Utah’s Trusted Hard Money Lender for Real Estate Investors

Real estate opportunities don’t wait for slow approvals. Investors need capital that keeps pace. Unitas Funding provides private capital solutions for builders, landlords, and real estate investors across Utah, including Salt Lake City, Provo, Orem, Ogden, and Lehi. 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 Utah and nearby markets like Provo, we structure deals so investors can execute quickly and protect momentum.

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Fast, Reliable Capital

Direct-lender execution reduces closing friction when timelines are tight and sellers expect certainty. Backed by institutional capital and direct-lender agility, Unitas Funding supports investors throughout Utah—from Orem to Lehi—with transparent terms, hands-on guidance, and closing certainty.

Fix & Flip Loans

Fix & Flip Loans

Investors use our fix & flip loans in Utah for value-add rehabs, light-to-heavy renovations, and turnaround projects across markets like Salt Lake City, Provo, and Orem. 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 Utah support infill builds, small multifamily, and redevelopment projects in areas such as Provo and Ogden. 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 Utah bridge loans provide interim financing for auction and off-market acquisitions, payoff timelines, and stabilization periods in markets like Salt Lake City and Lehi. 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 Utah are designed for investors focused on rental portfolio scaling across long-term and furnished rental strategies across Orem, Ogden, 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 delivers well-capitalized funding with hands-on, investor-first execution. Serving investors across Utah and nearby markets like Salt Lake City and Provo. We make fast decisions, communicate clearly, and keep closings predictable because we deploy our own capital.

  2. More Ways to Say “Yes” to Your Deal.
    Many lenders follow narrow boxes. Unitas reviews property fundamentals, risk controls, and exit strategy to find a path forward. In Utah, that flexibility helps investors move in submarkets such as Orem and Ogden. 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.
    Unitas funds with its own capital, not third-party syndication that can change at the last minute. That matters when you’re executing deals across Salt Lake City, Provo, Orem, Ogden, and Lehi. 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 Utah—including Provo and Lehi—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 Utah Real Estate Investment?
    Utah doesn’t slow down—and neither should your capital. Whether you’re renovating in Salt Lake City, building in Ogden, or scaling rentals across Orem and Lehi, 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 Utah. Close in as little as 10 days with Unitas Funding.

Frequently Asked Questions

Who qualifies for hard money loans in Utah?

Value-add operators across Utah—including investors active in Salt Lake City and Provo—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 Utah real estate investment loan?

At minimum, share the address, purchase terms or payoff, rehab budget, and timeline. For properties in Utah and nearby markets like Orem, 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 Utah?

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

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

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

Is income verification required for investment property loans in Utah?

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

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

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

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

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

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

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 Utah and nearby markets such as Salt Lake City.

Do you provide funding across Utah?

Yes. Funding is available throughout Utah, including Salt Lake City, Provo, Orem, Ogden, and Lehi, 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 Utah 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 Utah and markets like Provo.

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!