About us
A lender built by people who invest in real estate themselves
United Funding is a Brooklyn-based private lender that funds every type of investment property across the US, run by people who invest in real estate themselves.
Our story
Private capital, without the bank's timeline
United Funding is a private money lender headquartered in Brooklyn, New York. We offer flexible private money financing and capital solutions for real estate investors during any stage of their journey.
Conventional lenders underwrite the borrower. They want tax returns, W-2s and a debt-to-income ratio that fits a retail model — which rarely describes an investor already carrying several properties. We underwrite the deal instead: the asset, the business plan, and the exit.
That difference is why we can review a file in 24 to 48 hours and close a bridge loan in as little as seven business days, while a bank is still scheduling its committee.
- Loan programs
- 5
- Recent closings published
- 8
How we work
What you get with United Funding
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.
- Rates starting at
- 6.375%
- Up to LTV
- 90%
- Closings in as little as
- 7 days
- Minimum FICO
- 620
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
Tell us about the deal
Call, email or apply online whenever it suits you. Someone picks up around the clock, weekends and holidays included.
- 02
Get your document list
Your loan officer sends a short list of what the file needs, often within minutes, and helps you track down anything that's missing.
- 03
Review your options
We review the file in as little as 24 to 48 hours and come back with the financing options that fit the property and your plan.
- 04
Close and fund
Once the file is approved, we schedule the closing. Bridge loans can close in as little as seven business days.
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
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.