Oklahoma City’s Trusted Hard Money Lender for Real Estate Investors

When opportunity knocks in Oklahoma City's competitive real estate market, traditional bank financing can't keep pace. Whether you're eyeing a promising fix-and-flip, a ground-up construction project, or a rental property, you need capital that moves as fast as you do. Unitas Funding provides hard money loans designed specifically for real estate investors who refuse to let financing slow down their growth.

We're more than just hard money lenders in Oklahoma City. We're partners in your success. With $5 billion in funded loans and the entrepreneurial flexibility to customize every deal, Unitas combines the reliability you'd expect from a major bank with the speed and personal attention of a dedicated partner. Our team understands Oklahoma City's unique neighborhoods, market dynamics, and investment opportunities because we've helped thousands of investors just like you close deals across the city and beyond.

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Fast, Reliable Capital for Your Next Real Estate Deal

Time kills deals. That's why Unitas Funding closes private loans for Oklahoma City real estate investors in as little as 10 days, not the 30- to 45-day timelines typical of traditional lenders. Our streamlined application process, experienced underwriting team, and direct lending model mean you get same-day pre-approvals and certainty that "yes truly means yes." When you find that perfect investment property, you'll have the confidence to make competitive offers knowing your financing is locked in.

Fix & Flip Loans

Fix & Flip Loans

Oklahoma City's aging housing stock creates exceptional fix-and-flip opportunities for investors who can move quickly. Our fix-and-flip loans provide up to 92.5% loan-to-cost financing with rates starting at 8.99%, covering both your purchase price and renovation costs. We underwrite based on the property's after repair value (ARV), not rigid credit boxes, giving you the leverage to maximize returns on every project. Whether you're renovating a Victorian rowhome or transforming a property in Oklahoma City, our flexible terms and fast draw processing keep your project moving forward.

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New Construction Loans

New Construction Loans

Ground-up construction projects require lenders who understand the complexities of building from scratch. Unitas provides new construction funding for single-family spec homes and multifamily developments throughout Oklahoma City and the surrounding areas. Our staged draw process ties funding to construction milestones with 24-48 hour turnaround on draw requests after inspection completion. We bring institutional capital and construction expertise to every project, ensuring you have the resources and guidance to complete your development on time and on budget.

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Bridge Loans

Bridge Loans

Gap financing shouldn't derail your investment strategy. Our bridge loans provide short-term capital when you need to secure a property quickly, transition between projects, or stabilize a property while arranging permanent financing. Oklahoma City's fast-moving market demands lenders who can close in days, not weeks. Unitas delivers the speed and certainty you need to capture time-sensitive opportunities before your competition.

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DSCR Loans

DSCR Loans for Rental Properties

Building a rental portfolio in Oklahoma City requires financing that focuses on property performance, not personal income documentation. Our debt service coverage ratio (DSCR) loans qualify based on the property's rental income potential rather than your W-2s or tax returns. Whether you're acquiring short-term rentals, mid-term rentals for traveling professionals, or long-term holds in established neighborhoods, our asset-based lending approach streamlines approval and lets property fundamentals drive your qualification.

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What makes Unitas different?

  1. The Power of a Bank, The Speed of a Partner
    We combine institutional credibility with entrepreneurial agility. Our billions of dollars in backed capital provides the security and reliability of a major financial institution, while our direct lending model and experienced team deliver the personalized service and rapid decision-making of a true partner. You get the best of both worlds. You get confidence that your funding is secure and the speed to close deals before opportunities disappear.

  2. More Ways to Say 'Yes' to Your Deal
    Traditional lenders operate within rigid boxes. Unitas takes a different path. Our flexible underwriting considers your specific project, exit strategy, and deal structure rather than forcing you into standardized requirements. We customize loan terms around your investment timeline and goals, finding creative solutions when other lenders simply say no. Our mission is simple. Figure it out together and help you succeed.

  3. Certainty From a Direct Lender
    When Unitas approves a private loan, Oklahoma City real estate investors can count on it. As a direct lender, we own our capital rather than selling loans to secondary markets. That means no last-minute surprises, no funding freezes, and no uncertainty about whether your deal will actually close. Our approval is your approval. Period. This reliability becomes especially critical during market volatility when conduit lenders face capital constraints.

  4. Faster Funding, Faster Draws
    Speed matters at every stage of your project. We close loans in as little as 10 days with complete files, and our draw process maintains that momentum throughout your project. With fast turnaround on draw requests after inspection completion and no arbitrary limits on draw frequency, you keep your contractors working and your project on schedule.

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Get Pre-Approved in 24 Hours!

Ready to move forward? Our streamlined pre-approval process gets you answers fast. Submit your project details below, and our Oklahoma City lending team will review your deal and provide a preliminary term sheet within 24 hours. Whether you're a first-time investor or a seasoned portfolio builder, we'll work with you to structure financing that matches your strategy and timeline. Let's discuss your next Oklahoma City real estate investment.

Frequently Asked Questions

What types of investment properties do you finance?

Unitas finances residential investment properties including single-family homes, multifamily properties, mixed-use buildings, and new construction developments. We provide fix-and-flip loans, bridge financing, ground-up construction funding, and DSCR rental property loans throughout Oklahoma City and the surrounding areas. All loans are business-purpose only through LLCs or corporate entities. We do not lend to individuals for personal residential use.

How quickly can you close on an Oklahoma City investment property?

We close hard money loans in Oklahoma City in as little as 10 business days with a complete file. Most straightforward deals receive same-day pre-approvals and final approval within 3-5 business days, depending on title clearance and property valuation completion. Our direct lending model and experienced underwriting team eliminate the delays typical of traditional banks, giving you the speed to compete in Oklahoma City's fast-moving market.

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

Unitas provides up to 92.5% loan-to-cost financing on qualified fix-and-flip projects, with rates starting at 8.99%. Actual LTC ratios and rates vary based on property location, borrower experience, project scope, and market conditions. We underwrite based on after repair value (ARV) and your exit strategy, focusing on deal fundamentals rather than rigid credit requirements. Contact our team for specific terms on your Oklahoma City project.

Do you require personal income verification for DSCR loans?

No. Our DSCR loans are asset-based, qualifying on the property's rental income potential rather than your personal W-2s, 1099s, or tax returns. We analyze the property's debt service coverage ratio. That's the relationship between rental income and loan payments. We use that and your credit score to determine qualification. This streamlined approach eliminates personal income documentation requirements and focuses underwriting on what matters. Property performance and cash flow.

Ready to Fund Your Next Oklahoma City Real Estate Investment?

Stop waiting on traditional banks. Unitas Funding provides the fast, flexible capital you need to grow your real estate portfolio with confidence. Our trusted Oklahoma City hard money lenders, institutional backing, and investor-focused approach mean you get more than just a loan. You get a partner committed to your success. Contact us today to discuss your project and discover why thousands of investors trust Unitas for their real estate financing needs.

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