Springfield, MA’s Trusted Hard Money Lender for Real Estate Investors

Western Massachusetts' economic center offers real estate investors a compelling combination of affordable acquisition costs and consistent rental demand. Springfield's position as the region's healthcare, education, and commercial hub creates stable tenant pools while property values remain accessible compared to Eastern Massachusetts markets. Unitas Funding provides private loans tailored to Springfield real estate investors who recognize Springfield's potential and need financing that matches their ambition.

We've built our lending practice on delivering results when investors need them most. Our Springfield hard money lenders have a proven track record including 10,000 successfully funded loans backed by $4.5 billion in institutional capital. This demonstrates our capacity to support projects of all sizes and complexities. Whether you're rehabilitating Victorian homes in McKnight, building new construction in Pine Point, or assembling a multi-family portfolio across Hampden County, Unitas brings the financial strength and market knowledge that separate successful investors from those who watch opportunities pass.

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Fast, Reliable Capital for Your Next Real Estate Deal

Springfield's market rewards investors who can evaluate properties quickly and close transactions efficiently. Traditional bank timelines of 30-45 days eliminate your competitive advantage when sellers receive multiple offers. Unitas Funding closes on hard money loans in Springfield in 10 business days or less, with same-day pre-approvals that strengthen your negotiating position. Our underwriting analyzes property fundamentals and investment economics rather than following bureaucratic protocols, enabling you to submit compelling offers backed by verified financing.

Fix & Flip Loans

Fix & Flip Loans

Springfield's housing stock includes substantial renovation opportunities for investors who can identify undervalued properties and execute strategic improvements. We deliver up to 92.5% loan-to-cost financing with rates starting at 8.99%, funding both property purchases and rehabilitation expenses. Our underwriting evaluates after repair value (ARV) using comprehensive market analysis and comparable sales data, providing leverage that optimizes your capital efficiency. From modernizing homes in Old Hill to transforming properties in Liberty Heights, our flexible draw structure maintains capital availability throughout construction.

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New Construction Loans

New Construction Loans

Developing properties from foundation to completion requires lenders who understand construction management, cost control, and market timing. Unitas provides new construction funding for residential projects throughout Springfield and surrounding communities. We align financing with your development schedule through milestone-based funding verified by third-party inspections. Our 24-48 hour draw processing after verification maintains subcontractor payment schedules and project momentum, essential factors in controlling costs and meeting completion deadlines.

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Bridge Loans

Bridge Loans

Timing gaps between property transactions shouldn't prevent profitable investments. Our bridge loans deliver 6-12 month financing when you need to secure properties immediately, manage transitions between holdings, or stabilize assets while arranging long-term financing. Springfield's improving market conditions create opportunities that demand quick action. Unitas provides the closing speed and funding certainty that traditional lenders cannot deliver.

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DSCR Loans

DSCR Loans for Rental Properties

Building rental portfolios in Springfield's steady tenant market requires financing that evaluates properties on income performance rather than personal financial statements. Our debt service coverage ratio (DSCR) loans qualify through rental income analysis, removing W-2 verification and personal tax return documentation requirements. Whether you're acquiring properties near American International College, targeting multi-families in established neighborhoods, or diversifying holdings across Western Massachusetts, our asset-based underwriting accelerates qualification and portfolio growth.

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What makes Unitas different?

  1. The Power of a Bank, The Speed of a Partner
    We deliver institutional financial capacity without institutional bureaucracy. Our $4.5 billion in capital backing provides funding security and transaction reliability, while our direct lending structure ensures rapid decision-making and personalized service. You communicate with experienced underwriters who possess approval authority and understand investment real estate fundamentals.

  2. More Ways to Say 'Yes' to Your Deal
    Springfield's varied property types and investment strategies don't conform to standardized lending templates. Unitas evaluates your specific property characteristics, investment approach, and market positioning rather than applying rigid formulas. Our Springfield hard money lending team combines construction expertise, real estate analysis, and institutional lending experience to structure creative solutions when traditional lenders reject opportunities.

  3. Certainty From a Direct Lender
    Unitas commitments guarantee completed transactions. As a direct lender controlling our capital, we don't depend on secondary market sales or external funding sources. When we approve your financing, that approval is final. No unexpected complications, no funding disruptions, no closing uncertainty. This reliability proves especially valuable during market volatility when conduit lenders experience capital constraints.

  4. Faster Funding, Faster Draws
    Efficient capital deployment continues throughout your project timeline. We close initial funding in 10 days or less, then maintain that efficiency during construction with 24-48 hour draw approvals after inspection verification. No arbitrary draw restrictions, no bureaucratic delays. You control project pacing and maintain contractor productivity from commencement through completion.

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Get Pre-Approved in 24 Hours!

Launch your next Springfield investment with confidence. Submit your project information below and receive a preliminary term sheet within 24 hours. Our Western Massachusetts lending team will analyze your deal and provide transparent rates and terms. Whether you're executing your first investment or expanding an established portfolio, we'll structure financing that aligns with your strategy and timeline.

Frequently Asked Questions

What types of investment properties do you finance?

Unitas finances residential investment properties including single-families, multi-families, mixed-use buildings, and new construction developments. We provide fix-and-flip financing, bridge loans, ground-up construction funding, and DSCR rental property loans throughout Springfield, Chicopee, Holyoke, and Western Massachusetts communities. All financing is business-purpose only through business entities such as LLCs or corporations.

How quickly can you close on a Springfield investment property?

Unitas closes private loans for Springfield real estate investors in as little as 10 business days with complete documentation. Most transactions receive same-day pre-approval and advance to final approval within 3-5 business days, subject to title examination and property valuation completion. Our direct lending model and experienced underwriting eliminate traditional bank processing delays.

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

We provide up to 92.5% loan-to-cost financing on qualified fix-and-flip projects with interest rates starting at 8.99%. Specific LTC ratios and rates vary based on property location, borrower experience, project scope, and market conditions. Our underwriting focuses on after repair value (ARV) and documented exit strategy rather than rigid formulas.

Do you require personal income verification for DSCR loans?

No. DSCR loans qualify through property income analysis rather than personal income documentation. We evaluate the debt service coverage ratio by comparing projected rental income against proposed loan payments. This asset-based underwriting eliminates the need for W-2s, pay stubs, or personal tax returns, streamlining qualification and focusing on property performance.

What areas of Springfield do you serve?

Unitas provides hard money lending throughout Springfield and Western Massachusetts. We finance investment properties in all Springfield neighborhoods including McKnight, Pine Point, Old Hill, Liberty Heights, and surrounding areas. Our coverage extends throughout Hampden County including Chicopee, Holyoke, West Springfield, and neighboring Massachusetts markets.

Ready to Fund Your Next Springfield Real Estate Investment?

Springfield's real estate market rewards investors who combine market insight with execution capability. Unitas Funding provides the capital, expertise, and reliability you need to compete effectively and build wealth through strategic property investment. Our institutional backing, regional market understanding, and investor-focused service deliver more than financing. We deliver a partnership and are committed to your long-term success. Contact our Springfield hard money lenders today to discuss your project.


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