Lakeland, FL's Trusted Hard Money Lender for Real Estate Investors

Lakeland sits on I-4 halfway between Tampa and Orlando, and that location has made it one of Central Florida's fastest-growing cities. Publix's corporate headquarters, Lakeland Regional Health, and a large logistics sector anchor the local economy, while downtown's lakes and historic districts draw new residents.

Unitas Funding offers Lakeland investors fix-and-flip, new construction, bridge, and DSCR rental loans up to 92.5% loan-to-cost. Rates start at 8.99%, and we have funded $4.5 billion nationwide.

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Fast, Reliable Capital for Your Next Lakeland Deal

Lakeland buyers get more house for the money than in Tampa or Orlando, which keeps demand strong for renovated homes and new builds alike. Unitas pre-approves in 24 hours and closes in about 10 business days.

Fix & Flip Loans

Fix & Flip Loans

Bungalows in Dixieland and homes near Lake Morton and Lake Hollingsworth are strong renovation candidates. Unitas funds acquisition and rehab together, with 12-, 18-, or 24-month interest-only terms.

 

 

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New Construction Loans

New Construction Loans

New subdivisions in north and south Lakeland continue to fill as people move along the I-4 corridor. 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 a Lakeland property while your last deal is still on the market? A Unitas bridge loan gets you to closing without waiting.

 

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DSCR Loans

DSCR Loans for Rental Properties

Florida Southern College, Florida Polytechnic University, and the distribution centers around Lakeland Linder International Airport all support rental demand. Our DSCR loans qualify the property on its rental income.

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What Makes Unitas Different in Lakeland

  1. Speed on the I-4 Corridor
    Good Lakeland deals move fast. Unitas makes its own decisions and can close in about 10 business days.

  2. Central Florida Experience
    We understand Polk County values, insurance costs, and how Lakeland compares with Tampa and Orlando, and we underwrite with that in mind.
  3. Draws Without the Wait
    Draw requests are funded in 24–48 hours so Lakeland crews stay busy and projects stay on track.

  4. Capital to Scale
    With $4.5 billion funded, Unitas can support Lakeland investors as they grow from one project to many.

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Get Pre-Approved in 24 Hours
Ready to buy in Lakeland? Send us your deal and get a pre-approval in 24 hours from a direct lender.

Frequently Asked Questions

How quickly can I close a hard money loan in Lakeland?

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

Does Unitas finance historic homes in Lakeland?

Yes. We fund renovations in Lakeland's historic neighborhoods, including Dixieland and the areas around Lake Morton.

What rates does Unitas offer in Polk County?

Rates start at 8.99%, depending on your experience, the property, and the loan type.

Can I use a DSCR loan for a Lakeland rental?

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

Does Unitas lend in other Polk County cities?

Yes. We fund deals across Polk County, including Winter Haven, Bartow, Auburndale, and Haines City.

 

 

 

Ready to Fund Your Next Lakeland Real Estate Investment?

Unitas Funding gives Lakeland investors fast, reliable capital in one of Central Florida's strongest growth markets. From Dixieland renovations to new homes along I-4, we fund projects across Polk County. Contact us today to discuss your next Lakeland investment.


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.