Arkansas's Trusted Hard Money Lender for Real Estate Investors

Arkansas has two very different investor stories. Northwest Arkansas, home to Walmart, Tyson Foods, and J.B. Hunt, is one of the fastest-growing regions in the country. Central Arkansas, anchored by Little Rock, offers affordable housing, state government jobs, and a large medical sector.

Unitas Funding provides Arkansas investors with private capital for fix-and-flip, new construction, bridge, and DSCR rental loans. Natural State investors get rates starting at 8.99% and leverage up to 92.5% loan-to-cost, with $4.5 billion funded behind us.

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Fast, Reliable Capital for Your Next Arkansas Deal

Growth in Benton and Washington counties has pushed buyers to compete for homes, while Central Arkansas still offers deep discounts on older properties. Unitas pre-approves in 24 hours so you can move in either market.

Fix & Flip Loans

Fix & Flip Loans

Older homes in Little Rock's Hillcrest and the Heights, and dated ranches in Fort Smith and Conway, reward investors who update kitchens, baths, and systems. Unitas funds purchase and rehab together.

 

 

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New Construction Loans

New Construction Loans

Bentonville, Rogers, Springdale, and Fayetteville keep adding new neighborhoods to keep up with job growth. Our construction loans fund the full build and release draws in 24–48 hours.

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Bridge Loans

Bridge Loans

Need to close on an Arkansas property before your current deal sells? A Unitas bridge loan gives you 12-, 18-, or 24-month interest-only capital to make the move.

 

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DSCR Loans

DSCR Loans for Rental Properties

Corporate headquarters in Northwest Arkansas, the University of Arkansas, and Little Rock's hospitals create steady rental demand. Our DSCR loans qualify the property on its rental income.

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What Makes Unitas Different in Arkansas

  1. Built for Two Markets
    Unitas underwrites Northwest Arkansas growth deals and Central Arkansas value deals differently, because the numbers are different.

  2. Decisions Made In-House
    We approve and fund our own loans, so Arkansas investors get clear answers in hours.
  3. Fast Construction Draws
    Draws funded in 24–48 hours keep Northwest Arkansas builds on schedule in a busy trade market.

  4. Capital That Scales
    With $4.5 billion funded, Unitas can grow with you from one Arkansas project to many.

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Get Pre-Approved in 24 Hours
Found an Arkansas property worth buying? Send us the details and get a pre-approval in 24 hours.

Frequently Asked Questions

How quickly can Unitas close a loan in Arkansas?

Most Arkansas loans close within 10 business days after we receive a complete application.

Does Unitas fund new construction in Northwest Arkansas?

Yes. We fund ground-up construction in Bentonville, Rogers, Springdale, Fayetteville, and the surrounding area.

What rates does Unitas offer in Arkansas?

Rates start at 8.99%. Your final rate depends on your experience, the property, and the loan program.

Can I finance an Arkansas rental with a DSCR loan?

Yes. Our DSCR program qualifies the property on its rental income, not your W-2 or tax returns.

Which Arkansas cities does Unitas serve?

We lend statewide. We have dedicated pages for Fayetteville and Little Rock, and we also fund deals in Bentonville, Rogers, Springdale, Fort Smith, Conway, and Jonesboro.

Fayetteville

Little Rock

Ready to Fund Your Next Arkansas Real Estate Investment?

Unitas Funding gives Arkansas investors the speed and certainty they need, whether they are building in Northwest Arkansas or renovating in Little Rock. Contact us today to talk through your next Arkansas investment.


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