Birmingham, AL's Trusted Hard Money Lender for Real Estate Investors

Birmingham's transformation from steel city to Alabama's largest healthcare and biotech hub — anchored by UAB — continues to drive renovation activity in Forest Park and Avondale, where historic bungalows are being restored faster than they can hit the market.

Unitas Funding provides private real estate loans for investors throughout Birmingham and Jefferson County — fix-and-flip, new construction, bridge, and DSCR rental financing up to $4.5M. With $4.5 billion funded nationally, we bring the speed Birmingham investors need to compete.

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Fast, Reliable Capital for Your Next Birmingham Deal

Birmingham's UAB-anchored healthcare economy and continued urban revitalization support strong margins for investors who can close fast. Unitas offers rates from 8.99%, up to 92.5% loan-to-cost, and pre-approval in 24 hours across Jefferson County.

Fix & Flip Loans

Fix & Flip Loans

Forest Park and Avondale's early-1900s bungalows reward investors who restore period character while modernizing kitchens and systems for Birmingham's growing base of UAB-affiliated buyers. Unitas funds acquisition and rehab budget together so investors can close and start work fast.

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New Construction Loans

New Construction Loans

Infill and adaptive reuse projects near Five Points South and Highland Park continue as Birmingham's urban core keeps attracting new residents. Our construction loans fund the full build cycle with 24-48 hour draws to keep Alabama crews on schedule.

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Bridge Loans

Bridge Loans

Need to close on an Avondale acquisition before your permanent financing is finalized? Unitas bridge loans give Birmingham investors the short-term capital to secure deals without losing momentum.

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DSCR Loans

DSCR Loans for Rental Properties

Birmingham's UAB-driven healthcare and biotech workforce supports strong rental demand, making DSCR loans an effective tool for investors building portfolios in Forest Park or Highland Park. We qualify the property's cash flow, not personal income.

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What Makes Unitas Different in Birmingham

  1. Institutional Resources, Direct Access
    Backed by $4.5 billion in institutional capital, Unitas never leaves a Birmingham closing waiting on funds — while operating as a direct lender that gives real answers in hours.

  2. Local Birmingham Market Expertise
    Our team understands Jefferson County's revitalization corridors, from Forest Park's historic bungalows to Five Points South's mixed-use redevelopment, and prices deals accordingly.
  3. Speed That Protects Your Margin
    24-48 hour draw turnaround keeps Birmingham rehab and construction projects moving on schedule.

  4. A Track Record Built in Birmingham
    We've funded deals across Avondale, Highland Park, and Five Points South, building the track record Birmingham investors and agents trust.

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Get Pre-Approved in 24 Hours
Ready to move on your next Birmingham deal? Submit your scenario and get a same-day term sheet from a direct lender — no committees, no runaround.

Frequently Asked Questions

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

Most Birmingham transactions close within 10 business days of a completed application, with our team coordinating directly with Jefferson County title companies.

What loan-to-cost is available for Birmingham fix-and-flips?

Qualified investors can access up to 92.5% loan-to-cost, covering acquisition and renovation budget for Forest Park and Avondale projects.

Does Unitas finance rental properties near UAB?

Yes, our DSCR program funds rental properties throughout the UAB corridor and greater Birmingham, qualifying the property's income rather than personal tax returns.

Does Unitas fund adaptive reuse projects in Birmingham?

Yes, our construction and bridge programs can fund adaptive reuse and infill projects throughout Birmingham's urban core.

What parts of Central Alabama does Unitas serve besides Birmingham?

We fund deals throughout Jefferson County and Central Alabama, including Hoover, Vestavia Hills, and Homewood.

Ready to Fund Your Next Birmingham Real Estate Investment?

Unitas Funding provides the fast, flexible private capital Birmingham investors need to compete in Alabama's largest and most actively revitalizing market. From Forest Park restorations to Five Points South redevelopment, we fund projects across Jefferson County. Contact us today to discuss your Birmingham investment property financing.

Unitas Funding has funded 51+ deals for investors in and around Birmingham, AL.


Business-purpose loans for investment properties only. Not a commitment to lend. All loans subject to credit approval and underwriting. Rates, terms, and loan-to-cost vary based on borrower qualifications, property, and market conditions. Loan product availability may be limited in certain states.