Sumter, SC's Trusted Hard Money Lender for Real Estate Investors

Sumter's economy runs on two anchors that don't move with the broader housing cycle: Shaw Air Force Base, one of the largest Air Force installations in the Southeast, and the Continental Tire manufacturing plant that has drawn steady industrial investment to the area. That combination keeps workforce and rental housing demand consistent even when other Southern markets cool, and it has made Sumter an underrated market for investors who understand military- and manufacturing-driven housing turnover. Renovation opportunity is strongest in established neighborhoods near downtown Sumter and the Swan Lake Iris Gardens district, where dated housing stock is being upgraded for both base personnel and long-term residents.

Unitas Funding provides private capital for real estate investors throughout Sumter and Sumter County, South Carolina — fix-and-flip, new construction, bridge loans, and DSCR rental financing. With $4.5 billion deployed nationwide and direct lending capital, we bring institutional speed and certainty to every Sumter-area transaction: real pre-approvals in 24 hours and closings in as little as 10 business days.

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Fast, Reliable Capital for Your Next Sumter Deal

Sumter's market rewards investors who can move fast and close with certainty. Unitas Funding delivers rates from 8.99%, up to 92.5% loan-to-cost on qualified projects, and real pre-approvals — not meaningless pre-qualifications — in 24 hours. We evaluate deals on property fundamentals and your exit strategy in Sumter, not bureaucratic checklists.

Fix & Flip Loans

Fix & Flip Loans

Unitas Funding's fix-and-flip loans give Sumter investors up to 92.5% loan-to-cost on qualified renovation projects, with rates starting at 8.99% and interest-only terms of 12, 18, or 24 months. We fund the purchase price and the renovation budget together, with draws released in 24-48 hours so your Sumter project stays on schedule.

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New Construction Loans

New Construction Loans

For ground-up builds in Sumter and across Sumter County, our new construction loans cover land acquisition and vertical construction costs with the same 92.5% loan-to-cost and 24-48-hour draw turnaround as our renovation loans. Most projects require approximately 10 draws over the build timeline, and each one receives the same priority processing as your initial funding.

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Bridge Loans

Bridge Loans

When timing doesn't line up — between the sale of one Sumter property and the acquisition of another, or while arranging long-term financing — our bridge loans provide 6-to-12-month interim capital with the same 24-hour pre-approval and 10-business-day closing investors rely on for every other Unitas loan program.

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DSCR Loans

DSCR Loans for Rental Properties

Our DSCR rental loans qualify Sumter investors based on a property's projected rental income rather than personal income documentation. That makes it straightforward to scale a rental portfolio across Sumter County without W-2s, tax returns, or employment verification slowing down your next acquisition.

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What Makes Unitas Different in Sumter

  1. Institutional Resources
    With $4.5 billion in capital deployed nationwide, Unitas Funding lends directly — there's no broker chain and no committee delay between you and your capital. In Sumter, that means we can fund renovation, construction, and acquisition deals tied to Shaw Air Force Base and the Continental Tire manufacturing plant without the capital constraints that limit smaller private lenders.

  2. Underwriting for Property Fundamentals
    We underwrite the deal, not your tax returns. In Sumter, that means evaluating after-repair value, local rent and resale comparables, and your exit strategy — not chasing W-2s or personal debt-to-income ratios. Borrowers with a strong deal and a clear plan move through underwriting quickly, regardless of credit history.

  3. We Fund What We Approve
    When we issue a pre-approval on a Sumter property, that approval holds. There's no surprise committee reversal three days before closing — a critical advantage in a market shaped by workforce housing turnover tied to base personnel.

  4. Speed That Matches Market Reality
    Closing in 10 business days gets you into the property fast, and draw requests process in 24-48 hours after inspection. Most Sumter projects require approximately 10 draws, and each one gets the same urgent turnaround as your initial funding — a meaningful edge in a market moving as fast as Sumter's.


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Get Pre-Approved in 24 Hours
Stop losing Sumter deals to investors with faster financing. Unitas delivers real pre-approvals in 24 hours — not meaningless pre-qualifications, but actual approvals that give you credibility when making offers on Sumter properties. Our focus is on property value and deal structure, not endless personal documentation.

Frequently Asked Questions

What types of investment properties do you finance in Sumter?

We finance business-purpose real estate throughout Sumter and Sumter County: single-family homes, multifamily properties, townhomes, and mixed-use residential buildings. We fund fix-and-flip projects, new construction, bridge loans, and DSCR rental property acquisitions. All loans must be made through business entities — we don't provide consumer mortgages or owner-occupied financing.

How quickly can you close on a Sumter investment property?

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

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

We offer loan-to-cost ratios up to 92.5% on qualified fix-and-flip projects in Sumter, 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 your exit strategy, with rates starting at 8.99% and terms customized to your project timeline.

Do you require personal income verification for DSCR loans in Sumter?

No. Our DSCR loans in Sumter qualify based on the rental property's income potential, not your personal W-2s, tax returns, or employment history. We evaluate whether projected rent covers debt service, which makes portfolio building straightforward for Sumter investors.

What areas of Sumter do you serve?

We lend throughout Sumter, including Downtown Sumter, the Swan Lake Iris Gardens district, and Hillcrest, as well as the broader Sumter County market. Wherever the deal makes sense within South Carolina, our team can structure financing around it.

 

Ready to Fund Your Next Sumter Real Estate Investment?

Unitas Funding has funded 40+ deals for real estate investors across Sumter and the broader Sumter County. Whether you're renovating a property near Downtown Sumter, building new construction near the Swan Lake Iris Gardens district, or acquiring a DSCR rental in Sumter, our team delivers institutional capital with direct-lender speed: rates from 8.99%, up to 92.5% LTC, pre-approvals in 24 hours, and closings in 10 business days. Apply today and put $4.5 billion in deployed capital behind your next Sumter investment.

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