Worcester, MA’s Trusted Hard Money Lender for Real Estate Investors

Worcester's real estate market offers compelling value propositions for investors seeking opportunities beyond Boston's premium market. As Massachusetts' second-largest city, Worcester combines affordable property acquisition costs with strong rental demand driven by multiple colleges, growing healthcare employment, and improving urban infrastructure. Unitas Funding provides private loans designed for Worcester real estate investors capitalizing on its transformation from industrial legacy to modern economic hub.

We understand that successful investing requires more than capital. It demands partners who recognize market nuances, structure deals around your specific strategy, and deliver funding when opportunities emerge. With more than $5B in funded short-term and collateral-based loans, our hard money lenders serving Worcester bring the financial resources and lending expertise Worcester investors need. Whether you're renovating multi-families near Clark University, developing properties in Main South, or scaling a rental portfolio across Central Massachusetts, we provide financing solutions that support your growth objectives.

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Fast, Reliable Capital for Your Next Real Estate Deal

Worcester's improving fundamentals attract investors from across New England, creating competition for quality properties. Traditional bank financing timelines of 30-45 days eliminate your ability to compete effectively against cash buyers and well-capitalized investors. Our Worcester hard money lenders closes loans in 10 business days or less with same-day pre-approvals that demonstrate financial readiness. Our underwriting evaluates deal economics and property potential rather than following bureaucratic procedures, positioning you to negotiate from strength.

Fix & Flip Loans

Fix & Flip Loans

Worcester's diverse housing inventory presents exceptional renovation opportunities for investors who can identify value and manage projects efficiently. We deliver up to 92.5% loan-to-cost financing with rates starting at 8.99%, funding both property acquisition and construction budgets. Our underwriting analyzes after repair value (ARV) through comparable sales research and market analysis, providing leverage that maximizes your return potential. From updating three-deckers in Vernon Hill to renovating single-families in West Side neighborhoods, our draw structure ensures capital availability as your project advances.

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New Construction Loans

New Construction Loans

Developing properties from the ground up requires lenders who understand construction sequencing, budget management, and market absorption dynamics. Unitas provides comprehensive new construction funding for residential developments throughout Worcester and Central Massachusetts. We align financing with your construction timeline through milestone-based funding tied to verified completion stages. Our 24-48 hour draw processing after inspection approval maintains contractor productivity and project momentum, critical factors in managing construction costs and timelines.

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Bridge Loans

Bridge Loans

Strategic timing often determines investment profitability. Our bridge loans deliver 6-12 month financing when you need to close transactions immediately, manage portfolio transitions, or stabilize properties while securing permanent financing. Worcester's strengthening market fundamentals create time-sensitive opportunities that reward decisive action. Unitas provides the rapid closings and funding certainty that traditional lenders cannot match, enabling you to capture opportunities before competitors.

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DSCR Loans

DSCR Loans for Rental Properties

Growing rental portfolios in Worcester's strong tenant market requires financing that evaluates properties on income generation rather than personal financial documentation. Our debt service coverage ratio (DSCR) loans qualify through rental income analysis, removing W-2 verification and personal tax return burdens. Whether you're targeting student housing near Worcester Polytechnic Institute, professional rentals downtown, or family housing in established neighborhoods, our asset-based underwriting accelerates qualification and portfolio expansion.

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What makes Unitas different?

  1. The Power of a Bank, The Speed of a Partner
    We deliver institutional financial strength without institutional inefficiency. Our $4.5 billion in capital backing provides funding security and reliability, while our direct lending structure ensures rapid decision-making and personalized attention. You communicate with experienced underwriters who possess deal approval authority, not junior staff following rigid protocols.

  2. More Ways to Say 'Yes' to Your Deal
    Worcester's varied property types and investment strategies don't conform to standardized lending criteria. Unitas evaluates your specific property characteristics, investment thesis, and market positioning rather than applying one-size-fits-all formulas. Our team combines construction knowledge, real estate expertise, and institutional lending experience to structure creative solutions when traditional lenders default to rejection.

  3. Certainty From a Direct Lender
    Unitas commitments guarantee funded transactions. As a direct lender controlling our capital, we don't depend on secondary market sales or external funding sources. When we approve private loans for Worcester real estate investors, that approval is final. No unexpected complications, no funding disruptions, no closing uncertainty. This reliability proves especially valuable during market volatility when conduit lenders experience capital constraints.

  4. Faster Funding, Faster Draws
    Efficient capital deployment continues throughout your project lifecycle. We close initial funding in 10 days or less, then maintain that efficiency through construction with 24-48 hour draw approvals after inspection verification. No arbitrary draw restrictions, no bureaucratic obstacles. You control project timing and maintain contractor productivity from commencement through completion.

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Get Pre-Approved in 24 Hours!

Launch your next investment with confidence. Submit your project information below and receive a preliminary term sheet within 24 hours. Our Central Massachusetts lending team will analyze your deal and provide transparent rates and terms. Whether you're executing your first investment or expanding an established portfolio, we'll structure financing that aligns with your strategy and timeline.

Frequently Asked Questions

What types of investment properties do you finance?

Unitas finances residential investment properties including single-families, multi-families, triple-deckers, mixed-use buildings, and new construction developments. We provide fix-and-flip financing, bridge loans, ground-up construction funding, and DSCR rental property loans throughout Worcester, Shrewsbury, Auburn, and Central Massachusetts communities. All financing is business-purpose only through business entities such as LLCs or corporations.

How quickly can you close on a Worcester investment property?

Unitas closes on hard money loans in Worcester in as little as 10 business days with complete documentation. Most transactions receive same-day pre-approval and advance to final approval within 3-5 business days, subject to title examination and property valuation completion. Our direct lending model and experienced underwriting eliminate traditional bank processing delays.

What are your loan-to-cost ratios for Worcester fix-and-flip projects?

We provide up to 92.5% loan-to-cost financing on qualified fix-and-flip projects with interest rates starting at 8.99%. Specific LTC ratios and rates vary based on property location, borrower experience, project scope, and market conditions. Our underwriting focuses on after repair value (ARV) and documented exit strategy rather than rigid formulas.

Do you require personal income verification for DSCR loans?

No. DSCR loans qualify through property income analysis rather than personal income documentation. We evaluate the debt service coverage ratio by comparing projected rental income against proposed loan payments. This asset-based underwriting removes the need for W-2s, pay stubs, or personal tax returns, streamlining qualification and focusing on property performance.

What areas of Worcester do you serve?

Unitas provides hard money lending throughout Worcester and Central Massachusetts. We finance investment properties in all Worcester neighborhoods including Main South, Vernon Hill, West Side, Shrewsbury Street district, and surrounding areas. Our coverage extends throughout Worcester County including Shrewsbury, Auburn, Holden, and neighboring Massachusetts markets.

Ready to Fund Your Next Worcester Real Estate Investment?

Fast-paced real estate markets reward investors who combine market insight with execution capability. Unitas Funding provides the capital, expertise, and reliability you need to compete effectively and build wealth through strategic real estate investment. Our institutional backing, regional market knowledge, and investor-focused approach deliver more than financing. We deliver strategic partnership committed to your success. Contact our Worcester hard money lenders today to discuss your project.


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