Savannah’s Trusted Hard Money Lender for Real Estate Investors
We help builders, landlords, and real estate investors across Florida move with confidence, pairing institutional capital with seasoned construction lending know-how. Expect quick approvals, streamlined draws, and flexible terms on our Savannah hard money loans to keep your real estate investments on track.
Whether you need fix and flip financing, bridge loans, or new construction funding, we deliver speed, flexibility, and reliability as dedicated private money lenders. We underwrite asset-first, communicate clearly, and close fast, on budget, helping real estate investors grow portfolios, seize tight timelines, and turn opportunities into wins.

Fast, Reliable Capital for Your Next Real Estate Deal
We build lasting relationships by pairing institutional strength with the agility of a seasoned hard money lender. As a Savannah private money lender, our flexible loan programs cover every stage, fix and flip, new construction, rental property loans, and timely bridge financing, so you can act quickly and confidently. With quick closings, clear communication, and tailored terms, we help real estate investors grow portfolios in Savannah, protect margins, and seize opportunities without missing a beat.
Fix & Flip Loans
We power investors with fix & flip loans in Savannah that deliver short term financing on tight timelines, pairing speed with a flexible hard money rehab loan structure. Our team underwrites to the After Repair Value (ARV), so you can acquire, renovate, and exit with stronger leverage. Whether you’re executing the BRRRR method or a quick resale, we provide streamlined fix and flip funding to cover purchase and rehab costs, helping you maximize returns with confidence.
New Construction Loans
Secure flexible financing for ground up construction with our private construction loans; we back projects from single family spec homes to multi unit residential and mixed use developments. As a private construction lender serving Savannah, we tailor a staged draw process to your timeline, keeping capital flowing for lot acquisition, horizontal improvements, and vertical build phases. Our team moves quickly, underwrites with common sense, and communicates clearly so you can break ground and deliver on schedule with confidence.
Bridge Loans
When timing is tight, we deliver hard money bridge loans that provide swift interim financing, giving you the gap financing you need when conventional lenders can’t close fast enough. Whether you’re acquiring an investment property or stabilizing a deal to qualify for permanent financing, our real estate bridge loans in Savannah move capital quickly and predictably. We underwrite with speed, fund with clarity, and help you keep momentum from contract to exit without missing critical windows.
DSCR Loans for Rental Properties
DSCR loans in Savannah leverage the Debt Service Coverage Ratio to qualify deals with no income verification, making them ideal rental loans for building a resilient portfolio. These asset based loans deliver streamlined landlord financing by focusing on property cash flow, not personal wages. Use investment property mortgages to acquire long-term rentals, STRs, or MTRs, expand holdings efficiently, and keep capital flexible while rates and rents shift, all with fast closings and clear underwriting.
What makes Unitas different?
- The Power of a Bank, The Speed of a Partner.
Blending institutional reliability with entrepreneurial agility, we serve investors as Savannah’s trusted hard money lender, tailoring financing for complex real estate deals and delivering approvals with fast funding, so projects move from opportunity to closing on your timeline. - More Ways to Say ‘Yes’ to Your Deal.
With an expanded credit box and creative underwriting, we finance projects others decline, moving fast on unique investments and urgent timelines. Our Savannah’s hard money lending team delivers flexible terms and clear communication to help investors execute confidently. - Certainty from a Direct Lender.
As a direct hard money lender in Savannah, we deploy our own capital, so once you receive loan approval, you can count on secure funding and a quick close; our direct lending approach delivers speed, reliability, and clear communication. - Faster Funding, Faster Draws.
At Unitas, we streamline the Savannah loan process to keep deals moving, enabling closings in as little as 10 days, fast funding, and construction draw releases, supported by proactive updates that help your projects stay on schedule and profitable.
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Apply today and secure funding for your next investment property in Savannah.
FAQ
Who qualifies for a hard money loan from Unitas Funding?
Borrowers who value a long-term partner turn to our hard money investor loans for reliable capital, not rock-bottom teasers. We deliver fast funding from offer to term sheet and through every milestone in the draw process, keeping timelines tight. Structured for LLCs and corporations, terms support active real estate investments with speed and clarity. Our hard money lending in Savannah pairs local insight with decisive underwriting, while flexible private money lending bridges timing gaps and unique scenarios. We also finance ground-up and rehab work with construction loans designed to move projects forward confidently.
What is required to apply for a Unitas real estate investment loan?
Start your loan application for a real estate investment loan by using a business entity, LLC or corporation, never as an individual, and use proceeds strictly for business or investment purposes. For investment property financing in Savannah, we review key documentation: entity formation records, operating agreement, purchase contract, rent roll, bank statements, and recent tax returns to expedite approvals.
- Background Check
- Bank Statements
- Certificate of Good Standing
- Credit Report
- EIN Letter
- Government-issued ID
- Purchase and Sale Agreement
What credit score do I need for a hard money loan from Unitas?
As a lender, we offer business purpose loans to qualified investors with solid histories. We determine the credit score for any hard money loan by using the median FICO score from a tri-merge report, or the lower of two when only two scores appear. Representative scores under 600 are ineligible for our investment property loans. This approach lets us deploy reliable capital and deliver competitive terms on private loans in Savannah aligned with each investor’s timeline and strategy.
Do you lend to first-time real estate investors in Savannah?
Ready to move fast with a trusted lending partner? We finance new and seasoned investors with first time real estate investor loans tailored to your goals, whether it's your first fix and flip in Savannah or scaling doors through rental property loans. Our streamlined loan programs combine transparent terms, accessible capital, and responsive support, so you can bid confidently and close on schedule. Expect clear timelines, flexible draws, and reliable fix and flip funding that helps you finish strong.
Is income verification required for investment property loans from Unitas?
If you want a streamlined path to financing, we keep things simple. No personal income verification is required for our investment property loans. Our private real estate loans in Savannah reflect asset based lending, qualifying borrowers on down payments and verified liquidity. We offer DSCR loans that prioritize the property’s cash flow over wages, so approval hinges on asset performance. This approach helps real estate investors scale portfolios strategically while we help fine-tune terms, timelines, and exit plans.
How long does the approval process take?
Move fast with us: we deliver fast loan approval for investors ready to act. Pre-approvals and term sheets for our quick hard money loans in Savannah can often arrive the same day, while final approval depends on clear title and thorough property valuation. Our hybrid valuations typically take 3–5 business days, and closings can happen in as little as 10 days, giving you a reliable path to secure financing in competitive real estate markets.
Why choose Unitas over other hard money lenders in Savannah?
Drawing on deep construction and lending expertise, we understand investor challenges better than many hard money lenders and move fast. We close private money loans in Savannah in as little as 10 days, tailor terms to your project, and aim for lasting partnerships. With rates from 9.25% and real estate loans reaching up to 92.5% LTC, you get institutional capital paired with high leverage loans and the attentive guidance of a seasoned private money lender.
How is a hard money lender different from a bank?
As a hard money lender, we move faster and tailor financing more flexibly than banks, specializing in investment real estate loans that match your strategy. Expect fast closing loans in days, plus clear communication and guidance at every step. We design fix and flip funding, bridge loans, and DSCR loans to fit real timelines and budgets. For builders, our new construction lending in Savannah comes streamlined and relationship-driven, turning opportunities into closings without the usual red tape.
Do you provide funding in my state or city?
Partner with a nationwide direct lender you can talk to. We fund fix and flip loans, DSCR loans, new construction, and bridge loans across Georgia, including bridge loans in Savannah, plus markets nationwide. We deliver business purpose loans and responsive private capital solutions that help investors move quickly and confidently.
How do I apply for a real estate investment loan from Unitas?
Ready to move fast on a real estate investment loan? Start with our loan calculator, then our Account Executive connects to review your project, qualifications, and targeted next steps for real estate investor financing. We prioritize personal connection while we drive outcomes: swift pre approval, clear valuation, clean title, and efficient draws, so real estate investors in Savannah and beyond close with confidence. We streamline documentation, communicate proactively, and keep your timeline, and returns, on track.
Fast, Reliable Capital – No Red Tape
Get the certainty of a direct lender and close in as little as 10 days.
Business-purpose loans for investment properties only. Not a commitment to lend. All loans subject to credit approval and underwriting.