Smyrna’s Trusted Hard Money Lender for Real Estate Investors

Ready to close faster and grow with confidence? We back builders, landlords, and real estate investors across Tennessee with reliable capital, construction lending expertise, and streamlined processes. Our Smyrna hard money loans feature quick approvals, flexible draws, and clear terms so your real estate investments stay on schedule.

Whether you’re planning to fix and flip financing, seeking bridge loans, or pursuing new construction funding, we act as experienced private money lenders who move at your pace. As a collaborative partner, we listen, adapt, and deliver options tailored to deals, helping real estate investors seize opportunities from offer to close.

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Fast, Reliable Capital for Your Next Real Estate Deal

Blending institutional stability with rapid execution, we operate as a nimble hard money lender backed by strength that real estate investors trust. As Smyrna’s private money lender, our tailored loan programs cover fix and flip, new construction, rental property loans, and short-term bridge financing. With streamlined underwriting, quick closings, and flexible terms, we help clients move fast, scale portfolios, and build durable returns while keeping service straightforward and communication clear.

Fix & Flip Loans

Fix & Flip Loans

Leverage our fix & flip loans in Smyrna to move quickly on value-add properties, backed by agile short term financing and a streamlined hard money rehab loan process. We underwrite the After Repair Value (ARV), giving you confident leverage for acquisitions and renovations, whether you’re executing a classic flip or the BRRRR method. Expect responsive fix and flip funding that covers purchase and rehab, fast closings, and clear terms designed to maximize timelines, budgets, and exit strategies.

 

 

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New Construction Loans

New Construction Loans

If you need flexible financing for ground up construction, our private construction loans make it straightforward. We back projects ranging from single family spec homes to multi unit residential and mixed use developments, tailoring terms to your timeline. As Smyrna’s private construction lender, we guide a staged draw process tied to milestones, so you can secure funds for lot acquisition, horizontal improvements, and vertical build with confidence while we stay responsive and keep costs and timing on track.

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Bridge Loans

Bridge Loans

We provide hard money bridge loans for decisive moves when timing is tight and conventional lenders can’t keep pace. Use our gap financing as flexible interim financing to acquire an investment property, fund light rehab, or stabilize income ahead of permanent financing. With real estate bridge loans in Smyrna, we streamline underwriting, respond fast, and align terms with your exit, helping you close confidently while maintaining optionality across changing market conditions.

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DSCR Loans

DSCR Loans for Rental Properties

Choose Smyrna DSCR loans built for investors who want simplicity and speed, with no income verification required. Underwriting centers on the property’s performance through the Debt Service Coverage Ratio, making these rental loans straightforward for growing a portfolio. As flexible asset based loans, they work well for landlord financing on long-term rentals, STRs, or MTRs. Use investment property mortgages to acquire, refinance, or expand holdings while keeping cash flow front and center and timelines predictable.

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What makes Unitas different?

  1. The Power of a Bank, The Speed of a Partner.
    Unitas blends institutional reliability with entrepreneurial flexibility as a Smyrna hard money lender, guiding complex real estate deals with tailored terms; we approve swiftly and deliver fast funding, helping investors close confidently while maintaining clear communication and consistent underwriting.

  2. More Ways to Say ‘Yes’ to Your Deal.
    Powered by an expanded credit box and creative underwriting, we finance projects others pass on, moving fast on unique investments and deadlines; as Smyrna’s top hard money lending team, we find smart ways to say yes and deliver certainty.

  3. Certainty from a Direct Lender.
    We move as a direct hard money lender in Smyrna, deploying our own capital so you close with confidence; our direct lending approach accelerates loan approval and ensures secure funding with clear terms, timely closings, and guidance every step.

  4. Faster Funding, Faster Draws.
    Speed drives results in real estate, and we deliver with a streamlined Smyrna loan process that enables closings in as little as 10 days, fast funding, and construction draw releases—keeping projects on schedule, communication responsive, and profitability strong.

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

FAQ

Who qualifies for a hard money loan from Unitas Funding?

Looking for a dependable capital partner that moves at your pace? We tailor hard money investor loans for operators who value a long-term private money lending relationship over the cheapest rate, delivering fast funding at offer, after the term sheet, and through every step of the draw process. Ideal fit if you manage real estate investments via an LLC or corporation and want a lender fluent in both construction and capital. Our hard money lending in Smyrna supports acquisitions, rehabs, and ground-up builds, backed by flexible construction loans and clear communication from underwriting to exit.

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

Begin your real estate investment loan with a loan application submitted through a business entity—LLC or corporation only—strictly for investment use; we don’t lend to individuals. For investment property financing in Smyrna, provide formation documents, EIN, photo ID, purchase contract, bank statements, tax returns, insurance, rent roll, appraisal, and a concise rehab budget for fast underwriting.

- 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?

Driven by your goals, we offer business purpose loans to qualified investors with strong histories, and we underwrite with clarity. For a hard money loan, we determine your credit score 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 discipline lets us deliver reliable capital and competitive private loans in Smyrna tailored to your profile.

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

As a lender trusted by new and seasoned investors, we offer first time real estate investor loans that keep deals moving. Launch your first fix and flip in Smyrna with confidence, or scale holdings using our rental property loans. We pair tailored loan programs with accessible capital and clear guidance, so you can act fast and stay on budget. From underwriting to close, our streamlined process delivers the fix and flip funding you need to finish strong.

Is income verification required for investment property loans from Unitas?

Skip the paperwork: we don’t require personal income verification for our investment property loans, and our private real estate loans in Smyrna use asset based lending that values your down payment and liquidity. We underwrite with DSCR-focused metrics, prioritizing property cash flow, so these are true DSCR loans designed to move fast. With responsive service and clear terms, we help real estate investors qualify on performance and confidently scale portfolios while maintaining healthy reserves and flexibility.

 

 

 

How long does the approval process take?

Move quickly with our fast loan approval—we often issue same-day pre-approvals and term sheets for hard money loans, including hard money loans in Smyrna. Final approval depends on clear title and property valuation, and our hybrid valuations typically finish in 3–5 business days. With streamlined underwriting, we can close in as little as 10 days, helping investors secure financing for competitive real estate opportunities while keeping the process clear and collaborative.

 

 

 

Why choose Unitas over other hard money lenders in Smyrna?

We bring construction know-how and lending precision to every deal, understanding investor challenges better than most hard money lenders. We close private money loans in Smyrna in as little as 10 days, tailor terms to your project, and prioritize lasting partnerships. With rates starting at 9.25% and real estate loans up to 92.5% LTC, you access institutional capital with the attentive service of a private money lender, plus flexible high leverage loans designed to help you scale.

 

 

 

How is a hard money lender different from a bank?

When you compare a hard money lender with a bank, prioritize speed and flexibility; we specialize in investment real estate loans, offer fast closing loans in days, and tailor structures to creative deals. Expect a transparent, streamlined process with hands-on guidance from start to finish. Our fix and flip options, bridge loans, and DSCR loans move quickly, while our new construction lending in Smyrna delivers efficient capital so local investors can act decisively and scale with confidence.

 

 

 

Do you provide funding in my state or city?

As a nationwide direct lender, we make real estate investing simpler with fix and flip loans, DSCR loans, new construction financing, and bridge loans in Smyrna and across Tennessee. We lend broadly with a few exceptions: we do not lend in Alaska, Arizona, Minnesota, South Dakota, or North Dakota, and we avoid direct lending in Baltimore, Chicago, and Detroit. In Nevada, Washington, Oregon, and Utah, we work exclusively through licensed brokers. Elsewhere, we deliver business purpose loans and dependable private capital solutions investors trust.

 

 

 

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

When you’re ready to pursue a real estate investment loan, we make it personal and efficient; use our online loan calculator and an Account Executive will connect to review your project, qualifications, and next steps for real estate investor financing. From pre approval through valuation, title, and draws, we streamline each milestone so real estate investors in Smyrna enjoy a smooth, confident path to closing.

 

 

 

Fast, Reliable Capital – No Red Tape

Get the certainty of a direct lender and close in as little as 10 days.