Alabama's Trusted Hard Money Lender for Real Estate Investors

Alabama gives real estate investors something that is hard to find in larger Sun Belt states: low entry prices paired with real job growth. Huntsville's aerospace and defense economy, Birmingham's medical and banking base, and auto plants across the state keep people moving in and renting.

Unitas Funding lends to Alabama investors on fix-and-flip, new construction, bridge, and DSCR rental projects. Borrowers can access up to 92.5% loan-to-cost with rates from 8.99%, and every loan is backed by a lender that has funded $4.5 billion.

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Fast, Reliable Capital for Your Next Alabama Deal

In many Alabama markets, a well-bought house still leaves room for a real renovation budget and a healthy margin. Unitas pre-approves in 24 hours and closes most loans in about 10 business days, so you can lock up the deal before another buyer does.

Fix & Flip Loans

Fix & Flip Loans

Brick ranches and older bungalows in Birmingham, Montgomery, and Mobile are steady renovation candidates. Unitas funds the purchase and the rehab in one loan, with 12-, 18-, or 24-month interest-only terms.

 

 

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New Construction Loans

New Construction Loans

Huntsville and the suburbs around Birmingham continue to add new subdivisions as employers grow. Our construction loans fund the full build, with draws released in 24–48 hours.

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Bridge Loans

Bridge Loans

Need to buy your next Alabama property before your current one sells? A Unitas bridge loan lets you close now and exit on your own timeline.

 

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DSCR Loans

DSCR Loans for Rental Properties

Redstone Arsenal, UAB, the University of Alabama, and auto plants in Vance, Montgomery, and Lincoln support steady rental demand. Our DSCR loans qualify the property on its rent, not your personal income.

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What Makes Unitas Different in Alabama

  1. Statewide Reach, One Lender
    From the Tennessee Valley to the Gulf Coast, Alabama investors work with one Unitas team that makes its own credit decisions.

  2. Value-Market Underwriting
    We understand how Alabama's lower prices and solid rents affect a deal, and we size loans around realistic resale and rent numbers.
  3. Draws That Beat the Weather
    Summer storms can slow a schedule. Draws funded in 24–48 hours help Alabama crews make up lost days.

  4. $4.5 Billion Behind You
    Our funding history means Unitas can support your first Alabama flip and the portfolio that follows.

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Get Pre-Approved in 24 Hours
Have an Alabama deal under contract? Send us the numbers and get a pre-approval within 24 hours.

Frequently Asked Questions

How fast can Unitas close a hard money loan in Alabama?

Most Alabama loans close within 10 business days of a complete application.

Does Unitas finance new construction in Alabama?

Yes. We fund ground-up single-family and small multifamily construction across Alabama, including the fast-growing Huntsville and Birmingham suburbs.

What leverage can I get on an Alabama fix-and-flip?

Qualified investors can finance up to 92.5% of total project cost, including purchase and rehab.

Can I use a DSCR loan for an Alabama rental?

Yes. Our DSCR loans qualify the property on its rental income, so personal tax returns are not required.

Which Alabama cities does Unitas serve?

We lend statewide. We have dedicated pages for Birmingham, Huntsville, Montgomery, and Tuscaloosa, and we also fund deals in Mobile, Auburn, Dothan, and surrounding counties.

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Ready to Fund Your Next Alabama Real Estate Investment?

Unitas Funding gives Alabama investors fast, dependable capital in one of the Southeast's best-value markets. From Birmingham renovations to new homes near Huntsville, we fund projects across the state. Contact us today to discuss your next Alabama investment.


Business-purpose loans for investment properties only. Not a commitment to lend. All loans subject to credit approval and underwriting.