Paterson's Trusted Hard Money Lender for Real Estate Investors

Investors need capital that performs when opportunities surface. Unitas Funding connects you with direct private lending for Paterson real estate investors interested in renovations, spec builds, and rental holds. Count on straightforward leverage, rapid underwriting, and draw schedules built around your project milestones so you lock deals without waiting on slow approvals.

Our Paterson hard money lenders fund fix-and-flip loans, new construction loans, bridge loans, and DSCR loans for rental properties. Institutional resources meet investor-focused service, delivering reliable capital and transparent terms that keep your timeline intact.

shutterstock_2644509203

Fast, Reliable Capital for Your Next Real Estate Deal

Direct lending from Unitas Funding means you work with the capital source, not a middleman. Choose the program that fits your strategy (fix & flip financing for rehabs, ground-up construction funding for new builds, bridge financing for quick closes, or DSCR rental loans for cash-flowing assets). Access up to 92.5% LTC, ARV-LTV reaching 80%, and loan amounts to $2.5M. Share your property address, scope, and budget and you’ll receive our loan decision and proposed terms if approved the next business day.

Fix & Flip Loans

Fix & Flip Loans

Acquire and renovate properties through a single loan that covers purchase and rehab. Leverage up to 92.5% LTC and up to 75% ARV-LTV across 12–24 month terms, preserving liquidity for materials, contractors, and contingencies. Our fix & flip loans underwrite to after repair value (ARV), supporting quick resale exits or BRRRR (buying, rehabbing, renting, refinancing, and repeating). Inspection-based draws keep your crews paid and projects advancing without cash flow gaps.

Learn More
New Construction Loans

New Construction Loans

Launch spec homes or custom builds with private construction loans structured around your development timeline. Finance land acquisition, vertical construction, and finishing work through milestone-based draws tied to verified inspections. Access up to 85% LTC and up to 75% ARV-LTV with 12–24 month terms. Our underwriting reviews budgets, contractor credentials, and timelines to ensure your ground-up project stays funded from permits through certificate of occupancy.

Learn More
Bridge Loans

Bridge Loans

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

Learn More
DSCR Loans

DSCR Loans for Rental Properties

Expand your rental holdings with DSCR loans that underwrite on projected property income and the investor’s credit history rather than proof of the borrower’s income. This asset-based lending model evaluates debt service coverage ratio, streamlining approvals 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 predictable monthly payments across your rental assets.

Learn More


What makes Unitas different?

  1. The Power of a Bank, The Speed of a Partner.
    Institutional capital meets direct decision-making, eliminating broker layers and marketplace delays. Receive firm leverage ranges, defined draw triggers, and consistent communication from application through final funding on your projects.

  2. More Ways to Say ‘Yes’ to Your Deal.
    Flexible underwriting adapts to your strategy, whether flipping, building, bridging, or holding. Our Paterson hard money lenders structure fix & flip, new construction, bridge, and DSCR programs around your timeline, experience, and exit plan, reducing friction at every stage of your investment.

  3. Certainty From a Direct Lender.
    Control over our capital and decision-making provides firm commitments and transparent terms from day one. No marketplace uncertainty or third-party approvals, just reliable funding backed by disciplined underwriting and clear documentation requirements for your New Jersey deals.

  4. Faster Funding, Faster Draws.
    We understand you need to move fast when opportunity knocks. With our straightforward loan process, you can close in as little as 10 days and receive fast construction draws. With expedited funding and a responsive lending team, we make sure your projects stay profitable and on track.

shutterstock_2218681047 (1)

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

Frequently Asked Questions

How quickly can Unitas close on a real estate deal?

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

Do you require income verification for investment loans?

No. Our loans are based on your down payments and various forms of liquidity verification and credit history, not personal income documentation. This makes qualification faster for investors with multiple properties or complex income structures.

What leverage and term options do your programs offer?

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 terms. DSCR: up to 75% LTC, up to 80% ARV-LTV, 12–24 month terms. Loan amounts up to $2.5M across all programs.

What documentation do I need to apply for an investment property loan?

You must apply through a business entity (LLC or corp), not as an individual. Provide a credit report, background check, purchase and sale agreement, EIN letter, certificate of good standing, bank statements, and government-issued ID. We'll review your submission and provide proposed terms within one business day.

Can investors with limited experience qualify?

Yes. Our hard money lenders work with Paterson investors at all experience levels, evaluating deal quality, budget accuracy, exit clarity, and credit history. First-time investors should provide detailed scopes, contractor credentials, and realistic timelines. We'll specify any additional requirements during the underwriting process.

Ready to Fund Your Next Paterson Real Estate Investment?

Move your deal forward with a lender that delivers clear terms and reliable timelines. Apply now and get a loan approval decision in one day. Reach out to Unitas Funding to learn why real estate investors in Paterson trust us for private loans.

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