Fix & Flip$523,500
1465 Longfellow Ave
Bronx, NY
- LTV
- 90.0%
- Rate
- 9.75%
Nationwide private money lender
Private & hard money loans for real estate investors
Fast and easy loans for real estate investors during every stage of their journey. Bridge loans, fix and flips, rental properties, and ground-up new construction.
- Rates starting at
- 8.99%
- Up to LTV
- 90%
- Closings in as little as
- 7 days
- Minimum FICO
- 620
Why our clients choose us
A lender that thinks like an investor
United Lending is a private money lender headquartered in New York. We help real estate investors acquire quick, easy funding at competitive rates — at every stage of the journey.
Competitive terms and rates
Pricing built for investors, not retail borrowers — with terms that match the way your deal actually works.
Flexible deal structures
We structure around the property and the business plan instead of forcing every file into one box.
Safe, reliable funding
Capital that shows up when you need it, so you can make offers with confidence and close on schedule.
Quick turnaround times
Files reviewed in 24 to 48 hours, with bridge closings in as little as seven business days.
Real estate expertise
We invest in real estate ourselves. You get a lender who understands scopes, comps, and exit strategy.
A proven track record
Hundreds of bridge loans processed every year for first-time and seasoned investors alike.
Our private money loan options
Financing for every stage of the deal
Four programs covering acquisition, renovation, construction and long-term hold — each underwritten on the property rather than your tax returns.
Rates & terms at a glance
Compare every program side by side
Indicative terms for each of our four programs. Final pricing depends on the property, the business plan, and your experience.
| Program | Rates from | Max LTV | Term | Closes in |
|---|---|---|---|---|
| Rental Property Loans | 6.375% | Up to 80% | 30-year fixed & ARM | 14 business days |
| Fix & Flip / Bridge Loans | 8.99% | Up to 90% | 12–18 months | 7 business days |
| Commercial – Multifamily / Mixed Use | 6.875% | Up to 75% | 5/1, 7/1, 10/1 ARM | 14 business days |
| Ground-Up New Construction | 9.75% | Up to 80% | 12–18 months | 3–4 weeks |
Rates, LTVs and terms shown are illustrative and subject to underwriting approval. They are not a commitment to lend.
Loan calculator
Estimate your payment before you call
Move the sliders to model a deal. These are indicative figures — your loan officer will confirm real pricing once we see the property.
Loan type
$750,000
80%
9.75%
12 months
Your estimate
Interest-only monthly payment
$4,875
- Loan amount
- $600,000
- Down payment
- $150,000
- Total interest over 12 months
- $58,500
Estimates only. Figures exclude taxes, insurance, origination points and closing costs, and do not constitute a commitment to lend.
Our easy loan process
Four steps from first call to funded
No committees, no month-long underwriting queue. A single loan officer owns your file from start to close.
- 01
Contact Us
We are available 24 hours a day, seven days a week, even on weekends and holidays.
- 02
Collection of Documents
Within minutes, your personal loan officer will provide you with a list of documentation required to process your application. They will even help you obtain these documents when needed.
- 03
Submission
We review your files and documents in as little as 24 to 48 hours and provide you with various financing options.
- 04
Closing
Once everything has been processed and reviewed, we will close the loan quickly and efficiently.
Recent closings
Deals we funded recently
A sample of the homes, buildings and investor properties we work with every week.
Fix & Flip
Ground Up$1,671,780
121-16 Long St
Queens, NY
- LTV
- 80.0%
- Rate
- 9.75%
DSCR$1,505,000
37-41 75th St
Queens, NY
- LTV
- 60.0%
- Rate
- 6.375%
Testimonials
What investors say about working with us
“Eddie and his team did a great job of keeping me in the loop on daily basis on my financing. Their communication is great and their financing programs are some of the best I've seen. I highly recommend them.”
John B.
Fix & Flip, Bronx NY
FAQ
Frequently asked questions
The questions investors ask us most often. If yours is not here, call us — we answer the phone.
A private money lender funds real estate loans with private capital rather than deposits, which means underwriting is based on the property and the business plan instead of your personal income documentation. That is what lets us close in days rather than months.
We review files and documents in as little as 24 to 48 hours. Bridge and fix-and-flip loans close in as little as seven business days; rental and multifamily loans close in roughly 14 business days.
No. We qualify the deal on the property's profit potential, so no tax returns or W-2s are required on our rental, multifamily and bridge programs.
A minimum 620 FICO score for bridge and fix-and-flip financing. Your loan officer will confirm the requirements for the specific program you are applying to.
Up to 90% loan-to-value on acquisition and up to 100% of construction costs, depending on the program and the strength of the file.
There are no prepayment penalties on our bridge loans, so exiting early never costs you more than it should.
We are a nationwide private money lender headquartered in Brooklyn, New York, with deep experience across the New York metro area and the surrounding states.
Yes. Many clients follow the BRRRR method — buy and renovate with a bridge loan, rent the property, then refinance into a long-term rental loan and repeat.
Ready to fund your next deal?
Tell us about the property and we will come back to you with options — usually within 24 to 48 hours.