Winston-Salem, NC's Trusted Hard Money Lender for Real Estate Investors

Winston-Salem's reinvention from tobacco and textile hub to biotech and healthcare center — anchored by the Innovation Quarter and Wake Forest Baptist Health — has driven renewed demand for renovated housing in West End and Ardmore. Investors who can move quickly on a Washington Park value-add deal are capturing appreciation ahead of the broader market.

Unitas Funding provides private real estate loans for investors throughout Winston-Salem and Forsyth County — fix-and-flip, new construction, bridge, and DSCR rental financing up to $4.5M. With $4.5 billion funded nationally, we bring the speed Winston-Salem investors need to compete.

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Fast, Reliable Capital for Your Next Winston-Salem Deal

Winston-Salem's growing biotech and healthcare employment base, combined with still-affordable entry prices, supports strong margins for investors who can close fast. Unitas offers rates from 8.99%, up to 92.5% loan-to-cost, and pre-approval in 24 hours across Forsyth County.

Fix & Flip Loans

Fix & Flip Loans

West End and Ardmore's early-20th-century housing stock rewards investors who restore period character while modernizing kitchens and systems for today's buyers. Unitas funds acquisition and rehab together so Winston-Salem flippers can close and start work immediately.

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New Construction Loans

New Construction Loans

Infill development near the Downtown Arts District and Washington Park continues as Winston-Salem's biotech growth pulls in new residents. Our construction loans fund the full build cycle with 24-48 hour draws to keep North Carolina crews on schedule.

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Bridge Loans

Bridge Loans

Need to close on a Buena Vista acquisition before your permanent financing is finalized? Unitas bridge loans give Winston-Salem investors the short-term capital to secure deals without losing momentum.

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DSCR Loans

DSCR Loans for Rental Properties

Winston-Salem's expanding healthcare and biotech workforce supports steady rental demand, making DSCR loans an effective tool for investors building portfolios in Ardmore or West End. We qualify the property's cash flow, not personal tax returns.

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What Makes Unitas Different in Winston-Salem

  1. Institutional Resources, Direct Access
    Backed by $4.5 billion in institutional capital, Unitas never leaves a Winston-Salem closing waiting on funds — while operating as a direct lender that gives real answers in hours.

  2. Local Winston-Salem Market Expertise
    Our team understands Forsyth County's transformation, from West End's historic housing to Innovation Quarter-adjacent redevelopment, and prices deals accordingly.
  3. Speed That Protects Your Margin
    24-48 hour draw turnaround keeps Winston-Salem rehab and construction projects moving through North Carolina's favorable build season.

  4. A Track Record Built in Winston-Salem
    We've funded deals across Ardmore, Washington Park, and the Downtown Arts District, building the track record local investors and agents trust.

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Get Pre-Approved in 24 Hours
Ready to move on your next Winston-Salem deal? Submit your scenario and get a same-day term sheet from a direct lender — no committees, no runaround.

Frequently Asked Questions

How fast can Unitas close a hard money loan in Winston-Salem?

Most Winston-Salem transactions close within 10 business days of a completed application, with our team coordinating directly with Forsyth County title companies.

What loan-to-cost is available for Winston-Salem fix-and-flips?

Qualified investors can access up to 92.5% loan-to-cost, covering acquisition and renovation budget for West End and Ardmore projects.

Does Unitas finance new construction in Winston-Salem?

Yes, we fund ground-up and infill construction throughout Forsyth County, including projects near the Innovation Quarter and Washington Park.

How does DSCR financing work for Winston-Salem rentals?

DSCR loans qualify based on the property's rental income relative to debt service, not personal income, suiting the city's growing healthcare-driven rental demand.

What parts of the Piedmont Triad does Unitas serve?

We fund deals throughout Forsyth County and the greater Piedmont Triad, including Greensboro, High Point, and Kernersville.

Ready to Fund Your Next Winston-Salem Real Estate Investment?

Unitas Funding provides the fast, flexible private capital Winston-Salem investors need to compete in a market being reshaped by biotech and healthcare growth. From West End restorations to Innovation Quarter-adjacent construction, we fund projects across Forsyth County. Contact us today to discuss your Winston-Salem investment property financing.

Unitas Funding has funded 44+ deals for investors in and around Winston-Salem, NC.


Business-purpose loans for investment properties only. Not a commitment to lend. All loans subject to credit approval and underwriting. Rates, terms, and loan-to-cost vary based on borrower qualifications, property, and market conditions. Loan product availability may be limited in certain states.