Rhode Island’s Trusted Hard Money Lender for Real Estate Investors

In a competitive market, timing is everything—and traditional bank timelines can cost you the deal. Unitas Funding provides private capital solutions for builders, landlords, and real estate investors across Rhode Island, including Providence, Cranston, Warwick, Pawtucket, and Newport. Expect quick approvals, streamlined draw schedules, and terms built around timelines and exits.Whether you need fix & flip financing, bridge loans, DSCR loans for rentals, or new construction funding, we move with speed and reliability. As experienced private money lenders serving Rhode Island and nearby markets like Cranston, we structure deals so investors can execute quickly and protect momentum.

shutterstock_2644509203

Fast, Reliable Capital

Direct-lender execution reduces closing friction when timelines are tight and sellers expect certainty. Backed by institutional capital and direct-lender agility, Unitas Funding supports investors throughout Rhode Island—from Warwick to Newport—with transparent terms, hands-on guidance, and closing certainty.

Fix & Flip Loans

Fix & Flip Loans

Investors use our fix & flip loans in Rhode Island for value-add rehabs, light-to-heavy renovations, and turnaround projects across markets like Providence, Cranston, and Warwick. We underwrite with a focus on After-Repair Value (ARV), so you can maximize leverage for acquisition and renovation while keeping execution disciplined.

Learn More
New Construction Loans

New Construction Loans

Our private construction loans in Rhode Island support ground-up residential construction and targeted redevelopment in areas such as Cranston and Pawtucket. With a staged draw process tied to clear inspections and milestones, capital releases stay aligned with progress from site work through vertical build-out.

Learn More
Bridge Loans

Bridge Loans

When timing matters, our Rhode Island bridge loans provide interim financing for inventory takeouts, bridge-to-perm transitions, and short-term repositioning in markets like Providence and Newport. Use bridge capital to close quickly, stabilize assets, or transition to permanent financing without losing the deal to slower lenders.

Learn More
DSCR Loans

DSCR Loans for Rental Properties

Our DSCR loans in Rhode Island are designed for investors focused on cash-flow based rental acquisitions and refinance strategies across Warwick, Pawtucket, and surrounding communities. These asset-based rental loans qualify based on property income—helping landlords scale without traditional income verification bottlenecks.

Learn More


What makes Unitas different?

  1. The Power of a Bank, The Speed of a Partner.
    Unitas Funding pairs institutional reliability with direct-lender agility. Serving investors across Rhode Island and nearby markets like Providence and Cranston. We make fast decisions, communicate clearly, and keep closings predictable because we deploy our own capital.

  2. More Ways to Say “Yes” to Your Deal.
    Where banks default to “no,” Unitas asks better questions and structures practical solutions. In Rhode Island, that flexibility helps investors move in submarkets such as Warwick and Pawtucket. Our underwriting team understands construction realities and focuses on feasibility, leverage, and the path to repayment.

  3. Certainty from a Direct Lender.
    Direct lending means fewer surprises: we control underwriting and funding through closing. That matters when you’re executing deals across Providence, Cranston, Warwick, Pawtucket, and Newport. You avoid last-minute funding failures and unexpected term changes caused by third-party capital constraints.

  4. Faster Funding, Faster Draws.
    Speed matters beyond closing. Unitas processes draw requests quickly after inspection completion to keep projects moving. Investors across Rhode Island—including Cranston and Newport—benefit from a process built for momentum. Our draw process uses third-party inspections and budget tracking to release funds efficiently while maintaining oversight.

  5. Ready to Fund Your Next Rhode Island Real Estate Investment?
    Rhode Island doesn’t slow down—and neither should your capital. Whether you’re renovating in Providence, building in Pawtucket, or scaling rentals across Warwick and Newport, Unitas Funding delivers the leverage and certainty needed to close on schedule.

shutterstock_2218681047 (1)

Get Pre-Approved in 24 Hours!
Apply today and secure funding for your next investment property in Rhode Island. Close in as little as 10 days with Unitas Funding.

Frequently Asked Questions

Who qualifies for hard money loans in Rhode Island?

Execution-focused investors across Rhode Island—including investors active in Providence and Cranston—are typically a strong fit when speed and certainty matter. A defined scope, realistic budget, and clear exit plan help approvals move quickly.

What documents are required to apply for a Rhode Island real estate investment loan?

At minimum, share the deal terms, scope of work, budget, and planned exit strategy. For properties in Rhode Island and nearby markets like Warwick, adding photos, contractor bids, and a timeline can accelerate underwriting and reduce back-and-forth.

What credit score do I need for a hard money loan in Rhode Island?

Credit is reviewed, but approvals are primarily asset-based and deal-driven. In Rhode Island, collateral strength, leverage, and a feasible execution plan—especially for projects in Pawtucket—often matter more than a single score threshold.

Do you lend to first-time real estate investors in Rhode Island?

Yes. First-time investors in Rhode Island can qualify with conservative leverage and a credible plan, particularly when working in markets like Providence. Using experienced contractors and presenting a detailed scope strengthens the file.

Is income verification required for investment property loans in Rhode Island?

Many programs emphasize the property rather than pay stubs. DSCR loans in Rhode Island rely on cash flow coverage, while rehab and construction financing focus on ARV, budget, and feasibility across markets such as Cranston and Warwick.

How long does the hard money approval process take in Rhode Island?

Initial feedback and term sheets can often be issued quickly once deal details are submitted. Final approval depends on valuation and title, with many Rhode Island closings completed in roughly 10 days—even for time-sensitive opportunities in Newport.

Why choose Unitas Funding over other hard money lenders in Rhode Island?

Direct-lender execution, transparent terms, and predictable draws reduce uncertainty during acquisition and construction. That reliability matters in Rhode Island when you’re coordinating closings and contractors across areas like Warwick and Pawtucket.

How is a hard money lender different from a bank in Rhode Island?

Banks typically rely on rigid documentation and longer approval cycles. Hard money loans are underwritten to the asset and business plan, enabling faster decisions for value-add and transitional properties throughout Rhode Island and nearby markets such as Providence.

Do you provide funding across Rhode Island?

Yes. Funding is available throughout Rhode Island, including Providence, Cranston, Warwick, Pawtucket, and Newport, for business-purpose investment properties. Eligibility depends on the asset type, leverage, and exit plan—not a specific city boundary.

How do I apply for a Rhode Island hard money loan with Unitas Funding?

Submit the property address, purchase terms, budget and scope, and your target closing date. After review, we coordinate valuation and title steps to move efficiently toward funding for deals across Rhode Island and markets like Cranston.

Ready to Fund Your Next Indiana Real Estate Investment?

Indiana's market doesn't slow down, and neither should your capital. At Unitas Funding, we deliver the institutional backing and direct lending speed that wins deals. Whether you're renovating properties, developing spec homes, or building a rental portfolio across the metro area, our hard money lenders provide Indiana real estate investors the leverage and certainty you need to close on schedule. Submit your application now, and let's turn your next opportunity into a funded project!