Seattle, WA's Trusted Hard Money Lender for Real Estate Investors

Seattle's real estate market doesn't wait for anyone. Properties move in days, sometimes hours, and traditional bank financing that takes 30 to 45 days might as well take forever. Unitas Funding closes hard money loans in as little as 10 business days, giving you the speed to compete in one of the country's most competitive markets. We're not here to tell you maybe. We're here to fund deals.

We specialize in private loans for real estate investors in Seattle and the Puget Sound region. Whether you're flipping a Craftsman in Queen Anne, building new construction in Ballard, securing bridge financing for a Capitol Hill property, or scaling a rental portfolio in West Seattle, we focus on your property's value and your exit strategy. With $4.5 billion in funded loans and thousands of closed deals, we've got the institutional backing to deliver and the direct lending model to move fast.

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Fast, Reliable Capital for Your Next Real Estate Deal

Investors need financing that matches the market's intensity. We offer multiple loan programs with rates starting at 8.99% and loan-to-cost ratios up to 92.5% on qualified projects. Our Seattle hard money lenders can deliver pre-approvals in 24 hours, giving you the confidence to make competitive offers in neighborhoods from Fremont to Georgetown. We don't just push paper. We structure deals that actually work for your specific investment strategy and timeline.

Fix & Flip Loans

Fix & Flip Loans

Seattle's older housing stock creates opportunities for investors who know how to add value. Our fix and flip financing covers both purchase price and renovation costs based on after repair value, so you're leveraging the property's future worth, not its current distressed state. We offer 12-, 18-, and 24-month terms with interest-only payments that keep your cash flow healthy while you're transforming the property. When you need renovation capital, our draw process runs 24 to 48 hours after inspection, fast enough to keep your contractors working and your project on schedule.

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New Construction Loans

New Construction Loans

Building means navigating complex permitting, expensive labor, and tight timelines. Our new construction funding covers single-family spec homes and multifamily residential projects throughout King County. We structure draw schedules around actual construction milestones, not arbitrary calendar dates that ignore reality. Whether you're building modern townhomes in Columbia City or single-family homes in Magnolia, we bring the construction knowledge and capital to get your project from dirt to certificate of occupancy.

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Bridge Loans

Bridge Loans

Sometimes the timing doesn't line up perfectly, and that's where bridge loans save deals. Maybe you need to close on a property before your permanent financing is ready, or you're waiting on another sale to fund your next purchase. Our bridge loan terms run 6 to 12 months, giving you the gap financing to move when opportunities appear. Seattle investors use our bridge products to grab auction properties, secure off-market deals before they hit the MLS, and transition between investment phases without losing momentum to slower competitors.

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DSCR Loans

DSCR Loans for Rental Properties

Building a rental portfolio shouldn't require endless personal financial documentation. Our debt service coverage ratio (DSCR) loans qualify based on one simple question: does the property's rent cover the mortgage payment? If the numbers work, we fund it. This works for short-term rentals in University District, mid-term rentals near Seattle Children's Hospital, and traditional long-term properties anywhere in the metro. It's asset-based lending that makes sense. The property's income potential matters, not your tax returns from three years ago.

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What makes Unitas different?

  1. The Power of a Bank, The Speed of a Partner
    We're backed by $4.5 billion in institutional capital, so you never wonder whether the funding will actually be there at closing. But we're not a bank drowning in bureaucracy, but a direct lender built specifically for real estate investors. That means you get financial stability without the committee meetings, policy manuals, and loan officers who've never seen a construction site. You work with people who understand real estate investment because that's all we do.

  2. More Ways to Say ‘Yes’ to Your Deal
    Traditional lenders have rigid boxes, and if your deal doesn't fit perfectly, you're rejected. We evaluate deals based on property fundamentals, market conditions, and whether your exit strategy makes financial sense. We customize loan structures around your specific project requirements, not force square pegs into round holes. When other lenders automatically say no to something unconventional, we actually analyze whether there's a way to make it work.

  3. Certainty from a Direct Lender
    We own our capital. We're not brokers shopping your deal around, and we don't sell loans to secondary markets that might disappear when volatility hits. When we approve your loan, that approval is final. This means no surprise committee reviews, no funding falling through three days before closing, and no last-minute changes. This certainty matters in Seattle's competitive market where you're often up against cash buyers and tight contract deadlines.

  4. Faster Funding, Faster Draws
    Closing in 10 days gets you into the property, but what happens when you need your fourth draw and the lender takes two weeks to process it? We turn around draw requests in 24 to 48 hours after inspection completion. Your renovation or construction project moves at the speed of actual work, not the speed of our internal bureaucracy. Most projects need about 10 draws, and every single one gets processed with the same urgency as your initial funding.

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Get Pre-Approved in 24 Hours!
Stop losing deals to investors with faster financing. Fill out the form below, and we'll deliver a real pre-approval in 24 hours. We don’t just offer a pre-qualification that means nothing, but an actual approval that gives you credibility when you're making offers. Our Seattle hard money lenders focus on property value and deal structure, not endless personal financial documentation that delays decisions for weeks.

Frequently Asked Questions

What types of investment properties do you finance?

We finance business-purpose real estate investments throughout Seattle and King County: single-family homes, multifamily properties, townhomes, mixed-use residential buildings. We fund fix-and-flip projects, new construction, bridge loans, and DSCR rental property acquisitions. All loans go through business entities. We don't do consumer mortgages or owner-occupied financing. This is strictly investment property lending.

How quickly can you close on a Seattle investment property?

Ten business days with complete documentation. We can deliver pre-approvals in 24 hours, and final approvals typically happen within 3 to 5 business days depending on title clearance and property valuation. Compare that to the 30 to 45 days minimum that traditional banks require, and you'll understand why serious Seattle investors who need to move fast choose hard money lending over conventional financing.

What are your loan-to-cost ratios for Seattle fix-and-flip projects?

Our Seattle hard money lenders offer loan-to-cost ratios up to 92.5% on qualified fix-and-flip projects, covering both purchase price and renovation budget. Actual LTC depends on the property type, location, your experience level, and project scope. We underwrite based on after repair value and your exit strategy. Rates start at 8.99%, and we customize terms to match your specific project timeline and investment plan.

Do you require personal income verification for DSCR loans?

No. Our debt service coverage ratio loans qualify based on the rental property's income potential, not your personal W-2s, tax returns, or employment history. We evaluate whether the property generates enough rent to cover the debt service. You'll need to provide business entity documentation and demonstrate liquidity for down payment and reserves, but we're not asking for personal income verification that slows everything down.

What areas of Seattle do you serve?

We provide private real estate loans for Seattle investors throughout the greater King County area such as Queen Anne, Ballard, Capitol Hill, West Seattle, Fremont, Georgetown, Columbia City, Magnolia, University District, Wallingford, Beacon Hill, Bellevue, Redmond, Kirkland, and surrounding communities. Important: we're a wholesale lender in Washington State, which means we work exclusively through licensed mortgage brokers. We don't accept direct applications from borrowers. Connect with a licensed broker to access our lending programs for your Seattle investment property.

Ready to Fund Your Next Seattle Real Estate Investment?

Seattle's market rewards speed, and you need financing that keeps pace. Whether you're flipping your first property or building a portfolio of rental homes across the Puget Sound, Unitas Funding brings the capital, expertise, and urgency to help you close more deals. Stop losing opportunities to investors with better financing. Contact us today and find out what working with real hard money lenders in Seattle looks like.

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