Surprise, AZ's Trusted Hard Money Lender for Real Estate Investors

When properties move fast across Surprise's booming West Valley corridors, traditional financing timelines become deal-killers. Banks requiring 30-45 days for approval and closing can't compete with all-cash offers or investors who've already secured funding. Unitas Funding closes hard money loans in as little as 10 business days, delivering the competitive advantage Surprise investors need. We're not here to tell you maybe. We're here to fund deals.

We specialize in private loans for real estate investors in Surprise and throughout Arizona. Whether you're flipping properties in Maricopa County's West Valley, building ground-up spec homes in one of the Phoenix metro's fastest-growing markets, securing bridge financing, or scaling a rental portfolio, we focus on your property's value and exit strategy. Backed by $4.5 billion in institutional capital across thousands of funded projects, we combine financial strength with execution speed.

shutterstock_2644509203

Fast, Reliable Capital for Your Next Surprise Deal

Surprise's position as one of Phoenix metro's fastest-growing cities creates relentless real estate investment demand. Our programs start at 8.99% with loan-to-cost ratios reaching 92.5% on qualified deals. Pre-approvals arrive within 24 hours, letting you submit offers with confidence. We structure financing around your specific strategy and timeline, not generic templates that ignore deal reality.

Fix & Flip Loans

Fix & Flip Loans

Properties throughout Surprise offer renovation opportunities for investors who understand the West Valley market's pace. Our fix-and-flip financing covers both acquisition and construction costs using after-repair-value underwriting, so you leverage future worth rather than current distressed condition. Choose 12-, 18-, or 24-month terms with interest-only payments for healthy cash flow during renovation. Draw processing completes within 24-48 hours after inspection, keeping contractors productive and projects on schedule.

Learn More
New Construction Loans

New Construction Loans

Ground-up development in Surprise requires capital that understands Arizona construction realities and the Phoenix metro's active spec-build environment. Our new construction loans fund single-family spec homes and multifamily residential projects with draw schedules tied to actual milestones, not arbitrary dates. Starting at 8.99% with terms customized to your build timeline, we bring both funding and construction expertise from land acquisition through certificate of occupancy.

Learn More
Bridge Loans

Bridge Loans

Timing gaps happen in Surprise investing. Maybe you need to close before permanent financing is ready, or you're waiting on another sale to fund your next acquisition. Our bridge loans run 6-12 months, providing interim capital when opportunities appear. Surprise investors use bridge financing to secure auction properties, grab off-market deals, and transition between investment phases without losing deals to faster competitors.

Learn More
DSCR Loans

DSCR Loans for Rental Properties

Scaling rental portfolios in Surprise shouldn't require extensive personal financial documentation. Our DSCR loans qualify on one metric: does the rent cover the mortgage? If cash flow works, we fund it. Available for short-term, mid-term, and long-term rentals throughout the Surprise area. Property income potential matters, not three-year-old tax returns.

Learn More


What Makes Unitas Different in Surprise

  1. Institutional Resources, Direct Access
    Backed by $4.5 billion in institutional capital, funding availability is never uncertain at closing. But we're not a bank drowning in committees and policies—we're a direct lender purpose-built for real estate investors. You get financial stability combined with decision-making speed and flexibility.

  2. Underwriting for Property Fundamentals
    Traditional lenders use rigid qualification boxes. If your Surprise deal doesn't fit their template perfectly, you're declined. We evaluate deals based on property fundamentals, local market conditions, and whether your exit strategy makes financial sense. We build loan structures around your specific project requirements.
  3. We Fund What We Approve
    We own our capital. We're not brokers marketing your deal to multiple lenders, and we don't sell loans to secondary markets that might disappear when volatility hits. When we issue an approval, that approval is final. No surprise committee reviews, no funding falling through three days before closing.

  4. Speed That Matches Market Reality
    Closing in 10 business days gets you into the property. Our draw requests process in 24-48 hours after inspection completion. Your Surprise renovation or construction project moves at the speed of actual work, not internal bureaucracy. Most projects require approximately 10 draws, and each one receives the same urgent processing as your initial funding.

shutterstock_2218681047 (1)

Get Pre-Approved in 24 Hours
Stop losing Surprise deals to investors with faster financing. We deliver real pre-approvals in 24 hours—not meaningless pre-qualifications, but actual approvals that give you credibility when making offers. 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 Surprise?

We finance business-purpose real estate throughout Surprise and Arizona: 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 Surprise 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 completion. Compare that to 30-45 days minimum for traditional banks, and you'll understand why serious Surprise investors choose hard money lending over conventional financing.

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

We offer loan-to-cost ratios up to 92.5% on qualified fix-and-flip projects in Surprise, 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. Rates start at 8.99%, and we customize terms to match your specific project timeline.

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

No. Our DSCR loans in Surprise 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 sufficient rent to cover debt service. You'll need business entity documentation and liquidity for down payment and reserves, but personal income verification is not required.

What areas of Surprise do you serve?

We provide private real estate loans throughout Surprise, Maricopa County, and the broader West Valley Phoenix metro. We lend in established and newly developing communities across the region. Whether your property is in Surprise proper, nearby El Mirage, Sun City West, Peoria, or Glendale, we have the local market knowledge and lending appetite to support your investment.

Ready to Fund Your Next Surprise Real Estate Investment?

Sometimes, markets move too fast for slow capital. While your competitors wait weeks for bank approvals, you could already be under contract with Unitas backing your offer. Our Surprise hard money lenders have funded 4,103 deals because we understand what investors need. Speed without sacrificing certainty. Flexibility without hidden surprises. Institutional backing without institutional bureaucracy. Tell us about your next deal and we'll show you exactly how we can help you close it.


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