Trenton’s Trusted Hard Money Lender for Real Estate Investors

Ready to close faster and grow with confidence? We provide builders, landlords, and real estate investors across Florida with capital backed by institutional funding and decades of construction lending experience. Expect quick approvals, efficient draws, and flexible terms on our Trenton hard money loans so your real estate investments stay on track.

Whether you seek fix and flip financing, bridge loans, or new construction funding, our private money lenders deliver speed, flexibility, and clear underwriting to keep projects moving. As local partners, we move quickly from term sheet to close, empowering real estate investors to scale.

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Fast, Reliable Capital for Your Next Real Estate Deal

We combine institutional stability with the speed and flexibility of a hard money lender, acting as a trusted private money lender in Trenton for driven real estate investors. Our competitive loan programs cover fix and flip, new construction, rental property loans, and short-term bridge financing, and we tailor them to each project’s timeline and budget. Count on fast decisions, clear terms, and funding that helps you scale confidently while we support deals from first offer to final exit.

Fix & Flip Loans

Fix & Flip Loans

Ready to move fast on your next project? Our fix & flip loans in Trenton deliver the short term financing you need, paired with a hard money rehab loan structure that keeps renovations on schedule. We tailor fix and flip funding for investors using the BRRRR method, covering purchase and improvements while staying relationship-focused. Because we lend against the After Repair Value (ARV), you gain strong leverage, streamlined draws, and clear timelines to boost returns on value-add deals.

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New Construction Loans

New Construction Loans

Build with confidence using our private construction loans tailored for ground up construction across single family spec homes, multi unit residential, and mixed use developments. As a trusted private construction lender in Trenton, we streamline funding with a staged draw process tied to verified milestones, so you can move fast on lot acquisition, complete horizontal improvements, and keep crews working. We combine responsive underwriting with clear communication to help you finish on time and protect margins.

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Bridge Loans

Bridge Loans

We deliver hard money bridge loans that provide decisive interim financing, using flexible gap financing to close faster than conventional lenders when you’re acquiring an investment property or stabilizing a deal ahead of permanent financing. Count on our real estate bridge loans in Trenton for speed, clear terms, and a smooth process that keeps momentum. We underwrite quickly, fund reliably, and align timelines to your exit strategy so opportunities don’t slip while you line up long-term capital.

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DSCR Loans

DSCR Loans for Rental Properties

Trenton DSCR loans empower investors to scale portfolios with speed, leveraging the Debt Service Coverage Ratio so properties qualify on cash flow. These no income verification rental loans streamline approvals and keep momentum high, while asset based loans deliver flexible terms for fast-moving acquisitions. Choose proven landlord financing to capture both long-term rentals and STR/MTR opportunities, and use investment property mortgages tailored to growth, maximizing leverage, minimizing friction, and turning consistent rental income into durable, compounding returns.

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What makes Unitas different?

  1. The Power of a Bank, The Speed of a Partner.
    Backed by institutional reliability and entrepreneurial flexibility, we finance complex real estate deals with clarity and speed. As the trusted Trenton hard money lender, we tailor approvals and deliver fast funding, structuring solutions that close efficiently while keeping investors confident.

  2. More Ways to Say ‘Yes’ to Your Deal.
    Backed by an expanded credit box and creative underwriting, Unitas moves fast to fund investments and time-sensitive opportunities; our Trenton hard money lending team finds ways to say yes and finance projects others overlook, while managing risk with processes.

  3. Certainty from a Direct Lender.
    We deploy our capital to move fast from application to loan approval, then, as a direct hard money lender in Trenton, we help you secure funding quickly; our direct lending approach delivers clarity, reliability, and confident closings without surprises.

  4. Faster Funding, Faster Draws.
    We move quickly with a Trenton loan process built for speed, delivering fast funding, prompt construction draw releases, and smooth closings, so your projects stay on schedule and profitable while we keep communication clear, responsive, and confidently on your side.


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Get Pre-Approved in 24 Hours
Apply today and secure funding for your next investment property in Trenton.

FAQ

Who qualifies for a hard money loan from Unitas Funding?

Ideal borrowers for our hard money investor loans value a long-term private money lending relationship over bargain rates, because certainty of capital wins deals. We deliver fast funding at the offer stage, after the term sheet, and through each milestone of the draw process, so projects stay on schedule. Operate via an LLC or corporation for your real estate investments? You’re a strong fit. Rely on our hard money lending in Trenton and beyond, with construction loans guided by clear budgets and local insight. We underwrite fast, close reliably, and stay engaged through completion.

What is required to apply for a Unitas real estate investment loan?

Start your real estate investment loan with a loan application submitted through a business entity, LLC or corporation only, never individuals, used strictly for investment or business purposes. For investment property financing in Trenton, we typically request entity formation papers, purchase contract, rehab scope and budget, bank statements, tax returns, identification, insurance, and rent roll, enabling faster underwriting.

- Background Check
- Bank Statements
- Certificate of Good Standing
- Credit Report
- EIN Letter
- Government-issued ID
- Purchase and Sale Agreement

What credit score do I need for a hard money loan from Unitas?

Qualified investors tap our business purpose loans with confidence as we evaluate experience and a strong credit history. For any hard money loan, we determine the applicable credit score using the median FICO score from a tri-merge report (or the lower of two). Representative scores below 600 don’t qualify for investment property loans, protecting portfolio performance. In turn, we deliver fast, competitive terms on private loans in Trenton tailored to each borrower’s goals and financial profile.

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

Ready to move with confidence? We offer first time real estate investor loans, whether you’re tackling your first fix and flip in Trenton or expanding with our rental property loans. With flexible loan programs, accessible capital, and clear guidance, we streamline approvals so you can act fast. Count on targeted fix and flip funding and attentive support to acquire, renovate, and stabilize properties while building long-term cash flow with a trusted lending partner.

Is income verification required for investment property loans from Unitas?

You can move forward with confidence because we don’t require personal income verification for our investment property loans, and our private real estate loans in Trenton rely on asset based lending that evaluates down payment and verified liquidity. We underwrite using DSCR loans methodology, centering the property’s cash flow instead of wages so approvals reflect performance. This practical framework helps real estate investors qualify faster, preserve flexibility, and strategically scale portfolios with financing that aligns with their goals.

 

How long does the approval process take?

We deliver fast loan approval for investors who need speed, issuing same-day pre-approvals and term sheets on hard money loans in Trenton and beyond. Final approval hinges on clear title and a streamlined property valuation, with our hybrid reviews typically wrapping in 3–5 business days. With efficient underwriting, we can close in as little as 10 days, helping you secure financing for competitive opportunities while we provide transparent terms and reliable execution.

 

Why choose Unitas over other hard money lenders in Trenton?

Backed by deep construction and lending expertise, we understand the challenges investors face better than most hard money lenders and move fast. We close private money loans in Trenton in as little as 10 days, tailor terms to your project, and prioritize lasting relationships. With rates from 9.25% and real estate loans plus high leverage loans up to 92.5% LTC, you access institutional capital with the attentive service of a seasoned private money lender.

 

How is a hard money lender different from a bank?

When you compare a bank to a hard money lender, speed and flexibility win deals, and that’s where we deliver. We specialize in investment real estate loans with fast closing loans in days, tailored for creative strategies like fix and flip, bridge loans, and DSCR loans. Our transparent, streamlined process keeps you moving from term sheet to funding, making new construction lending in Trenton and beyond more efficient, and giving investors a reliable partner focused on outcomes.

 

Do you provide funding in my state or city?

Partner with a nationwide direct lender: we fund fix and flip loans, DSCR loans, new construction, and offer bridge loans in Trenton and throughout New Jersey, with coverage across most states. We provide business purpose loans backed by reliable private capital solutions for investors needing speed, clarity, and consistent execution.

 

How do I apply for a real estate investment loan from Unitas?

When you apply for a real estate investment loan, we keep the process personal and efficient, starting with our online loan calculator to frame budgets and timelines. Soon after, an Account Executive connects to discuss your project, qualifications, and options for real estate investor financing, then maps clear next steps. From pre approval through valuation, title, and draws, we streamline each milestone so real estate investors in Trenton move from offer to confident closing with speed, transparency, and support.

 

Fast, Reliable Capital – No Red Tape

Get the certainty of a direct lender and close in as little as 10 days.

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