Nationwide private money lending for real estate investors.
Short-term
Short-term capital to buy, renovate and exit. Up to 90% LTV with 100% of construction costs covered and no prepayment penalties.
Fix-and-flip real estate projects are many real estate investors' first foray into the investing world, and they remain one of the most reliable ways to turn a profit in residential real estate.
United Lending LLC processes hundreds of bridge loans every single year for new and experienced real estate investors alike, working with individual investors and firms on projects of every size.
Investors buy homes, renovate them, then sell for profit — a classic investment tool that has been utilized for decades.
Competition for these properties has intensified over the past five to ten years, which makes the speed of your financing as important as its price.
Speed matters in competitive markets. Investors who need funding to purchase these homes must seek lenders without long, drawn-out processes.
We review files and documents in 24 to 48 hours and close in as little as seven business days.
Bridge loans are short-term loans designed to help investors capitalize on opportunities while awaiting permanent financing. They are most often used for fix-and-flip and ground-up construction projects.
For a fix-and-flip, the property's projected post-renovation value serves as the basis for the loan. For a fix-and-refinance, the bridge loan supports the BRRRR method — Buy, Renovate, Rent, Refinance, and Repeat — so you can build a portfolio rather than sell each project.
Why it works
You do not have to sell your assets immediately to free up capital for the next deal.
Bridge financing makes capital accessible to individual investors, not just funds.
Run several purchases at once instead of waiting for one project to close out.
Funds available in as little as one week, so you can compete with cash offers.
Our easy loan process
No committees, no month-long underwriting queue. A single loan officer owns your file from start to close.
We are available 24 hours a day, seven days a week, even on weekends and holidays.
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.
We review your files and documents in as little as 24 to 48 hours and provide you with various financing options.
Once everything has been processed and reviewed, we will close the loan quickly and efficiently.
FAQ
Still unsure whether this is the right program? Call us and we will tell you straight.
We fund up to 100% of construction costs, alongside up to 90% loan-to-value on the acquisition.
No. There are no prepayment penalties on our bridge loans, so an early exit never costs you extra.
A minimum 620 FICO score. Your personal loan officer will walk you through the rest of the documentation.
Documents are processed in 24 to 48 hours and loans close in as little as seven business days.
Other programs
Tell us about the property and we will come back to you with options — usually within 24 to 48 hours.
