Loan programs
Hard money and private loans for real estate investors
Short-term and long-term financing for investment property anywhere in the US, underwritten on the property and your plan rather than your tax returns.
Private money, underwritten on the deal
A hard money lender for investors across the US
United Funding is a private hard money lender for real estate investors. We fund investment property only: single-family flips, 1 to 4 unit rentals, apartment buildings, mixed-use properties and new construction, anywhere in the US.
A bank underwrites you: your income, your tax returns, how many mortgages you already carry. We underwrite the deal: the property, the numbers and your plan to exit. That is why a file can be reviewed in as little as 24 to 48 hours, and a bridge loan can close in as little as seven business days.
Areas we lend: New York, Texas, Florida, California and every other state.
How to choose a hard money lender
- Compare the total cost, not just the rate. Points, fees and any prepayment penalty change what a loan really costs.
- Ask how much they fund. The share of the purchase price and of the rehab budget decides how much cash you bring.
- Check the timeline: how fast they review a file, and how fast they actually close.
- Make sure they lend where your property is, and on your property type.
- Find out who you will talk to, and when. A lender you can't reach mid-deal costs you time.
Our private money loan options
Financing for every stage of the deal
Programs for buying, bridging, renovating, building and holding, 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 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 Loans | 8.99% | Up to 90% | 12–18 months | 7 business days |
| Bridge Loans | 8.99% | Set per deal | 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 as of October 2026. Rates, LTVs and terms shown are illustrative and subject to underwriting approval. They are not 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
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.
FAQ
Frequently asked questions
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.