Provo, UT’s Trusted Hard Money Lender for Real Estate Investors

Provo's dynamic market rewards investors who act decisively. University demand drives rental opportunities while historic neighborhoods offer renovation potential and development zones expand inventory. Traditional banks require 30 to 45 days, creating missed opportunities when properties receive multiple offers. Unitas Funding closes hard money loans in 10 business days, enabling you to compete against cash buyers and secure properties other investors lose to slow financing.

Utah Lending Notice: Unitas Funding operates as hard money lenders in Provo and throughout Utah. We accept applications exclusively from licensed mortgage brokers. We do not accept direct borrower applications. Licensed brokers can contact us to establish partnerships. Investors should work with their licensed broker to access our programs.

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Fast, Reliable Capital for Your Next Real Estate Deal

Unitas Funding specializes in short-term real estate financing backed by $4.5 billion in institutional capital. Our hard money lending evaluates property value, ARV projections, and deal fundamentals rather than personal credit scores. With over 10,000 funded transactions, our Provo hard money lenders understand what makes projects succeed. Rates begin at 8.99% with loan-to-cost ratios reaching 92.5% on qualified deals.

Fix & Flip Loans

Fix & Flip Loans

Provo's diverse housing stock creates consistent fix-and-flip opportunities. Our loans fund complete project costs including acquisition and renovation based on projected ARV. Whether renovating near BYU campus, updating established neighborhoods, or transforming distressed properties, we structure terms matching your timeline. Select 12-month, 18-month, or 24-month terms. Interest-only payments preserve capital during construction. Our draw process delivers 24 to 48 hour approval, maintaining contractor schedules.

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New Construction Loans

New Construction Loans

Ground-up construction requires capital partners understanding timelines and budgets. Unitas Funding finances single-family spec builds and small multifamily projects with milestone-based draws tied to inspections. We review budgets, timelines, and exit strategies before structuring terms. Draw requests receive 24 to 48 hour turnaround, ensuring contractors maintain progress without payment interruptions.

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Bridge Loans

Bridge Loans

Bridge financing solves timing challenges traditional lenders cannot address. Our 6 to 12 month programs provide interim capital when investors need to close quickly, require funding while permanent financing processes, or need short-term capital between sales. Provo investors use bridge loans to secure auction properties, compete against cash offers, and maintain portfolio momentum.

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DSCR Loans

DSCR Loans for Rental Properties

Provo's rental market driven by university enrollment supports strong cash-flowing properties. Our debt service coverage ratio loans qualify based on property rental income rather than personal tax returns. Whether acquiring single-family rentals serving student housing, small multifamily buildings, or short-term rentals throughout Utah County, DSCR financing eliminates traditional income documentation. We underwrite on rental cash flow and debt service coverage ratios typically requiring 1.0 or higher.

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What makes Unitas different?

  1. The Power of a Bank, The Speed of a Partner
    Our institutional backing from Fidelis Investors provides funding reliability regardless of market conditions. Licensed brokers partnering with Unitas access well-capitalized lending combined with responsive service. We understand Provo market dynamics, property valuations, and neighborhood trends influencing investment success.

  2. More Ways to Say 'Yes' to Your Deal
    Traditional lenders apply standardized criteria automatically rejecting deals outside rigid boxes. Our asset-based approach evaluates each project individually. We analyze property ARV projections, renovation budgets, comparable sales, and investor experience to structure appropriate financing. This flexibility enables funding for projects with unique characteristics conventional lenders decline.

  3. Certainty From a Direct Lender
    Unitas Funding owns our capital and makes internal underwriting decisions. When we approve applications, those approvals stand firm without secondary committee reviews. Licensed brokers can present our commitments confidently knowing our funding reliability.

  4. Faster Funding, Faster Draws
    We close complete files in 10 business days. Construction draws receive 24 to 48 hour approval after inspections. This speed keeps projects progressing, prevents contractor delays, and maintains momentum required to achieve target completion dates.

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Get Pre-Approved in 24 Hours!

Licensed brokers can submit applications for clients and receive pre-approval feedback within 24 hours. Our process emphasizes property fundamentals and deal structure. Contact Unitas Funding to discuss how our private loans in Provo for real estate investors support your clients' strategies.

Frequently Asked Questions

What types of investment properties do you finance?

Our hard money lenders in Provo finance business-purpose investments including single-family fix-and-flips, ground-up construction, multifamily properties (2 to 4 units), bridge financing, and DSCR rentals. All loans go to business entities including LLCs, corporations, or partnerships. We do not provide consumer-purpose financing, loans to individuals, or owner-occupied residence financing.

How quickly can you close on a Provo investment property?

Complete documentation enables 10 business day closings. Actual timeline depends on title clearance, valuation completion, and file completeness. We issue pre-approval letters within 24 hours of application receipt, providing investors confidence when submitting competitive offers.

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

Qualified projects receive up to 92.5% LTC covering acquisition and renovation. Actual ratios depend on borrower experience, project scope, location, and market conditions. Our underwriting evaluates ARV accuracy, budget reasonableness, exit strategy clarity, and comparable sales. Experienced investors with conservative estimates typically qualify for maximum leverage.

Do you require personal income verification for DSCR loans?

No. Debt service coverage ratio loans qualify on property cash flow rather than personal income. Our Provo hard money lenders underwrite based on rental income, operating expenses, and debt service coverage. Minimum DSCR ratios typically start at 1.0 depending on property type and market. This eliminates personal tax returns, W-2 documentation, and employment verification.

What areas of Provo do you serve?

We finance properties throughout Provo including all neighborhoods. Our lending extends across Utah County covering Orem, Springville, Spanish Fork, Lehi, American Fork, and Pleasant Grove. We also fund projects throughout Utah including Salt Lake County, Park City, Ogden, and St. George.

Ready to Fund Your Next Provo Real Estate Investment?

Unitas Funding combines institutional capital strength, direct lending reliability, and rapid closing capabilities for Utah's investment community. Licensed brokers can contact our team to establish partnerships and submit applications for investor clients. We deliver competitive hard money loans and private loans for Provo real estate investors closing in 10 days.

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