Richmond, VA's Trusted Hard Money Lender for Real Estate Investors

Richmond's blend of historic housing stock and industrial-to-residential redevelopment gives investors two distinct plays — restoring rowhouses in The Fan and Church Hill, or repositioning warehouse space in Scott's Addition. Both require capital that can move as fast as the deal, and Richmond's competitive market punishes anyone waiting on a bank.

Unitas Funding provides private real estate loans for investors throughout Richmond and Central Virginia — fix-and-flip, new construction, bridge, and DSCR rental financing up to $4.5M. With $4.5 billion funded nationally, we deliver the certainty Richmond investors need to compete.

shutterstock_2644509203

Fast, Reliable Capital for Your Next Richmond Deal

Richmond's stable government and healthcare employment base, combined with strong historic-district demand, supports healthy margins for flippers and steady cash flow for rental investors. Unitas offers rates from 8.99%, up to 92.5% loan-to-cost, and pre-approval in 24 hours.

Fix & Flip Loans

Fix & Flip Loans

The Fan and Church Hill's rowhouses reward investors who can restore period detail while updating systems — Richmond buyers pay a premium for historic character done right. Unitas funds acquisition and rehab budget together so investors can close and start work fast.

Learn More
New Construction Loans

New Construction Loans

Scott's Addition's continued transformation from industrial district to mixed-use neighborhood keeps drawing developers to remaining infill parcels. Our construction loans fund the full build cycle with 24-48 hour draws to keep Virginia crews on schedule.

Learn More
Bridge Loans

Bridge Loans

Need to close on a Manchester riverfront acquisition before your permanent financing is finalized? Unitas bridge loans give Richmond investors the short-term capital to secure deals without missing the window.

Learn More
DSCR Loans

DSCR Loans for Rental Properties

Richmond's stable government and healthcare workforce supports consistent rental demand, making DSCR loans a strong fit for investors building portfolios in Church Hill or Museum District. We qualify the property's income, not personal tax returns.

Learn More


What Makes Unitas Different in Richmond

  1. Institutional Resources, Direct Access
    Backed by $4.5 billion in institutional capital, Unitas never leaves a Richmond closing waiting on funds — while operating as a direct lender that gives real answers in hours.

  2. Local Richmond Market Expertise
    Our team understands Richmond's dual market, from The Fan's historic rowhouses to Scott's Addition's industrial redevelopment, and prices deals accordingly.
  3. Speed That Protects Your Margin
    24-48 hour draw turnaround keeps Richmond rehab and construction projects moving through Virginia's favorable four-season build calendar.

  4. A Track Record Built in Richmond
    We've funded deals across Church Hill, Museum District, and Manchester, building the track record Richmond investors and agents trust.

shutterstock_2218681047 (1)

Get Pre-Approved in 24 Hours
Ready to move on your next Richmond deal? Submit your scenario and get a same-day term sheet from a direct lender — no committees, no runaround.

Frequently Asked Questions

How fast can Unitas close a hard money loan in Richmond?

Most Richmond transactions close within 10 business days of a completed application, with our team coordinating directly with Virginia title companies.

What loan-to-cost is available for Richmond fix-and-flips?

Qualified Richmond investors can access up to 92.5% loan-to-cost, covering both acquisition and renovation budget.

Does Unitas lend on historic Fan and Church Hill rowhouses?

Yes, we underwrite historic renovation projects throughout The Fan and Church Hill, evaluating the specific scope of work and after-repair value.

Does Unitas fund adaptive reuse projects in Scott's Addition?

Yes, our construction and bridge programs can fund industrial-to-residential conversions and new infill throughout Scott's Addition.

What parts of Central Virginia does Unitas serve?

We fund deals throughout the City of Richmond and Central Virginia, including Henrico, Chesterfield, and Hanover counties.

Ready to Fund Your Next Richmond Real Estate Investment?

Unitas Funding provides the fast, flexible private capital Richmond investors need to compete across the city's historic and redeveloping neighborhoods. From Church Hill restorations to Scott's Addition infill, we fund projects throughout Central Virginia. Contact us today to discuss your Richmond investment property financing.

Unitas Funding has funded 58+ deals for investors in and around Richmond, VA.


Business-purpose loans for investment properties only. Not a commitment to lend. All loans subject to credit approval and underwriting. Rates, terms, and loan-to-cost vary based on borrower qualifications, property, and market conditions. Loan product availability may be limited in certain states.