About us

INSTITUTIONAL CAPITAL. ZERO INSTITUTIONAL FRICTION.

Most lenders slow you down. Unitas Funding gets you to the closing table.

The RTL Gold Standard: The Fidelis and Unitas integration drives smart residential transition lending market growth by cultivating the right brokers, borrowers, and lenders — secured by a disciplined credit culture.

Unitas is directly owned and powered by Fidelis Investors — a performance-driven team that cultivates the right borrowers, brokers, and lenders through a disciplined credit culture. As experts in residential credit, Fidelis has spent over a decade managing billions of dollars in assets for investors who know and trust them.

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A Capital Partnership Built for Growth

Unitas isn't just a lender — it's your entry point into a tiered capital ecosystem built and backed by Fidelis Investors. Borrowers who demonstrate consistent performance and disciplined execution gain access to expanded capital structures, including warehouse lines and whole loan programs. Your track record here becomes your path to more.

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Backed by Fidelis. Built for Your Deal.

Unitas executes the deal. Fidelis funds the scale.

For borrowers and brokers who demonstrate consistent execution, the Unitas platform opens doors to deeper capital relationships — structured and supported by Fidelis Investors. Every level is earned. Progression is conditioned on meeting performance requirements, which means the capital behind you grows as your track record proves itself.

LEVEL PROGRAM FUNDING STRUCTURE ACCESS
Entry Borrower Sponsor Unitas Funded Direct loan origination
Builder Broker White Label Unitas Funded Co-branded loan programs
Advanced Broker-to-Banker (Ascend) Fidelis Supported Dedicated banker relationship
Institutional Warehouse / Repo Line Fidelis Supported Credit facility access
Elite Correspondent Lender / Whole Loan Sale Fidelis Supported Institutional exit channels
Your performance earns your position. We reward disciplined credit behavior with deeper capital access — from your first fix-and-flip to your first whole loan sale.

The RTL Market's Most Differentiated Capital Platform

The Unitas + Fidelis partnership delivers what the RTL market rarely gets in one place:

  • Consistent, high-quality loans with standardized underwriting
  • A predictable pipeline of whole loans
  • Scalable multichannel loan sourcing across brokers and borrowers
  • Returns driven by disciplined credit quality — not yield-chasing

You get institutional depth with boutique responsiveness. Reliable liquidity at scale, combined with responsive service from loan officers who know your market and your business.

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Your Capital Partner Is One Message Away. 

Why Experienced Investors Work With Unitas

Speed That Wins Competitive Bids

In markets where multiple offers are standard, a 10-day close-to-funding timeline gives you the edge. Pre-approvals and term sheets delivered same-day mean you can make offers with confidence and credibility.

Maximum Leverage, Minimum Capital Deployment

Up to 92.5% LTC and full renovation funding means your capital stays liquid for the next opportunity. Scale your portfolio velocity without tying up cash in every project.

Term Sheet Integrity

When we issue terms, they don't change at closing. No last-minute rate adjustments. No surprise conditions. Your reputation with sellers and agents stays intact because our commitments are reliable.

Underwriting That Understands Your Market

We evaluate deal merit and your track record—not just a credit algorithm. Whether you're closing your first flip or your 50th, you work directly with a loan officer who understands your local dynamics and project goals.

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Loan Programs Built for Active Deal Flow

Fix & Flip Loans

Fix & Flip Loans

Short-term bridge financing for rapid property repositioning and value-add projects.


Loan Amount: Up to $4.5M 

Leverage: Up to 92.5% LTC | Up to 75% AR-LTV

Terms: 12-, 18-, or 24-month options

Best For: Quick rotations, BRRRR method, resale exits

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New Construction Loans

New Construction Loans

Ground-up funding for spec builds and development projects with staged draw process.


Loan Amount: Up to $4.5M 

Leverage: Up to 85% LTC | Up to 75% AR-LTV

Terms: 12-, 18-, or 24-month options

Best For: Single-family spec, multi-unit residential, mixed-use

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Bridge Loans

Bridge Loans

Interim financing for time-sensitive acquisitions requiring rapid execution.


Loan Amount: Up to $4.5M 

Leverage: Up to 80% LTC | Up to 75% AR-LTV

Terms: 12-month

Best For: Gap financing, property stabilization, conventional loan transitions

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How We're Different

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Model-Based Transparency

No more "black box" underwriting. Our industry-leading loan calculator shows you exactly why a deal qualifies or what to adjust to get it across the finish line. See real-time leverage scenarios, cash flow projections, and qualification thresholds before you ever submit an application.

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Flexible Strategy Alignment

We don't believe one size fits all. Our programs flex to match your specific investment goals—whether you're executing quick flips, building a rental portfolio, or developing ground-up projects. Your strategy drives our structure, not the other way around.

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The Best of Both Worlds

You get deep institutional capital backing (through our partnership with Fidelis Investors) paired with a people-first boutique approach. That means reliable liquidity at scale combined with responsive service from loan officers who know your market and your business.

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Proven Reliability

Whether you're a first-time investor or a seasoned pro, we have the market expertise to be your most trusted capital partner. Our underwriting focuses on deal merit and your experience level—not rigid formulas that ignore context. When market conditions shift, our capital commitment doesn't.

We're more than just hard money lenders — we’re also partners in your growth

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