Reading, PA’s Trusted Hard Money Lender for Real Estate Investors

When opportunity knocks in Reading's competitive market, traditional banks won't keep pace. Unitas Funding provides investors in Reading with hard money lenders who understand the speed needed. Whether you're flipping near historic Centre Park or scaling rentals in West Reading, we deliver capital with certainty.

With $5 billion in funded loans, Unitas combines institutional reliability with entrepreneurial thinking. We're your strategic partner in real estate investments.

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Fast, Reliable Capital for Your Next Real Estate Deal

Unitas closes hard money loans in Reading in 10 business days, with pre-approvals often within 24 hours. Our asset-based lending focuses on property potential and exit strategy. We provide short-term real estate financing that turns possibilities into profits.

Fix & Flip Loans

Fix & Flip Loans

Our fix and flip loans provide up to 92.5% loan-to-cost financing based on after repair value (ARV). With interest-only payments and flexible terms, you control cash flow while transforming properties.

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New Construction Loans

New Construction Loans

Unitas provides construction loans with staged draws tied to inspections. Our ground up construction lending adapts to your timeline with a 24- to 48-hour draw turnaround.

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Bridge Loans

Bridge Loans

Our bridge loans provide gap financing with 12 month terms, enabling quick property acquisition. Fast closing keeps you competitive when timing matters.

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DSCR Loans

DSCR Loans for Rental Properties

Our debt service coverage ratio (DSCR) loans qualify based on rental income, not W-2s. Whether investing in BRRRR method properties or scaling portfolios, we focus on cash flow.

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What makes Unitas different?

  1. The Power of a Bank, The Speed of a Partner
    Our $5 billion in funded loans provides financial strength, while direct lending ensures responsiveness. You get both reliability and speed.

  2. More Ways to Say ‘Yes’ to Your Deal
    We evaluate each private real estate loan based on property fundamentals, not rigid formulas. We structure private money loans aligned with your investment goals.

  3. Certainty from a Direct Lender
    When Unitas approves your loan, approval means funding is guaranteed. As a direct lender, we eliminate uncertainty. Our certainty translates to a competitive advantage for you.

  4. Faster Funding, Faster Draws
    Beyond 10-day closings, we process draws in 24-48 hours, keeping projects moving without financing bottlenecks.


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Get Pre-Approved in 24 Hours!
Stop losing great investment opportunities. Unitas provides pre-approval within 24 hours. We provide capital and guidance that turns goals into reality.

Frequently Asked Questions

What types of investment properties do you finance?

Our Reading hard money lenders finance single-family homes, multifamily, townhomes, and condos. We provide real estate investment loans for fix-and-flip, construction, bridge financing, and rentals through business entities.

How quickly can you close on a Reading investment property?

Unitas closes in 10 business days versus the typical 30-45 days for banks. Pre-approvals complete within 24 hours, with final approvals in 3-5 days.

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

Our hard money lenders serving Reading provide up to 92.5% loan-to-cost financing covering purchase and renovation. With rates starting at 8.99%, our fix & flip financing maximizes capital efficiency.

Do you require personal income verification for DSCR loans?

No. Our DSCR loans qualify based on rental income potential, not personal W-2s or tax returns. We evaluate the property's ability to cover debt service.

What areas of Reading do you serve?

Unitas serves the Greater Reading area, Berks County, and areas across southeastern Pennsylvania. We also fund real estate investments across the country.

Ready to Fund Your Next Reading Real Estate Investment?

Unitas provides the private loans Reading real estate investors need to compete effectively. Contact our team today to discuss your next investment property loan.

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