Tennessee’s Trusted Hard Money Lender for Real Estate Investors

In a competitive market, timing is everything—and traditional bank timelines can cost you the deal. Unitas Funding provides private capital solutions for builders, landlords, and real estate investors across Tennessee, including Nashville, Memphis, Knoxville, Chattanooga, Franklin, and Murfreesboro. Expect quick approvals, streamlined draw schedules, and terms built around timelines and exits.Whether you need fix & flip financing, bridge loans, DSCR loans for rentals, or new construction funding, we move with speed and reliability. As experienced private money lenders serving Tennessee and nearby markets like Memphis, we structure deals so investors can execute quickly and protect momentum.

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Fast, Reliable Capital

Streamlined underwriting helps investors compete in fast-moving submarkets where speed wins offers. Backed by institutional capital and direct-lender agility, Unitas Funding supports investors throughout Tennessee—from Knoxville to Murfreesboro—with transparent terms, hands-on guidance, and closing certainty.

Fix & Flip Loans

Fix & Flip Loans

Investors use our fix & flip loans in Tennessee for acquisition-plus-rehab financing for cosmetic updates and full-scope renovations across markets like Nashville, Memphis, and Knoxville. We underwrite with a focus on After-Repair Value (ARV), so you can maximize leverage for acquisition and renovation while keeping execution disciplined.

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New Construction Loans

New Construction Loans

Our private construction loans in Tennessee support ground-up residential construction and targeted redevelopment in areas such as Memphis and Chattanooga. With a staged draw process tied to clear inspections and milestones, capital releases stay aligned with progress from site work through vertical build-out.

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Bridge Loans

Bridge Loans

When timing matters, our Tennessee bridge loans provide interim financing for time-sensitive closings, refinance gaps, and transitional ownership periods in markets like Nashville and Murfreesboro. Use bridge capital to close quickly, stabilize assets, or transition to permanent financing without losing the deal to slower lenders.

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DSCR Loans

DSCR Loans for Rental Properties

Our DSCR loans in Tennessee are designed for investors focused on cash-flow based rental acquisitions and refinance strategies across Knoxville, Chattanooga, and surrounding communities. These asset-based rental loans qualify based on property income—helping landlords scale without traditional income verification bottlenecks.

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What makes Unitas different?

  1. The Power of a Bank, The Speed of a Partner.
    Unitas Funding combines institutional capital strength with entrepreneurial responsiveness. Serving investors across Tennessee and nearby markets like Nashville and Memphis. Our direct lending model eliminates the bureaucratic delays common with traditional banks, helping investors close on schedule.

  2. More Ways to Say “Yes” to Your Deal.
    Traditional lenders rely on rigid formulas. Unitas evaluates each deal on its individual merits. In Tennessee, that flexibility helps investors move in submarkets such as Knoxville and Chattanooga. That flexibility helps investors secure capital for deals that don’t fit standard checklists but make sense on fundamentals.

  3. Certainty from a Direct Lender.
    Direct lending means fewer surprises: we control underwriting and funding through closing. That matters when you’re executing deals across Nashville, Memphis, Knoxville, Chattanooga, Franklin, and Murfreesboro. That certainty matters when you’re competing for properties, managing contractors, and coordinating closings.

  4. Faster Funding, Faster Draws.
    Speed matters beyond closing. Unitas processes draw requests quickly after inspection completion to keep projects moving. Investors across Tennessee—including Memphis and Murfreesboro—benefit from a process built for momentum. Clear milestones and quick releases support consistent progress throughout the project lifecycle.

  5. Ready to Fund Your Next Tennessee Real Estate Investment?
    Tennessee doesn’t slow down—and neither should your capital. Whether you’re renovating in Nashville, building in Chattanooga, or scaling rentals across Knoxville and Murfreesboro, Unitas Funding delivers the leverage and certainty needed to close on schedule.

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Get Pre-Approved in 24 Hours!
Apply today and secure funding for your next investment property in Tennessee. Close in as little as 10 days with Unitas Funding.

Frequently Asked Questions

Who qualifies for hard money loans in Tennessee?

Value-add operators across Tennessee—including investors active in Nashville and Memphis—are typically a strong fit when speed and certainty matter. A defined scope, realistic budget, and clear exit plan help approvals move quickly.

What documents are required to apply for a Tennessee real estate investment loan?

At minimum, share the address, purchase terms or payoff, rehab budget, and timeline. For properties in Tennessee and nearby markets like Knoxville, adding photos, contractor bids, and a timeline can accelerate underwriting and reduce back-and-forth.

What credit score do I need for a hard money loan in Tennessee?

Credit is reviewed, but approvals are primarily asset-based and deal-driven. In Tennessee, collateral strength, leverage, and a feasible execution plan—especially for projects in Chattanooga—often matter more than a single score threshold.

Do you lend to first-time real estate investors in Tennessee?

Yes. First-time investors in Tennessee can qualify with conservative leverage and a credible plan, particularly when working in markets like Nashville. Using experienced contractors and presenting a detailed scope strengthens the file.

Is income verification required for investment property loans in Tennessee?

Many programs emphasize the property rather than pay stubs. DSCR loans in Tennessee rely on cash flow coverage, while rehab and construction financing focus on ARV, budget, and feasibility across markets such as Memphis and Knoxville.

How long does the hard money approval process take in Tennessee?

Initial feedback and term sheets can often be issued quickly once deal details are submitted. Final approval depends on valuation and title, with many Tennessee closings completed in roughly 10 days—even for time-sensitive opportunities in Murfreesboro.

Why choose Unitas Funding over other hard money lenders in Tennessee?

Direct-lender execution, transparent terms, and predictable draws reduce uncertainty during acquisition and construction. That reliability matters in Tennessee when you’re coordinating closings and contractors across areas like Knoxville and Chattanooga.

How is a hard money lender different from a bank in Tennessee?

Banks typically rely on rigid documentation and longer approval cycles. Hard money loans are underwritten to the asset and business plan, enabling faster decisions for value-add and transitional properties throughout Tennessee and nearby markets such as Nashville.

Do you provide funding across Tennessee?

Yes. Funding is available throughout Tennessee, including Nashville, Memphis, Knoxville, Chattanooga, Franklin, and Murfreesboro, for business-purpose investment properties. Eligibility depends on the asset type, leverage, and exit plan—not a specific city boundary.

How do I apply for a Tennessee hard money loan with Unitas Funding?

Submit the property address, purchase terms, budget and scope, and your target closing date. After review, we coordinate valuation and title steps to move efficiently toward funding for deals across Tennessee and markets like Memphis.

Ready to Fund Your Next Indiana Real Estate Investment?

Indiana's market doesn't slow down, and neither should your capital. At Unitas Funding, we deliver the institutional backing and direct lending speed that wins deals. Whether you're renovating properties, developing spec homes, or building a rental portfolio across the metro area, our hard money lenders provide Indiana real estate investors the leverage and certainty you need to close on schedule. Submit your application now, and let's turn your next opportunity into a funded project!