About us
A lender built by people who invest in real estate themselves
United Lending LLC is a New York–based investment and equity firm that serves as a lender of commercial property loans, with all transparency and honor.
Our story
Private capital, without the bank's timeline
United Lending 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.
- Funded in recent closings
- $7.4M
- Recent closings published
- 8
How we work
What you get with United Lending
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
- 8.99%
- 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
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.
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.