Texas’s Trusted Hard Money Lender for Real Estate Investors

Close deals faster and grow your portfolio with confidence. Unitas Funding delivers private capital solutions to Texas builders, landlords, and real estate investors backed by deep lending expertise. Expect quick approvals, streamlined draw schedules, and customizable terms that keep projects funded and moving forward.

Whether you need fix & flip financing, bridge loans, DSCR loans for rentals, or new construction funding, we move with speed, flexibility, and reliability. As experienced private money lenders serving Texas, we structure deals around timelines and exits so you can execute quickly and maintain momentum.

shutterstock_2644509203

Fast, Reliable Capital

With institutional backing and direct-lender agility, Unitas serves as a go-to private money lender across Texas. Our loan programs support every stage of investing—from fix & flip and new construction to rental DSCR and bridge financing. With fast funding, transparent terms, and hands-on guidance, you can move quickly, mitigate risk, and scale your portfolio.

Fix & Flip Loans

Fix & Flip Loans

Short-term fix & flip financing in Texas designed for speed and execution. We underwrite with a focus on After-Repair Value (ARV) to maximize leverage and ROI. From acquisition through renovation draws, we support BRRRR-style strategies with responsive service and clear milestones.

Learn More
New Construction Loans

New Construction Loans

Private construction loans for single-family, multi-unit, and mixed-use projects across Texas. Our staged draw process keeps funds releasing on time—from lot acquisition and site work through vertical build-out—backed by local insight and responsive underwriting.

Learn More
Bridge Loans

Bridge Loans

Interim financing when timing matters. Use our Texas bridge loans to acquire properties, stabilize assets, or move quickly while arranging permanent financing. Close confidently with a lender that understands time-sensitive transactions.

Learn More
DSCR Loans

DSCR Loans for Rental Properties

Asset-based rental loans centered on property cash flow—no income verification required. Our Texas DSCR loans help landlords scale portfolios across long-term, mid-term, and short-term rentals with flexible terms and efficient closings.

Learn More

Why Choose Unitas Funding

  1. The Power of a Bank, The Speed of a Partner
    We combine institutional reliability with entrepreneurial flexibility—delivering tailored financing and fast funding for Texas investors without sacrificing diligence.

  2. More Ways to Say “Yes” to Your Deal
    With a flexible credit box and creative underwriting, we finance projects others overlook—helping Texas borrowers move quickly with practical terms and efficient closings.

  3. Certainty from a Direct Lender
    We deploy our own capital for rapid decisions and transparent approvals—no brokers, fewer delays, more clarity.

  4. Faster Funding, Faster Draws
    A streamlined process accelerates approvals and construction draws so your Texas projects stay on schedule.

shutterstock_2218681047 (1)

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

Frequently Asked Questions

Who qualifies for a hard money loan from Unitas Funding?

Typical borrowers are investors and builders operating through a business entity who need flexible, deal‑driven capital. Strong fits include acquisitions, rehabs, and new builds with clear exit strategies and practical timelines in Atlanta.

What documents are required to apply?

Provide the property address, purchase terms or payoff details, a budget and scope, and your exit plan. A business entity and proof of experience or team support help streamline underwriting.

What credit score do I need?

Approvals weigh asset strength, ARV, and cash flow more than a single score. Many borrowers qualify in the mid‑600s with solid equity and a well‑defined project plan.

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

Yes. First‑time borrowers can qualify with conservative leverage, a realistic budget, and a clear plan. Partnering with experienced contractors or managers is helpful for early projects.

Is income verification required for investment property loans?

Loans are primarily asset‑based. Rental loans focus on cash flow (DSCR), while fix‑and‑flip and construction emphasize ARV and cost‑to‑complete; traditional pay stubs are not required.

How long does approval take?

Pre‑approvals and term sheets are often issued within 24 hours. Final approval typically follows title and valuation in about 3–5 business days, with many closings completed in roughly 10 days.

Why choose Unitas over other hard money lenders in Texas?

Direct capital, responsive underwriting, and predictable draws help close on time. Local familiarity with high‑velocity flips and small multifamily rehabs in Intown, Westside, and South Atlanta and area‑specific timelines supports smoother execution.

How is a hard money lender different from a bank?

Private lenders underwrite based on the property and business plan rather than rigid checklists. This allows faster decisions, flexible draws, and financing for value‑add or transitional assets.

Do you provide funding in my city?

Yes. Ground‑up loans can fund lot purchase, site work, and vertical build‑out, with milestone‑based draws that align to your schedule—ideal for urban infill SFR/townhomes in BeltLine‑adjacent neighborhoods and North Metro.

How do I apply for a real estate investment loan?

Submit your project details online and indicate your timeline. Expect quick feedback, followed by valuation and title coordination to move efficiently toward closing.

Ready to Fund Your Next Texas Real Estate Investment?

Texas'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 Texas 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!


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