Evansville, IN's Trusted Hard Money Lender for Real Estate Investors

When the perfect investment property hits the market in Evansville, you don't have weeks to wait for traditional bank approvals. You need capital that moves as fast as the city's real estate market. Unitas Funding provides private loans designed for Evansville real estate investors who understand that timing separates profitable deals from missed opportunities. Whether you're targeting a fix-and-flip in Haynie's Corner, ground-up construction in Newburgh, or rental property acquisition in the West Side, we deliver the speed and flexibility Evansville investors demand.

We're more than just hard money lenders. We're partners in your growth, backed by $4.5 billion in institutional capital and a track record of 4,718 successfully funded loans. Our Evansville hard money lenders combine deep construction knowledge with institutional lending expertise, creating a lending experience that feels personal while delivering the reliability of a major financial institution. From first-time flippers to seasoned portfolio builders managing multiple projects, Evansville investors choose Unitas because we understand that every deal has unique requirements and every investor deserves customized solutions.

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Fast, Reliable Capital for Your Next Real Estate Deal

Real estate moves quickly. Auction properties, off-market deals, and competitive bidding situations require lenders who can deliver pre-approvals in 24 hours and close in as few as 10 business days. Unitas Funding provides short-term real estate financing with rates starting at 9.25% and loan-to-cost ratios up to 92.5%, giving you the leverage to maximize returns while maintaining capital efficiency. Our asset-based lending approach focuses on property value and your exit strategy, not rigid credit boxes that slow down approvals and limit your deal-making capacity.

Fix & Flip Loans

Fix & Flip Loans

Evansville's housing stock presents consistent opportunities for value-add investors. Our fix and flip loans provide purchase and renovation financing based on After Repair Value (ARV), enabling you to acquire properties with confidence and execute rehabs that maximize profit margins. We structure terms around your specific timeline and exit strategy, offering 12-, 18-, and 24-month options with interest-only payments that preserve cash flow during construction. Whether you're renovating historic homes in Riverside or updating properties in Darmstadt, our draw process keeps capital flowing as your project progresses, with typical turnaround times of 24-48 hours after inspection completion.

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New Construction Loans

New Construction Loans

Ground-up construction projects require lenders who understand the complexities of building from scratch. Our new construction funding supports single-family spec homes and multifamily residential developments. Our hard money lenders serving Evansville provide staged draws tied to construction milestones and property inspections, ensuring capital availability matches your project timeline. With deep construction knowledge and institutional lending expertise, our team evaluates projects based on market fundamentals and your development experience, not cookie-cutter formulas that miss the nuances of Evansville's diverse neighborhoods.

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Bridge Loans

Bridge Loans

Gap financing solves timing challenges that traditional lenders can't accommodate. When you need to secure a property quickly while awaiting permanent financing, refinancing an existing asset, or transitioning between investment strategies, our bridge loans provide 6-12 month terms designed for speed and flexibility. Evansville investors use bridge financing to capture time-sensitive opportunities, stabilize properties before converting to long-term rentals, or bridge the gap between property sale and new acquisition. We structure terms around your specific situation, providing clarity and certainty when timing matters most.

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DSCR Loans

DSCR Loans for Rental Properties

Building a rental portfolio requires financing that scales with your investment strategy. Our Debt Service Coverage Ratio (DSCR) loans qualify based on property income potential, not personal income verification. Whether you're acquiring short-term rentals near the University of Southern Indiana, mid-term rentals for corporate housing, or traditional long-term holds in Henderson, we underwrite based on the property's ability to generate cash flow. This asset-based approach eliminates the documentation burden of traditional lending while providing the capital you need to grow your portfolio systematically.

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What makes Unitas different?

  1. The Power of a Bank, The Speed of a Partner
    We combine institutional capital backing with entrepreneurial thinking. Our $4.5 billion in funded loans provides the financial strength you expect from major lenders, while our direct lending model delivers the responsiveness and flexibility you need from a true partner. Unlike traditional banks that require 30-45 days for approvals, our Evansville hard money lenders close in as few as 10 business days. Unlike smaller private money lenders with limited capital, we have the resources to fund multiple deals simultaneously and support your growth as your portfolio expands.

  2. More Ways to Say ‘Yes’ to Your Deal.
    Traditional lenders operate within rigid credit boxes that automatically reject deals failing to meet standardized criteria. We take a different approach. Our underwriting team evaluates each project individually, focusing on property fundamentals, market conditions, and your exit strategy. This flexibility means we can structure creative solutions for complex deals, adjust terms to match your specific timeline, and find pathways to approval when other lenders say no. Our mission is clarity and transparency, not arbitrary restrictions that limit your investment potential.

  3. Certainty from a Direct Lender.
    When Unitas says yes, it truly means yes. As a direct lender, we own our capital and make our own underwriting decisions. You're not waiting for secondary approval committees or dealing with the uncertainty of conduit lenders who sell loans to third parties. This direct relationship provides reliability during market volatility and ensures that approved deals actually close. Our institutional backing and direct lending model proved particularly valuable during the April 2022 market disruption, when conduit lenders faced funding freezes while direct lenders like Unitas continued funding projects without interruption.

  4. Faster Funding, Faster Draws
    Momentum is everything in a renovation or construction project. Our draw process is designed to keep your work moving forward without interruption. Once an inspection is complete, draw requests are typically funded within 24-48 hours. This responsive capital flow prevents costly delays with contractors and suppliers, ensuring your project stays on track from start to finish.

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Get Pre-Approved in 24 Hours!
Take the first step toward securing your next Evansville investment. Fill out our straightforward application form, and our team will provide a preliminary term sheet within 24 hours. This swift pre-approval gives you the credibility and confidence to negotiate effectively and get your next property under contract without delay.

Frequently Asked Questions

What types of investment properties do you finance?

Our private loans are designed for Evansville real estate investors and non-owner-occupied residential properties, including single-family homes, condos, townhouses, and multifamily buildings with 2-4 units. We provide financing for a range of strategies, including fix-and-flip projects, new construction, and long-term rental acquisitions. All lending is for business purposes to entities like LLCs.

How quickly can you close on a Evansville investment property?

With a complete application and supporting documentation, we are capable of closing loans in as few as 7-10 business days. Our streamlined, in-house process is significantly faster than the 30-45 day timeline typical of traditional banks, giving our clients a distinct competitive advantage in the Evansville market.

What are your loan-to-cost ratios for Evansville fix-and-flip projects?

For qualified fix-and-flip projects in the Evansville area, we can offer financing up to 92.5% of the total project cost, which includes both the purchase price and the renovation budget. Final LTC is determined by the specifics of the deal, the property's ARV, and the borrower's experience level.

Do you require personal income verification for DSCR loans?

No, our DSCR rental property loan program does not require W-2s, pay stubs, or personal tax returns. Loan qualification is based on the investment property's ability to generate enough income to cover its debt service obligations, making it an ideal financing tool for self-employed investors and those looking to scale their portfolios quickly.

What areas of Evansville do you serve?

We provide hard money lending throughout Evansville and the greater Tri-State area, including Vanderburgh, Warrick, and Posey counties. Our national lending footprint allows us to serve investors across Indiana, while our physical offices in NJ and FL provide in-person support for those who prefer it.

Ready to Fund Your Next Evansville Real Estate Investment?

In a market that rewards speed, having a reliable capital partner is essential. Unitas Funding provides the decisive financing and expert support that real estate investors need to succeed. Tell us about your next project, and let our Evansville hard money lenders build a custom lending solution that helps you achieve your goals.


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