Wichita Falls’s Trusted Hard Money Lender for Real Estate Investors

Ready to close faster and grow with confidence? We pair institutional backing with decades of construction lending to support builders, landlords, and real estate investors. Expect quick approvals, draws, and flexible terms on our Wichita Falls hard money loans so your real estate investments stay on schedule.

As trusted private money lenders, we deliver fix and flip financing, bridge loans, and new construction funding with the speed, flexibility, and reliability that growth demands. From first-time operators to seasoned real estate investors, we tailor structures, manage draws closely, and communicate clearly to keep projects moving and opportunities within reach.

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Fast, Reliable Capital for Your Next Real Estate Deal

Backed by institutional capital yet built for speed, Unitas operates as a private money lender in Wichita Falls and a direct hard money lender, delivering nimble loan programs for every stage of investment. We fund fix and flip deals, new construction, rental property loans, and short-term bridge financing with streamlined underwriting and fast closings. Our flexible terms help real estate investors scale strategically, and our local insight keeps projects moving so portfolios grow with confidence.

Fix & Flip Loans

Fix & Flip Loans

Investors ready to move fast choose our fix & flip loans in Wichita Falls for streamlined short term financing and a flexible hard money rehab loan structure. We move quickly to deliver fix and flip funding that covers acquisition and renovations, perfect for the BRRRR method. Because we underwrite to the After Repair Value (ARV), you gain strong leverage and better cash flow. Count on our local insight, responsive terms, and clear guidance from offer to exit.

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New Construction Loans

New Construction Loans

Let’s talk about flexible financing that moves with your build: our private construction loans support ground up construction for single family spec homes, multi unit residential communities, and mixed use developments. As a Wichita Falls private construction lender, we stay close from lot acquisition through horizontal improvements, aligning funds to your milestones with a clear staged draw process. We streamline approvals, communicate quickly, and keep cash flowing, so you can focus on quality, timelines, and a strong exit.

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Bridge Loans

Bridge Loans

Move fast with our hard money bridge loans, built for interim financing when timing is everything. We deliver gap financing more quickly than conventional lenders, helping you win an investment property, refinance short-term needs, or stabilize a deal before securing permanent financing. Our real estate bridge loans in Wichita Falls provide flexible terms and responsive underwriting so you can close with confidence and keep momentum. Count on us to fund decisively and align capital to your strategy.

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DSCR Loans

DSCR Loans for Rental Properties

Wichita Falls DSCR loans make scaling a portfolio straightforward, using the property’s income and the Debt Service Coverage Ratio to qualify, with no income verification required. These flexible rental loans function as asset-based loans and deliver landlord financing built around cash flow, not pay stubs. Use streamlined investment property mortgages to acquire long-term rentals, STRs, or MTRs, expand holdings confidently, and keep financing aligned with real-world performance across diverse markets and property types.

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What makes Unitas different?

  1. The Power of a Bank, The Speed of a Partner.
    Rely on Unitas for institutional strength and entrepreneurial agility; as a hard money lender near Wichita Falls, we evaluate complex real estate deals fast, provide clear terms, and deliver fast funding so you can act decisively with transparent, responsive underwriting.

  2. More Ways to Say ‘Yes’ to Your Deal.
    With an expanded credit box and creative underwriting, we finance projects others decline. In Wichita Falls, our hard money lending team moves quickly, saying yes to unique investments and time-sensitive deals when traditional lenders stall—flexible, experienced, and dependable.

  3. Certainty From a Direct Lender.
    Count on us as your direct hard money lender in Wichita Falls; we deploy our own capital, value relationships, and move quickly. With streamlined direct lending and fast loan approval, you can secure funding and close when opportunity arises.

  4. Faster Funding, Faster Draws.
    Timing matters, so we streamline deals with our Wichita Falls loan process, delivering fast funding, closings in as little as 10 days, and prompt construction draw releases; we stay responsive so projects remain on schedule, profitable, and low-stress.

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

FAQs

Who qualifies for a hard money loan from Unitas Funding?

Serious operators choose our hard money investor loans when they want a steady, long-term ally, not a bargain bin rate. We move with fast funding from offer through term sheet and keep timelines tight through a transparent draw process. If you buy and build through an LLC or corporation and prioritize speed with certainty for your real estate investments, we fit. Our private money lending blends local judgment with nimble underwriting, including construction loans. Rely on our Wichita Falls hard money lending experience to accelerate projects and keep capital dependable from start to finish.

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

We make your path to a real estate investment loan clear: submit a loan application through a business entity—LLC or corporation only, not individuals—for business-use projects. For investment property financing in Wichita Falls, we require documentation such as entity formation records, operating agreement, EIN confirmation, purchase contract, rent rolls, recent bank statements, and property insurance estimates.

- 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?

Qualifying investors count on our business purpose loans, and we make decisions with clarity and speed: for any hard money loan, we calculate the credit score using the median FICO score from a tri-merge report—or the lower of two when only two scores appear. Applicants with representative scores under 600 don’t qualify for our investment property loans, helping us prioritize reliable capital and competitive terms on private loans in Wichita Falls tailored to each borrower.

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

We offer first time real estate investor loans for new and seasoned borrowers, guiding you from application to close. Whether it’s your first fix and flip in Wichita Falls or a portfolio expansion using our rental property loans, we tailor loan programs to your strategy. With responsive service, accessible capital, and streamlined underwriting, we help you act fast. Count on our fix and flip funding to keep projects on schedule and position your investment for strong, repeatable results.

Is income verification required for investment property loans from Unitas?

No personal income verification is required for our investment property loans, and our private real estate loans in Wichita Falls leverage asset based lending to qualify borrowers by down payment and verified liquidity. We underwrite primarily to DSCR, emphasizing property cash flow, making these true DSCR loans. This streamlined focus lets real estate investors qualify on asset performance and scale portfolios confidently, with responsive guidance from a team that understands local markets.

How long does the approval process take?

We help investors move fast with fast loan approval, often issuing pre-approvals and term sheets the same day. Final approval depends on clear title and property valuation, and our hybrid valuations typically take 3–5 business days. Our hard money loans in Wichita Falls can close in as little as 10 days, giving you a reliable path to secure financing for competitive real estate opportunities. Count on us to streamline the process so you can act decisively and scale.

Why choose Unitas over other hard money lenders in Wichita Falls?

Backed by deep construction-and-lending know-how, we understand investor hurdles better than most hard money lenders, and we move fast. We close private money loans in Wichita Falls in as little as 10 days, tailor terms to your project, and prioritize lasting partnerships. With rates from 9.25% and real estate loans up to 92.5% LTC, you get institutional capital paired with high-leverage loans and the attentive guidance of a seasoned private money lender.

How is a hard money lender different from a bank?

As a hard money lender, we move faster and tailor terms more flexibly than banks, focusing on investment real estate loans that help investors win competitive deals. Expect fast closing loans in days and clear, streamlined steps from underwriting to funding. Our fix and flip options, bridge loans, and DSCR loans are built for real-world timelines, while our new construction lending in Wichita Falls supports ground-up projects with efficient draws, local insight, and dependable execution.

Do you provide funding in my state or city?

As a nationwide direct lender, we fund fix and flip loans, DSCR loans, new construction, and bridge loans in Wichita Falls and throughout Texas, while serving most states nationwide. We don’t lend in Alaska, Arizona, Minnesota, South Dakota, or North Dakota, and we avoid direct lending in Baltimore, Chicago, and Detroit. In Nevada, Washington, Oregon, and Utah, we operate exclusively through licensed brokers. Everywhere else, we provide business purpose loans backed by reliable private capital solutions, partnering with investors to move fast and close confidently.

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

Ready to move on a real estate investment loan? Start with our online loan calculator, then an Account Executive will promptly connect to discuss your project, qualifications, and timeline for real estate investor financing. We keep it personal and transparent—from pre approval through valuation, title, and draws—so real estate investors in Wichita Falls navigate a clear, efficient path to closing. With local insight and responsive support, we help real estate investors make confident decisions and close on schedule.

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.