Raleigh’s Trusted Hard Money Lender for Real Estate Investors

Local real estate investors who need fast, flexible funding for investment properties can rely on Unitas Funding for clear, responsive hard money lending. Our Raleigh hard money lenders provide funding for fix-and-flip loans, new construction loans, bridge loans, and DSCR loans, helping you move quickly on distressed properties, infill lots, and rental opportunities before competitors.

Our lending platform is built on institutional capital and decades of experience with private real estate loans for Raleigh investors. Options for fix-and-flip financing, spec and infill construction funding, bridge loans, and DSCR rental loans are structured to suit investors who need predictable draws, realistic timelines, and underwriting that understands local market conditions.

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Fast, Reliable Capital for Your Next Real Estate Deal

Unitas Funding serves as a direct hard money lending partner with the flexibility many investors cannot find at the bank. Our Raleigh hard money lenders provide fix-and-flip loans, new construction loans, bridge financing, and DSCR loans for rental portfolios, all with competitive leverage and easy to understand terms. Institutional capital support helps ensure your funding is ready when inspection periods are short and closing dates are firm.

Fix & Flip Loans

Fix & Flip Loans

Real estate investors use our fix-and-flip loans when they want one streamlined source of capital for both purchase and renovation. These short-term loans are built around ARV outcomes and BRRRR (buying, rehabbing, renting, refinancing, and repeating) exits, so financing matches the project strategy. Investors can leverage up to 92.5% LTC and up to 75% ARV-LTV on terms ranging from 12 to 24 months, which keeps more working capital available for crews and materials. Inspection based draw schedules release funds as milestones are completed, helping Raleigh contractors stay on site and on time.

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New Construction Loans

New Construction Loans

Our new construction loans support builders who need reliable capital from dirt to finished product. Funding can cover land acquisition, site work, framing, and finishes, all managed through a milestone draw system tied to verified inspections. Qualified projects may receive up to 85% LTC and up to 75% ARV-LTV with flexible terms of 12 to 24 months. Underwriting includes a review of your Raleigh build budget, timeline, and contractor background to help reduce funding hiccups and keep the project on track.

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Bridge Loans

Bridge Loans

Our bridge loans offer a practical way to close quickly while permanent financing is arranged. Investors use this short-term capital to secure time sensitive deals, complete minor improvements, or stabilize occupancy before moving into a long-term loan. Programs allow up to 80% LTC and up to 75% ARV-LTV, commonly on 12 month terms with clearly defined take out strategies. For properties in Raleigh that need only light work or seasoning, bridge capital can remove timing pressure and protect negotiations.

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DSCR Loans

DSCR Loans for Rental Properties

Long-term success with rentals often depends on financing that respects property cash flow, which is where DSCR loans excel. Approval is based on the debt service coverage ratio, making this a practical solution for investors focused on long-term, short-term, or mid-term rentals. Programs can provide up to 75% LTC and up to 80% ARV-LTV while offering amortizing terms designed for portfolio growth. With DSCR loans, investors can continue adding doors while keeping an eye on stable income.

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What makes Unitas different?

  1. The Power of a Bank, The Speed of a Partner.
    Our platform pairs bank-level capital with a direct lending structure tailored to active investors. By removing extra intermediaries, you gain simple leverage expectations, predefined draw benchmarks, and accessible support from your first inquiry through closing and beyond.

  2. More Ways to Say ‘Yes’ to Your Deal.
    Real estate strategies are rarely one-size-fits-all, and our underwriting reflects that. Fix & flip, new construction, bridge, and DSCR loans are built around your project scope, investment timeline, and chosen exit so your financing aligns with how you actually work.

  3. Certainty from a Direct Lender.
    Our control over both capital and credit decisions gives you a higher level of certainty on each private loan. Raleigh real estate investors see transparent terms, realistic timelines, and a clear checklist of documentation so you always know what is needed and when.

  4. Faster Funding, Faster Draws.
    Real estate opportunities don't wait around. Our efficient process delivers closings within 10 days and keeps construction draws moving without delays. Quick access to capital and straightforward updates from Unitas help your projects maintain momentum and hit profit targets.

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Get Pre-Approved in 24 Hours!
Our hard money lenders provide Raleigh investors with fast pre-approval so you are ready when the right property or off-market opportunity appears.

Frequently Asked Questions

What types of investment properties do you finance?

Our loan programs focus on residential investment real estate, including fix-and-flip properties, new construction projects, rental homes, and short-term bridge financing. All loans are strictly business-purpose, structured for investors rather than owner-occupants.

How quickly can you close on investment properties?

Most investment property loans can close in as few as 10 days, provided the title is clear and the property valuation is complete. Same-day preapprovals and term sheets are often available, and our hybrid valuation process typically returns property values within 3 to 5 business days.

What leverage and terms do you offer across loan programs?

For fix-and-flip projects, leverage is available up to 92.5% LTC and up to 75% ARV-LTV with terms of 12 to 24 months. New construction can qualify for up to 85% LTC and up to 75% ARV-LTV, also with 12 to 24 month terms. Bridge loans are generally offered up to 80% LTC and up to 75% ARV-LTV with a 12 month term. DSCR loans for rental properties can reach up to 75% LTC and up to 80% ARV-LTV with terms from 12 to 24 months. Loan amounts across these programs go up to $2.5M.

Do you require personal income verification for DSCR loans?

DSCR loans are qualified primarily on the property’s projected cash flow, the debt service coverage ratio, and the borrower’s credit profile. Personal income documentation is not part of the underwriting criteria, which makes this structure ideal for investors focused on building and scaling rental portfolios.

Do you lend to investors with limited experience?

Both first-time and experienced investors are considered. Underwriting weighs the strength of the deal, the accuracy of the renovation or construction budget, and the clarity of the exit strategy. New investors should be ready to provide a detailed scope of work, credible contractor references, and realistic timelines, and any additional conditions are explained during underwriting.

Ready to Fund Your Next Raleigh Real Estate Investment?

Our hard money lenders provide Raleigh real estate investors clear terms and predictable timelines so your next real estate investment is not held up by slow bank approvals. Apply now for fast hard money financing with decisions typically made within one business day, then contact our hard money team to learn how we can help you close with confidence.

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