St. Petersburg, FL's Trusted Hard Money Lender for Real Estate Investors

St. Petersburg real estate doesn't wait for slow lenders. While banks shuffle paperwork for weeks, serious investors close deals and move forward. We deliver capital in 10 business days or less, so you compete effectively in St. Petersburg's fast-moving market. We're not here to tell you maybe. We're here to fund deals.

We specialize in private loans for real estate investors in St. Petersburg and the Florida region. Whether you're flipping properties, building new construction, securing bridge financing, or scaling a rental portfolio, we focus on your property's value and exit strategy. With $4.5 billion in funded loans and thousands of closed deals, we combine institutional backing with direct lending speed.

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Fast, Reliable Capital for Your Next St. Petersburg Deal

Capital shouldn't slow you down in St. Petersburg. Our programs start at 8.99% with LTC ratios reaching 92.5% on qualified deals. Get pre-approved in 24 hours and make offers that sellers take seriously. We customize terms for your exact project, not force you into rigid templates.

Fix & Flip Loans

Fix & Flip Loans

Value-add properties throughout St. Petersburg need smart financing. Fix and flip loans from Unitas cover acquisition and rehab costs using ARV-based underwriting. Choose 12-, 18-, or 24-month terms with interest-only payments to manage cash flow strategically. Draws process in 24-48 hours post-inspection, so your renovation schedule maintains momentum.

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New Construction Loans

New Construction Loans

Building in St. Petersburg means navigating permits, labor costs, and timelines. Our new construction funding covers single-family spec homes and multifamily residential projects. We structure draw schedules around actual construction milestones, not arbitrary calendar dates. With rates starting at 8.99% and terms customized to your build schedule, we bring both capital and construction knowledge from dirt to certificate of occupancy.

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Bridge Loans

Bridge Loans

Timing gaps happen in St. Petersburg real estate. Maybe you need to close before permanent financing is ready, or you're waiting on another sale to fund your next purchase. Our bridge loans run 6 to 12 months, providing gap financing when opportunities appear. St. Petersburg investors use bridge products to grab auction properties, secure 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 in St. Petersburg shouldn't require endless personal financial documentation. Our DSCR loans qualify on one question: does the rent cover the mortgage? If the numbers work, we fund it. Available for short-term, mid-term, and long-term rentals anywhere in the St. Petersburg metro. The property's income potential matters, not your tax returns from three years ago.

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What Makes Unitas Different in St. Petersburg

  1. The Reliability of a Bank, The Agility of a Partner
    Backed by $4.5 billion in institutional capital, funding is never a question at closing. But we're not a bank drowning in bureaucracy—we're a direct lender built for real estate investors. You get financial stability without committee meetings, policy manuals, and loan officers who've never seen a construction site.

  2. More Ways to Approve Your Deal
    Traditional lenders have rigid boxes. If your deal doesn't fit perfectly, you're rejected. We evaluate St. Petersburg deals based on property fundamentals, market conditions, and whether your exit strategy makes financial sense. We customize loan structures around your specific project, not force square pegs into round holes.

  3. Certainty from True Direct Lending
    We own our capital. We're not brokers shopping your deal around, and we don't sell loans to secondary markets. When we approve your loan, that approval is final. No surprise committee reviews, no funding falling through three days before closing, no last-minute changes.

  4. Speed Through the Entire Process
    Closing in 10 business days gets you into the property. Our draw requests process in 24 to 48 hours after inspection completion. Your St. Petersburg renovation or construction project moves at the speed of actual work, not bureaucracy. Most projects need about 10 draws, and every one gets processed with the same urgency as initial funding.


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Get Pre-Approved in 24 Hours!
Stop losing St. Petersburg deals to investors with faster financing. We deliver real pre-approvals in 24 hours—not pre-qualifications that mean nothing, but actual approvals that give you credibility when making offers.

Frequently Asked Questions

What types of investment properties do you finance in St. Petersburg?

 We finance business-purpose real estate throughout St. Petersburg and Florida: 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. 

How quickly can you close on a St. Petersburg investment property?

10 business days with complete documentation. Pre-approvals deliver in 24 hours, and final approvals typically happen within 3 to 5 business days depending on title clearance and property valuation. Compare that to 30-45 days minimum for traditional banks, and you'll understand why serious St. Petersburg investors choose hard money over conventional financing.

What are your loan-to-cost ratios for St. Petersburg fix-and-flip projects?

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

Do you require personal income verification for DSCR loans in St. Petersburg?

No. Our DSCR loans in St. Petersburg 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 debt service. You provide business entity documentation and demonstrate liquidity for down payment and reserves, but we're not requesting personal income verification.

What areas of St. Petersburg do you serve?

We provide private real estate loans throughout St. Petersburg, surrounding Florida communities, and the metro area. We lend in urban and suburban markets across the region. Whether your property is in St. Petersburg proper or nearby towns, we have the local market knowledge and lending appetite to support your investment.

Ready to Fund Your Next St. Petersburg Real Estate Investment?

Unitas Funding provides the fast, flexible private loans St. Petersburg real estate investors need to compete and close. Whether you're renovating a bungalow in Kenwood or building new in Pinellas County, we're ready to fund your next deal. Contact us today to discuss your St. Petersburg investment property financing.

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