Kentucky's Trusted Hard Money Lender for Real Estate Investors

Kentucky combines affordable housing with a diverse economy. Louisville is home to the UPS Worldport air hub, major Ford plants, and the bourbon industry. Lexington pairs the University of Kentucky with horse country, and Northern Kentucky sits right across the river from Cincinnati.

Unitas Funding offers Kentucky investors fix-and-flip, new construction, bridge, and DSCR rental loans. Bluegrass State investors get rates from 8.99%, leverage up to 92.5% loan-to-cost, and a lender with $4.5 billion in funded loans.

shutterstock_2644509203

Fast, Reliable Capital for Your Next Kentucky Deal

Kentucky's lower prices let investors buy, renovate, and still sell or rent at a strong margin. Unitas pre-approves in 24 hours and closes most loans in about 10 business days.

Fix & Flip Loans

Fix & Flip Loans

Shotgun houses and older homes in Louisville's Germantown, Crescent Hill, and Highlands neighborhoods are popular renovation projects. Unitas funds purchase and rehab together, with 12-, 18-, or 24-month interest-only terms.

 

 

Learn More
New Construction Loans

New Construction Loans

Growth around Lexington, Bowling Green, and the Louisville suburbs keeps demand for new homes strong. Our construction loans fund the full build, with draws in 24–48 hours.

Learn More
Bridge Loans

Bridge Loans

Found your next Kentucky property before the last one sold? A Unitas bridge loan lets you buy now and sell on your own schedule.

 

Learn More
DSCR Loans

DSCR Loans for Rental Properties

UPS, Ford, Toyota's plant in Georgetown, and the University of Kentucky keep Kentucky renters in steady supply. Our DSCR loans qualify the property on its rental income.

Learn More


What Makes Unitas Different in Kentucky

  1. Answers From the Lender
    Unitas decides and funds in-house, so Kentucky investors never wait on a third party.

  2. Bluegrass Market Knowledge
    We understand how Louisville, Lexington, and Northern Kentucky values and rents differ, and we underwrite each deal on its own numbers.
  3. Fast Draws
    Draws funded in 24–48 hours keep Kentucky renovations and builds on track.

  4. Capital to Grow
    With $4.5 billion funded, Unitas can support Kentucky investors at every stage.

shutterstock_2218681047 (1)

Get Pre-Approved in 24 Hours
Found a Kentucky deal? Send us the details and get a pre-approval within 24 hours.

Frequently Asked Questions

How quickly can Unitas close a loan in Kentucky?

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

Does Unitas lend in Northern Kentucky?

Yes. We fund projects in Covington, Newport, Florence, and the rest of Northern Kentucky.

What leverage can I get on a Kentucky fix-and-flip?

Qualified investors can finance up to 92.5% of total project cost.

Can I use a DSCR loan for a Kentucky rental?

Yes. Our DSCR loans qualify based on the property's rental income, not personal income.

Which Kentucky cities does Unitas serve?

We lend statewide. We have dedicated pages for Lexington and Louisville, and we also fund deals in Bowling Green, Covington, Owensboro, Richmond, and Georgetown.

Overland Park

Lexington

Louisville

Ready to Fund Your Next Kentucky Real Estate Investment?

Unitas Funding gives Kentucky investors fast, flexible capital from Louisville to Lexington and beyond. From Highlands renovations to new homes in growing suburbs, we fund projects across the state. Contact us today to discuss your next Kentucky investment.


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