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

Huntsville's aerospace and defense economy — anchored by NASA Marshall Space Flight Center and Redstone Arsenal — has fueled one of the South's fastest-growing job markets, and housing demand hasn't caught up. Investors renovating Five Points bungalows or building rentals near Providence are competing against a wave of relocating engineers with cash offers.

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

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Fast, Reliable Capital for Your Next Huntsville Deal

Huntsville's high-wage aerospace and tech workforce, combined with limited housing supply, supports strong margins for flips and steady rental demand alike. Unitas offers rates from 8.99%, up to 92.5% loan-to-cost, and pre-approval in 24 hours across Madison County.

Fix & Flip Loans

Fix & Flip Loans

Five Points and Twickenham's historic bungalows reward investors who restore period charm while modernizing kitchens and systems for Huntsville's influx of relocating professionals. Unitas funds acquisition and rehab together so investors can close and start work fast.

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New Construction Loans

New Construction Loans

Infill and new subdivision development near Providence and the Lowe Mill District continues as Huntsville's population surge outpaces existing supply. 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 a Blossomwood acquisition before your permanent financing clears? Unitas bridge loans give Huntsville investors the short-term capital to secure deals against competing offers.

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DSCR Loans

DSCR Loans for Rental Properties

Huntsville's aerospace-driven population growth and high median incomes make DSCR loans a strong fit for investors building rental portfolios near Redstone Arsenal or in Providence. We qualify the property's cash flow, not personal income.

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What Makes Unitas Different in Huntsville

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

  2. Local Huntsville Market Expertise
    Our team tracks Madison County's rapid aerospace-driven growth, from Five Points' historic core to Providence's new development, and prices deals accordingly.
  3. Speed That Protects Your Margin
    24-48 hour draw turnaround keeps Huntsville rehab and construction projects on schedule as demand for contractors intensifies with the region's growth.

  4. A Track Record Built in Huntsville
    We've funded deals across Twickenham, Blossomwood, and Providence, building the track record Huntsville investors and agents rely on.

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Get Pre-Approved in 24 Hours
Ready to move on your next Huntsville 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 Huntsville?

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

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

Qualified investors can access up to 92.5% loan-to-cost, covering acquisition and renovation budget for Five Points and Twickenham projects.

Does Unitas finance new construction in Huntsville?

Yes, we fund ground-up and infill construction throughout Madison County, including projects near Providence and the Redstone Arsenal corridor.

How does DSCR financing work for Huntsville rentals?

DSCR loans qualify based on the property's rental income relative to debt service, not personal income, suiting Huntsville's strong aerospace-driven rental demand.

What parts of North Alabama does Unitas serve?

We fund deals throughout Madison County and North Alabama, including Madison, Athens, and Decatur.

Ready to Fund Your Next Huntsville Real Estate Investment?

Unitas Funding delivers the fast, flexible private capital Huntsville investors need to compete in one of the South's fastest-growing aerospace hubs. From Five Points restorations to Providence-area new construction, we fund projects across Madison County. Contact us today to discuss your Huntsville investment property financing.

Unitas Funding has funded 47+ deals for investors in and around Huntsville, 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.