Yuma, AZ's Trusted Hard Money Lender for Real Estate Investors

Winning deals in Yuma requires capital that moves at market speed. Traditional bank financing with multi-week approval processes leaves you on the sidelines while others close. Unitas funds deals in 10 business days, matching the pace of Yuma's real estate market. We're not here to tell you maybe. We're here to fund deals.

We specialize in private loans for real estate investors in Yuma and throughout Arizona. Whether you're flipping properties, building new construction, securing bridge financing, or scaling a rental portfolio, we focus on your property's value and exit strategy. $4.5 billion deployed across thousands of properties demonstrates our capital capacity and market expertise.

shutterstock_2644509203

Fast, Reliable Capital for Your Next Yuma Deal

Effective competition in Yuma demands smart capital. Rates beginning at 8.99%, LTC reaching 92.5% on qualifying deals, pre-approvals in 24 hours. We design financing for your project's actual needs and exit strategy.

Fix & Flip Loans

Fix & Flip Loans

Yuma's renovation opportunities require smart capital deployment. We underwrite fix-and-flip loans to ARV, funding both purchase and construction. Terms of 12, 18, or 24 months include interest-only payments. Our 24-to-48-hour draw processing keeps your timeline intact.

Learn More
New Construction Loans

New Construction Loans

Developing properties in Yuma requires construction capital from lenders who understand the process. Our new build financing funds residential projects with milestone-driven draw schedules. Rates from 8.99%, terms matching your timeline. Both money and expertise matter.

Learn More
Bridge Loans

Bridge Loans

Capital timing doesn't always align perfectly in Yuma. Our 12-month bridge loans solve interim financing needs—closing ahead of permanent loans or between property transactions. Investors deploy bridge capital for auctions, off-market opportunities, and transition periods.

Learn More
DSCR Loans

DSCR Loans for Rental Properties

Rental expansion throughout Yuma using asset-based underwriting. DSCR loans qualify on property income versus debt service. Applicable to short-term, mid-term, and long-term rental strategies. Cash flow determines approval, not W-2s or tax documentation.

Learn More


What Makes Unitas Different in Yuma

  1. Institutional Capital With Personal Attention
    Backed by $4.5 billion in institutional capital, funding availability is never uncertain at closing. But we're not a bank drowning in committees and policies—we're a direct lender purpose-built for real estate investors. You get financial stability combined with decision-making speed and flexibility.

  2. Customized Terms for Actual Deals
    Traditional lenders use rigid qualification boxes. If your Yuma deal doesn't fit their template perfectly, you're declined. We evaluate deals based on property fundamentals, local market conditions, and whether your exit strategy makes financial sense. We build loan structures around your specific project requirements.
  3. Our Money, Our Approval, Our Commitment
    We own our capital. We're not brokers marketing your deal to multiple lenders, and we don't sell loans to secondary markets that might disappear when volatility hits. When we issue an approval, that approval is final. No surprise committee reviews, no funding falling through three days before closing.

  4. Quick Closings, Quick Draws
    Closing in 10 business days gets you into the property. Our draw requests process in 24-48 hours after inspection completion. Your Yuma renovation or construction project moves at the speed of actual work, not internal bureaucracy. Most projects require approximately 10 draws, and each one receives the same urgent processing as your initial funding.

shutterstock_2218681047 (1)

Get Pre-Approved in 24 Hours
Stop losing Yuma deals to investors with faster financing. We deliver real pre-approvals in 24 hours—not meaningless pre-qualifications, but actual approvals that give you credibility when making offers. Our focus is on property value and deal structure, not endless personal documentation.

Frequently Asked Questions

What types of investment properties do you finance in Yuma?

We finance business-purpose real estate throughout Yuma and Arizona: single-family homes, multifamily properties, townhomes, and mixed-use residential buildings. We fund fix-and-flip projects, new construction, bridge loans, and DSCR rental property acquisitions. All loans must be made through business entities—we don't provide consumer mortgages or owner-occupied financing.

How quickly can you close on a Yuma investment property?

10 business days with complete documentation. We deliver pre-approvals in 24 hours, and final approvals typically occur within 3-5 business days depending on title clearance and property valuation completion. Compare that to 30-45 days minimum for traditional banks, and you'll understand why serious Yuma investors choose hard money lending over conventional financing.

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

We offer loan-to-cost ratios up to 92.5% on qualified fix-and-flip projects in Yuma, covering both purchase price and renovation budget. Actual LTC depends on property type, location, your experience level, and project scope. We underwrite based on after-repair value and your exit strategy. Rates start at 8.99%, and we customize terms to match your specific project timeline and investment plan.

Do you require personal income verification for DSCR loans in Yuma?

No. Our DSCR loans in Yuma qualify based on the rental property's income potential, not your personal W-2s, tax returns, or employment history. We evaluate whether the property generates sufficient rent to cover debt service. You'll need to provide business entity documentation and demonstrate liquidity for down payment and reserves, but we're not requesting personal income verification that delays everything.

What areas of Yuma do you serve?

We provide private real estate loans throughout Yuma, surrounding Arizona communities, and the entire metro area. We lend in both urban and suburban markets across the region. Whether your property is located in Yuma proper or nearby towns throughout Arizona, we have the local market knowledge and lending appetite to support your investment.

Ready to Fund Your Next Yuma Real Estate Investment?

Sometimes, markets move too fast for slow capital. While your competitors wait weeks for bank approvals, you could already be under contract with Unitas backing your offer. Our Yuma hard money lenders have funded 4,718 deals because we understand what investors need. Speed without sacrificing certainty. Flexibility without hidden surprises. Institutional backing without institutional bureaucracy. Tell us about your next deal and we’ll show you exactly how we can help you close it.


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