Fix & Flip$500K to $1M
Nationwide private money lender
Private & hard money loans for real estate investors
United Funding is a private money lender: we fund investment property on the strength of the deal, not your tax returns. Bridge loans, fix and flips, DSCR rental loans, multifamily and ground-up construction, anywhere in the US.
- Rates starting at
- 6.375%
- 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 Funding 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
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.
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
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.
Recent closings
Deals we funded recently
A sample of the homes, buildings and investor properties we work with every week.
Fix & Flip
Ground Up$1M to $2M
DSCR$1M to $2M
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.