Salt Lake City's Trusted Hard Money Lender for Real Estate Investors

Salt Lake City's real estate market moves fast. Whether you're eyeing a fix-and-flip in Sugar House, developing new construction in Daybreak, or acquiring rentals along the Wasatch Front, timing determines success. Traditional banks take 30 to 45 days, which is too slow when competitors close in a week. Unitas Funding provides the speed, flexibility, and certainty Salt Lake City investors need.

Utah Lending Notice: Unitas Funding operates as a trusted hard money lender in Salt Lake City. We accept applications exclusively from licensed mortgage brokers in this state and do not accept direct applications from borrowers. If you're a licensed broker, contact us to partner. If you're an investor, please work with your licensed broker to access our competitive loan programs.

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Fast, Reliable Capital for Your Next Real Estate Deal

Unitas Funding specializes in short-term, asset-based private loans for real estate investors throughout Salt Lake City. Our hard money loans serve fix-and-flip projects, ground-up construction, bridge financing, and rental property acquisitions. We've funded over 10,000 loans, giving us deep expertise in what makes deals succeed. Our streamlined process delivers closings in as few as 10 business days with complete documentation, enabling your clients to compete effectively in Utah's competitive market.

Fix & Flip Loans

Fix & Flip Loans

Salt Lake City's housing market creates consistent opportunities for experienced flippers. Our fix-and-flip loans cover both acquisition and renovation costs based on after repair value (ARV), not just purchase price. Whether renovating a historic home in Holladay or transforming a dated property in West Valley City, we structure terms around project timelines and exit strategies. Flexible 12-, 18-, and 24-month terms give investors the runway to complete renovations without rushing quality work. Interest-only payment options preserve cash flow during construction, and our streamlined draw process keeps projects moving forward.

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New Construction Loans

New Construction Loans

Ground-up construction in Salt Lake City's expanding suburbs requires lenders who understand development timelines and construction budgets. Unitas Funding provides new construction financing for single-family spec homes and small multifamily residential projects with milestone-based draw schedules tied to inspections. Our team reviews budgets, timelines, and exit strategies to structure loans that align with development plans. With 24 to 48 hour draw request turnaround after inspection completion, we keep projects on schedule and contractors paid.

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Bridge Loans

Bridge Loans

Bridge loans solve timing gaps that standard financing cannot address. Whether investors need interim capital while awaiting permanent DSCR refinancing, funds to secure a property before traditional financing closes, or short-term capital between property sales, our bridge loan programs provide 6 to 12 month solutions. Salt Lake City investors use bridge financing to act quickly on competitive opportunities, securing properties at auction, closing before other buyers complete their financing, or stabilizing properties before converting to long-term holds. We structure terms around specific transition timelines and exit plans.

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DSCR Loans

DSCR Loans for Rental Properties

Salt Lake City's rental market supports strong cash-flowing investment properties. Our Debt Service Coverage Ratio (DSCR) loans qualify based on property income, not personal tax returns or W-2s. Whether acquiring single-family rentals near the University of Utah, multifamily properties in Murray, or short-term rentals in Park City, DSCR financing eliminates income verification requirements. Our Salt Lake City hard money lenders underwrite based on rental cash flow and property fundamentals, making qualification straightforward for investors with strong assets but complex personal income structures.

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What makes Unitas different?

  1. The Power of a Bank, The Speed of a Partner
    We combine institutional capital backing with the responsiveness investors need. Our $4.5 billion in funded loans and over $0 billion in assets under management provide the security of working with a well-capitalized lender. Licensed brokers get major lender reliability without sacrificing the personalized service and market knowledge that help deals succeed. Our team understands Utah market dynamics and structures loans accordingly.

  2. More Ways to Say 'Yes' to Your Deal
    Traditional lenders operate within rigid credit boxes. We focus on property value, exit strategy, and deal fundamentals. Our asset-based underwriting approach evaluates each project individually, analyzing ARV, renovation budgets, market conditions, and investor experience levels. This flexibility means we can structure financing for deals that do not fit standard bank requirements. Whether projects involve complex renovations, unique property types, or creative exit strategies, we work to find solutions rather than simply declining applications.

  3. Certainty from a Direct Lender.
    As a direct lender, we own our capital and make our own underwriting decisions. When we approve a loan, that approval is final. There are no secondary committees, no last-minute funding surprises. This certainty matters when competing for properties or coordinating complex closing timelines. Licensed brokers can confidently present terms to their investor clients knowing our commitments are reliable.

  4. Faster Funding, Faster Draws
    Speed defines competitive advantage in real estate investing. We close loans in as few as 10 business days with complete documentation, and our draw request process delivers a 24- to 48-hour turnaround after inspection completion. For fix-and-flip and construction projects, this responsiveness keeps contractors working, prevents costly delays, and maintains project momentum. Deals move at the pace the market demands.

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Get Pre-Approved in 24 Hours!

Licensed mortgage brokers can submit applications for their Utah investor clients and receive initial pre-approval feedback within 24 hours. Our streamlined process focuses on property fundamentals and deal structure, not endless documentation requirements. Contact Unitas Funding today to discuss how our hard money loan programs and private loans for Salt Lake City real estate investors can support your real estate investments.

Frequently Asked Questions

What types of investment properties do you finance?

We finance business-purpose real estate investments including single-family residential fix-and-flips, ground-up construction projects, multifamily properties (2 to 4 units), bridge financing for property transitions, and rental properties qualifying through DSCR underwriting. All loans must be to business entities (LLCs, corporations) for investment purposes. We do not provide consumer-purpose financing or loans to individuals. Properties must be residential or mixed-use. We do not finance owner-occupied primary residences.

How quickly can you close on a Salt Lake City investment property?

With complete documentation, we close loans in as few as 10 business days. Timeline depends on title clearance, property valuation completion, and documentation quality. Licensed brokers submitting well-organized files with complete financial information, property details, and borrower documentation enable the fastest processing. Pre-approval can be issued within 24 hours of application submission, giving clients confidence when making competitive offers.

What are your loan-to-cost ratios for Salt Lake City fix-and-flip projects?

Our hard money lenders in Salt Lake City offer loan-to-cost (LTC) ratios up to 92.5% on qualified fix-and-flip projects, covering both acquisition and renovation costs. Specific LTC depends on borrower experience, project scope, property location, and market conditions. Our underwriting evaluates after repair value (ARV), renovation budget accuracy, exit strategy clarity, and comparable sales data. Experienced investors with strong track records and conservative ARV projections typically qualify for higher leverage.

Do you require personal income verification for DSCR loans?

No. DSCR (Debt Service Coverage Ratio) loans qualify based on property cash flow, not personal income. We underwrite based on rental income potential, property expenses, and debt service coverage. We typically require DSCR ratios of 1.0 or higher depending on property type and market. This eliminates the need for tax returns, W-2s, or personal income documentation. Borrowers must still provide business entity documentation, down payment verification, and property financial analysis.

What areas of Salt Lake City do you serve?

Through licensed broker partners, we serve the entire Salt Lake City metropolitan area including Salt Lake City proper, West Valley City, West Jordan, Sandy, Murray, South Jordan, Draper, Herriman, Cottonwood Heights, Holladay, and surrounding communities along the Wasatch Front. We also finance properties throughout Utah including Park City, Provo, Ogden, St. George, and other markets across the state. Geographic focus is on residential investment properties in established markets with strong comparable sales data.

Ready to Fund Your Next Salt Lake City Real Estate Investment?

Unitas Funding is your direct source for fast, flexible hard money financing backed by $4.5 billion in institutional capital. Our team makes the decisions, owns the capital, and closes your deals. Contact our Salt Lake City hard money lenders directly to discuss your next fix-and-flip, construction, bridge, or rental property investment. Let's close your deal in 10 days, not 10 weeks.

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