting other transactions, our bridge loans run 12 months of financing. Use bridge capital for auctions, off-market deals, and transition periods.

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DSCR Loans

DSCR Loans for Rental Properties

Portfolio growth in Norman through property-based qualification. Our DSCR loans assess rental income against debt obligations. Available across short-term, mid-term, and long-term strategies. Cash flow matters, not personal income verification.

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What Makes Unitas Different in Norman

  1. Strong Balance Sheet, Investor Focus
    Backed by $4.5 billion in institutional capital, funding availability is never uncertain at closing. But we're not a bank drowning in committees and policies—we're a direct lender purpose-built for real estate investors. You get financial stability combined with decision-making speed and flexibility.

  2. Flexible Evaluation for Complex Deals
    Traditional lenders use rigid qualification boxes. If your Norman deal doesn't fit their template perfectly, you're declined. We evaluate deals based on property fundamentals, local market conditions, and whether your exit strategy makes financial sense. We build loan structures around your specific project requirements.
  3. Direct Lending Means Direct Answers
    We own our capital. We're not brokers marketing your deal to multiple lenders, and we don't sell loans to secondary markets that might disappear when volatility hits. When we issue an approval, that approval is final. No surprise committee reviews, no funding falling through three days before closing.

  4. Fast Closings, Fast Construction Funding
    Closing in 10 business days gets you into the property. Our draw requests process in 24-48 hours after inspection completion. Your Norman renovation or construction project moves at the speed of actual work, not internal bureaucracy. Most projects require approximately 10 draws, and each one receives the same urgent processing as your initial funding.

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Get Pre-Approved in 24 Hours
Stop losing Norman deals to investors with faster financing. We deliver real pre-approvals in 24 hours—not meaningless pre-qualifications, but actual approvals that give you credibility when making offers. Our focus is on property value and deal structure, not endless personal documentation.

Frequently Asked Questions

What types of investment properties do you finance in Norman?

We finance business-purpose real estate throughout Norman and Oklahoma: single-family homes, multifamily properties, townhomes, and mixed-use residential buildings. We fund fix-and-flip projects, new construction, bridge loans, and DSCR rental property acquisitions. All loans must be made through business entities—we don't provide consumer mortgages or owner-occupied financing.

How quickly can you close on a Norman investment property?

10 business days with complete documentation. We deliver pre-approvals in 24 hours, and final approvals typically occur within 3-5 business days depending on title clearance and property valuation completion. Compare that to 30-45 days minimum for traditional banks, and you'll understand why serious Norman investors choose hard money lending over conventional financing.

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

We offer loan-to-cost ratios up to 92.5% on qualified fix-and-flip projects in Norman, covering both purchase price and renovation budget. Actual LTC depends on property type, location, your experience level, and project scope. We underwrite based on after-repair value and your exit strategy. Rates start at 8.99%, and we customize terms to match your specific project timeline and investment plan.

Do you require personal income verification for DSCR loans in Norman?

No. Our DSCR loans in Norman qualify based on the rental property's income potential, not your personal W-2s, tax returns, or employment history. We evaluate whether the property generates sufficient rent to cover debt service. You'll need to provide business entity documentation and demonstrate liquidity for down payment and reserves, but we're not requesting personal income verification that delays everything.

What areas of Norman do you serve?

We provide private real estate loans throughout Norman, surrounding Oklahoma communities, and the entire metro area. We lend in both urban and suburban markets across the region. Whether your property is located in Norman proper or nearby towns throughout Oklahoma, we have the local market knowledge and lending appetite to support your investment.

Ready to Fund Your Next Norman Real Estate Investment?

Sometimes, markets move too fast for slow capital. While your competitors wait weeks for bank approvals, you could already be under contract with Unitas backing your offer. Our Norman hard money lenders have funded 4,718 deals because we understand what investors need. Speed without sacrificing certainty. Flexibility without hidden surprises. Institutional backing without institutional bureaucracy. Tell us about your next deal and we’ll show you exactly how we can help you close it.


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