Phoenix's Trusted Hard Money Lender for Real Estate Investors

Investors looking to capitalize on tight timelines and off market opportunities turn to Unitas Funding for direct hard money lending on local projects. Our private loans offer Phoenix real estate investors capital for fix-and-flip properties, spec construction, and rental portfolios. With straightforward leverage options, responsive underwriting, and project-based draws, we help you move quickly when the right property hits the market.

Our Phoenix hard money lenders structure fix-and-flip loans, new construction loans, bridge loans, and DSCR rental loans with the needs of real estate investors in mind. With institutional scale behind us and a hands-on approach for each deal, you receive dependable funding, clear terms, and a process that respects your project schedule from acquisition through exit.

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Fast, Reliable Capital for Your Next Real Estate Deal

For your next real estate deal, direct lending through Unitas Funding means one relationship with the capital source instead of layers of intermediaries. Each lending track is aligned with common investor goals, whether you are focusing on rehab projects with fix-and-flip financing, ground-up construction funding, bridge financing for fast closings, or DSCR loans tailored to income-producing rentals. Our Phoenix hard money lenders provide up to 92.5% LTC, ARV LTV as high as 80%, and loan amounts up to $2.5M, and after you send the property address, project scope, and budget, our team typically returns a decision and proposed terms, if approved, by the next business day.

Fix & Flip Loans

Fix & Flip Loans

Our fix & flip loans combine purchase and renovation funds into one streamlined solution, so investors are not juggling multiple lenders or accounts. Up to 92.5% LTC and up to 75% ARV-LTV over 12 to 24 month terms help keep capital available for materials, contractor payments, and unexpected issues. Underwriting based on after repair value (ARV) creates room for quick resales or BRRRR strategies {buying, rehabbing, renting, refinancing, and repeating}. Inspection-based draw schedules keep crews funded and projects on track without strangling your cash flow.

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New Construction Loans

New Construction Loans

New construction loans through our private capital platform are designed around your development timeline, from dirt to finished product. Structures can include land purchase, vertical construction, and final punch list work, all supported by milestone-driven draws tied to confirmed inspections. Investors can obtain up to 85% LTC and up to 75% ARV-LTV with 12 to 24 month terms. Underwriting evaluates project budgets, builder experience, and schedules so that funding remains available from permitting through certificate of occupancy.

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Bridge Loans

Bridge Loans

Short-term bridge financing serves as a flexible tool for buyers who need to act quickly on time-sensitive opportunities. Capital can fill gaps while permanent debt is lined up, allowing investors to close on auctions, lock in off-market deals, or stabilize occupancy. Loan structures extend up to 80% LTC and up to 75% ARV-LTV, generally across 12 month terms with straightforward exit plans. Properties that require minimal improvements and quick transition to long-term financing are ideal candidates.

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DSCR Loans

DSCR Loans for Rental Properties

Our DSCR loans align particularly well with rental-focused investors who want underwriting driven by the property’s income potential. Evaluation focuses on the debt service coverage ratio and the borrower’s credit profile, not pay stubs or tax returns. Programs provide up to 75% LTC and up to 80% ARV-LTV, using fixed or flexible rate-and-term setups engineered for scalable rental portfolios. Long-term, short-term, and medium-term rental strategies can all benefit from consistent payment expectations.

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What makes Unitas different?

  1. The Power of a Bank, The Speed of a Partner.
    Bank level institutional capital, paired with direct decision makers, gives your hard money funding both reliability and agility. Clear expectations on leverage, timing for draws, and communication touchpoints ensure every stage of the loan, from application through payoff, stays organized and predictable.

  2. More Ways to Say ‘Yes’ to Your Deal.
    Our approach to underwriting is built around the realities of active investors in Phoenix. Experienced Phoenix hard money lenders analyze your fix-and-flip, new construction, bridge, or DSCR scenario, then design loan terms aligned with your business plan so you can move forward with fewer roadblocks and more certainty.

  3. Certainty from a Direct Lender.
    Real estate investors gain a competitive edge by working with a direct hard money lender that does not rely on outside capital markets for approvals. Stable guidelines, honest timelines, and transparent fees create a smoother path to funding for acquisitions, refinances, and construction projects.

  4. Faster Funding, Faster Draws.
    Markets reward investors who move fast. We fund loans in as little as 10 days and process construction draws promptly to prevent costly slowdowns. Rapid financing combined with reliable communication from Unitas keeps your deals progressing toward profitability.

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Get Pre-Approved in 24 Hours!
If you're an investor who wants dependable hard money financing for your next property, complete our pre-approval process in minutes and position yourself for fast, competitive hard money financing on upcoming investment properties.

Frequently Asked Questions

How quickly can Unitas close on a real estate deal?

Typical real estate closings happen in as little as 10 days, which helps investors stay competitive in a fast-moving market. Same-day preapprovals and term sheets are often available. Final approval follows once credit history is reviewed and a clear title and property valuation are in place, with our hybrid property valuation process usually completed within about 3 to 5 business days.

Do you require income verification for investment loans?

Qualification for our investment property loans focuses on your down payment strength, verified liquidity, and credit profile, not personal income documents. Investors with multiple properties or complex income situations avoid the burden of full income verification, which keeps the approval process quicker and more streamlined.

What leverage and term options do your programs offer?

Fix & flip programs can reach up to 92.5% LTC with up to 75% ARV LTV, and terms of 12 to 24 months. New construction financing offers up to 85% LTC and up to 75% ARV LTV, also with 12 to 24 month terms. Bridge loans are available up to 80% LTC and up to 75% ARV LTV with 12 month terms. DSCR loans provide up to 75% LTC and up to 80% ARV LTV with 12 to 24 month terms. Loan sizes extend up to $2.5M on all these Phoenix hard money loan programs.

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

Applications must be submitted through a business entity such as an LLC or corporation. Standard documentation includes a credit report, background check, purchase and sale agreement, EIN letter, certificate of good standing, bank statements, and a government issued ID. Our team reviews your complete file and typically returns proposed investment property loan terms within one business day.

Can investors with limited experience qualify?

New investors can qualify when the underlying deal is strong. Our Phoenix hard money lenders look closely at overall deal structure, budget accuracy, exit strategy, and credit history. First time investors are encouraged to submit detailed scopes of work, contractor resumes, and realistic project timelines. Additional conditions, if needed, are clearly outlined during underwriting.

Ready to Fund Your Next Phoenix Real Estate Investment?

With Unitas Funding, real estate investors in Phoenix gain a private loan partner who focuses on speed, transparency, and reliable closings. Our streamlined process often delivers a loan approval decision in a single day, helping your Phoenix investment property move from idea to funded.

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