Scranton’s Trusted Hard Money Lender for Real Estate Investors

Ready to close faster and scale with confidence? At Unitas Funding, we support real estate investors with private capital and seasoned construction lending. We deliver quick approvals, efficient draws, and flexible terms on our Scranton hard money loans to keep your real estate investments moving, protect timelines, and streamline each phase.

As trusted private money lenders, we tailor fix and flip financing, bridge loans, and new construction funding to your deal and exit plan. Expect responsive communication and funding aligned to milestones, so you win bids, cut carrying costs, and turn opportunities into measurable returns.

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Fast, Reliable Capital for Your Next Real Estate Deal

As a trusted private money lender in Scranton, we pair institutional backing with the speed of a direct hard money lender. Our flexible loan programs support fix and flip strategies, new construction, rental property loans, and short-term bridge financing. With fast closings, transparent terms, and local insight, Unitas helps real estate investors move quickly, scale portfolios, and build lasting wealth. Count on us for responsive underwriting and funding that keeps your deals on track from offer to exit.

Fix & Flip Loans

Fix & Flip Loans

Our fix & flip loans in Scranton deliver the speed and certainty investors expect, pairing short term financing with a flexible hard money rehab loan to acquire and renovate properties, including those following the BRRRR method. We move quickly and provide fix and flip funding for both purchase and rehab. Because we underwrite to the After Repair Value (ARV), you can maximize leverage, control timelines, and aim for higher ROI on value-add projects.

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New Construction Loans

New Construction Loans

Build with confidence using our private construction loans tailored for ground up construction across single family spec homes, multi unit residential, and mixed use developments. As Scranton’s private construction lender, we streamline funding with a staged draw process that tracks clear milestones, so you can secure timely capital for lot acquisition, horizontal improvements, and vertical build phases. We underwrite efficiently, communicate proactively, and align terms to your project’s timeline, helping you move from dirt to delivery without delays.

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Bridge Loans

Bridge Loans

Count on us when timing matters: our hard money bridge loans deliver swift interim financing backed by local insight. We provide gap financing for deals that can’t wait on conventional lenders, whether you’re acquiring an investment property or stabilizing an asset before permanent financing. Our real estate bridge loans in Scranton move capital quickly, helping you negotiate confidently and close on schedule. With flexible terms and clear guidance, we keep momentum on your next step.

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DSCR Loans

DSCR Loans for Rental Properties

DSCR loans in Scranton offer a straightforward path for investors to scale portfolios, using the property’s income and the Debt Service Coverage Ratio to qualify under a no income verification approach. These rental loans function as asset based loans ideal for landlord financing, focusing on cash flow over pay stubs. Use flexible investment property mortgages to acquire or refinance long-term rentals, STRs, or MTRs, strengthen reserves, and move quickly on opportunities while maintaining predictable terms and streamlined underwriting.

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What makes Unitas different?

  1. The Power of a Bank, The Speed of a Partner.
    Unitas delivers institutional reliability with entrepreneurial flexibility; as a Scranton hard money lender, we navigate complex real estate deals and tailor financing that moves quickly, offering fast funding, clear terms, and guidance to help investors close on tight timelines.

  2. More Ways to Say ‘Yes’ to Your Deal.
    With an expanded credit box and creative underwriting, we finance projects other lenders decline, moving quickly on investments and tight timelines; as Scranton hard money lending specialists, our flexible terms help borrowers secure opportunities when conventional approvals fall short.

  3. Certainty from a Direct Lender.
    As a direct hard money lender in Scranton, we deploy our capital to move fast; with loan approval, you get secure funding and confident closings. Our direct lending model delivers speed, reliability, and communication from start to finish.

  4. Faster Funding, Faster Draws.
    Count on us to streamline the loan process in Scranton, enabling closings in as little as 10 days, fast funding, and prompt construction draw releases, keeping your real estate projects on schedule with clear updates and decisive support.


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Get Pre-Approved in 24 Hours
Apply today and secure funding for your next investment property in Scranton.

FAQ

Who qualifies for a hard money loan from Unitas Funding?

Looking for a partner, not just the cheapest rate? We tailor hard money investor loans to align with long-term goals and real timelines. Through our private money lending platform, we deliver fast funding at the offer stage, after your term sheet, and throughout the draw process. If you operate via an LLC or corporation and value speed and reliability for your real estate investments, we’re a strong fit. We specialize in hard money lending in Scranton, pairing local insight with construction loans and capital expertise so projects stay on track and building becomes faster, safer, and more secure.

What is required to apply for a Unitas real estate investment loan?

Start your real estate investment loan application with an LLC or corporation only and use funds strictly for business purposes. For investment property financing in Scranton, we make it easy: provide formation documents, operating agreement, EIN letter, purchase contract, rent roll, bank statements, credit authorization, and government-issued ID to keep the loan application moving.

- 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?

Our business purpose loans serve qualified investors with clear requirements: for any hard money loan, we determine your credit score using the median FICO score from a tri-merge, or the lower of two. Representative scores under 600 are ineligible for our investment property loans. These standards help us deliver dependable funding and competitive terms, including private loans in Scranton designed to align with timeline and strategy.

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

From your first steps to seasoned growth, we make the path simple with first time real estate investor loans tailored to your goals. Whether it’s your first fix and flip in Scranton or scaling with rental property loans, we streamline approvals, provide accessible capital, and keep timelines tight so deals close fast. Our flexible loan programs, transparent terms, and responsive guidance deliver the fix and flip funding and steady backing you need to purchase, renovate, and hold with confidence.

Is income verification required for investment property loans from Unitas?

Enjoy streamlined approvals with no personal income verification for our investment property loans. Our private real estate loans in Scranton leverage asset based lending, qualifying you on down payment strength and verified liquidity. We underwrite with a DSCR focus, prioritizing property cash flow over wages, delivering true DSCR loans. This data-driven approach lets real estate investors qualify on asset performance, access competitive terms, and confidently scale portfolios while we move fast and keep documentation light.

 

How long does the approval process take?

We move quickly with fast loan approval so investors act when timing matters. Same-day pre-approvals and term sheets are common for our hard money loans in Scranton, while final approval depends on clear title and thorough property valuation; our hybrid reviews typically take 3–5 business days. From there, we can close in as little as 10 days, helping you secure financing and compete confidently on local real estate opportunities with a responsive, credible lending partner.

 

Why choose Unitas over other hard money lenders in Scranton?

Blending construction know-how with lending discipline, we navigate investor challenges more effectively than most hard money lenders, closing private money loans in Scranton in as little as 10 days. We tailor each deal, prioritize long-term relationships, and offer rates starting at 9.25%. Our real estate loans reach up to 92.5% LTC, with high leverage loans supported by institutional capital and the attentive service of a dedicated private money lender, delivering speed, clarity, and confident execution.

 

How is a hard money lender different from a bank?

When you weigh a bank against a hard money lender, speed and flexibility tip the balance, and that’s where we excel with investment real estate loans tailored to your strategy. We deliver fast closing loans in days, not weeks, through a transparent, streamlined process that guides you from term sheet to payoff. Our fix and flip options, bridge loans, DSCR loans, and new construction lending in Scranton work efficiently, helping real estate entrepreneurs execute deals with confidence.

 

Do you provide funding in my state or city?

As a nationwide direct lender, we finance fix and flip loans, DSCR loans, new construction, and bridge loans in Scranton and throughout Pennsylvania. We provide business purpose loans and deliver reliable private capital solutions investors trust.

 

How do I apply for a real estate investment loan from Unitas?

Ready to apply for a real estate investment loan? We keep it personal and efficient: start with our online loan calculator, then an Account Executive connects to discuss your project, qualifications, and the smartest path for real estate investor financing. From pre approval through valuation, title, and draws, we streamline every step so real estate investors in Scranton move from offer to closing with confidence, backed by clear guidance, quick answers, and a lender that understands your goals.

 

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.