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

Finding the right investment property is only half the battle. The other half is securing financing fast enough to actually close the deal. While traditional banks drag their feet for 30 to 45 days, Unitas Funding puts capital in your hands in as little as 10 business days. We're hard money lenders in Spokane who understand that in real estate, timing isn't everything. It's the only thing.

We offer private loans for Spokane real estate investors interested in fix-and-flip projects in South Hill, new construction in Kendall Yards, bridge loans for properties near Gonzaga, and DSCR rental loans across the entire Spokane metro. Our lending decisions focus on your credit score and property's value and potential, not your personal income. With $4.5 billion in funded loans backing our operations, we've got the capital and experience to say yes when banks say no. More importantly, when we say yes, we actually close.

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Fast, Reliable Capital for Your Next Real Estate Deal

Speed without reliability is worthless. Reliability without speed costs you opportunities. Unitas delivers both. Our rates start at 8.99%, we'll go up to 92.5% loan-to-cost on the right projects, and we can get you pre-approved in 24 hours. That's not marketing talk, but how we operate every single day for investors throughout Washington State.

Fix & Flip Loans

Fix & Flip Loans

Spokane's housing market is full of properties that need work, and investors who know how to add value make serious money here. Our fix and flip financing covers your purchase price and renovation budget based on after repair value, not the current distressed condition. We offer 12-, 18-, and 24-month terms with interest-only payments, so your cash flow stays healthy while you're adding value. When you're ready for draws, we process them in 24 to 48 hours after inspection.

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New Construction Loans

New Construction Loans

Building from the ground up requires a lender who actually understands construction, not just paperwork. Our new construction funding covers single-family spec homes and multifamily residential projects throughout Spokane County. We structure draw schedules around real construction milestones, not arbitrary timelines that ignore how building actually works. Whether you're putting up modern townhomes or traditional single-family homes, we've funded enough ground up construction to know what works and what doesn't.

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Bridge Loans

Bridge Loans

Sometimes you need money now and you'll have money later. Maybe you're waiting on another property to sell, or you need to close fast on an opportunity before your permanent financing is ready. Our bridge loan terms run 6 to 12 months, giving you the gap financing to make smart moves without desperate compromises. Spokane investors use our bridge products to grab auction properties, lock down off-market deals, and transition between investment phases without losing momentum.

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DSCR Loans

DSCR Loans for Rental Properties

Building a rental portfolio shouldn't require handing over your tax returns and employment records. Our debt service coverage ratio (DSCR) loans qualify on one thing: can the property's rent cover the mortgage payment? If the numbers work, we fund it. This works for short-term rentals, mid-term rentals, and traditional long-term residential properties anywhere in Spokane. It's asset-based lending that actually makes sense. The property's income matters, not your W-2.

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What makes Unitas different?

  1. The Power of a Bank, The Speed of a Partner
    Our Spokane hard money lenders have $4.5 billion in institutional capital behind us, so you never have to worry about whether the money will actually be there at closing. But we're not a bank, we're a direct lender built specifically for real estate investors. That means you get financial stability without the bureaucratic nightmare. You talk to people who understand real estate investment, not loan officers reading from scripts.

  2. More Ways to Say ‘Yes’ to Your Deal
    Banks have boxes. If your deal doesn't fit their box, you're done. We don't work that way. Our underwriting looks at your property's fundamentals, your exit strategy, and whether the deal actually makes financial sense. We customize loan structures around your specific project, not force your project into our standardized templates. When other lenders automatically decline something, we actually figure out if there's a way to make it work.

  3. Certainty from a Direct Lender
    We own our capital. Our Spokane hard money lenders don't broker deals or sell them off to secondary markets. When we approve your loan, that's final. There are no surprise committee reviews, no funding falling through at the last second, and no games. This matters when you're competing against cash buyers or working with tight contract deadlines. Our approval means something because we're the ones actually funding it.

  4. Faster Funding, Faster Draws
    Closing in 10 days is great, but what about when you need your third draw and the lender takes two weeks to process it? We turn around draw requests in 24 to 48 hours after inspection. Your renovation or construction project moves at the speed of actual work, not the speed of our internal processes. Most projects need about 10 draws, and every single one gets the same fast treatment.

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Get Pre-Approved in 24 Hours!
Stop waiting around for banks to maybe give you an answer eventually. Fill out the form below and we'll get you a real pre-approval in 24 hours. We focus on property value and deal structure, not digging through five years of tax returns.

Frequently Asked Questions

What types of investment properties do you finance?

We finance business-purpose real estate investments: single-family homes, multifamily properties, townhomes, mixed-use residential buildings. We do fix-and-flips, new construction, bridge loans, and DSCR rental property loans throughout Spokane and Eastern Washington. Everything goes through a business entity. We do not do consumer loans or owner-occupied mortgages. This is strictly investment property financing.

How quickly can you close on a Spokane investment property?

Ten business days with complete documentation. Pre-approval comes in 24 hours. Final approval typically happens in 3 to 5 business days depending on title and appraisal. Compare that to the 30 to 45 days minimum that banks need, and you'll understand why serious investors who need to move fast work with us instead.

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

We go up to 92.5% loan-to-cost on qualified projects, covering both purchase and renovation. The actual ratio depends on the property, location, your experience, and the scope of work. We underwrite based on after repair value and your exit strategy. Rates start at 8.99%, and we customize terms to your specific project and timeline.

Do you require personal income verification for DSCR loans?

No. The property's rental income is what matters, not your W-2s or tax returns. We're looking at whether the rent covers the debt service. You'll need to show business entity documentation and prove you've got the liquidity for down payment and reserves, but we're not asking for personal income verification.

What areas of Spokane do you serve?

We cover all of Spokane and Spokane County (South Hill, North Spokane, Browne's Addition, Kendall Yards, Perry District, West Central, Spokane Valley, Liberty Lake). Important note: we're a wholesale lender in Washington State, which means we work through licensed mortgage brokers only. We don't take direct applications from borrowers. Find a licensed broker and they can access our programs for your Spokane investment.

Ready to Fund Your Next Spokane Real Estate Investment?

Spokane's market moves fast, and you need financing that moves faster. Whether this is your first flip or your fiftieth rental property, Unitas Funding brings the capital, speed, and expertise to help you close more deals. Stop losing opportunities to investors with better financing. Talk to our Spokane hard money lenders today and find out what working with a real lending partner actually looks like.

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