Topeka, KS's Trusted Hard Money Lender for Real Estate Investors

In Topeka's value-driven investment market, speed and certainty separate the investors who build wealth from the ones who wait for better deals that never come. Traditional bank timelines of 30-45 days eliminate your advantage when motivated sellers, sheriff sales, and off-market opportunities reward decisiveness. Unitas Funding closes hard money loans in as little as 10 business days. We're not here to tell you maybe. We're here to fund deals.

We specialize in private loans for real estate investors in Topeka and throughout Kansas. Whether you're flipping properties in Shawnee County, building new construction near the state capital corridor, securing bridge financing, or scaling a rental portfolio anchored by government and healthcare employment, we focus on your property's value and exit strategy. Backed by $4.5 billion in institutional capital across thousands of funded projects, we combine financial strength with execution speed.

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Fast, Reliable Capital for Your Next Topeka Deal

Topeka's stable government employment base and accessible acquisition prices create an investment environment where disciplined investors generate consistent returns. Our programs start at 8.99% with loan-to-cost ratios reaching 92.5% on qualified deals. Pre-approvals arrive within 24 hours, letting you move quickly on the opportunities others miss. We structure financing around your specific strategy and timeline, not generic templates that ignore deal reality.

Fix & Flip Loans

Fix & Flip Loans

Properties throughout Topeka offer renovation opportunities at price points that maximize return on investment for experienced flippers. Our fix-and-flip financing covers both acquisition and construction costs using after-repair-value underwriting, so you leverage future worth rather than current distressed condition. Choose 12-, 18-, or 24-month terms with interest-only payments for healthy cash flow during renovation. Draw processing completes within 24-48 hours after inspection, keeping contractors productive and projects on schedule.

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New Construction Loans

New Construction Loans

Ground-up development in Topeka requires capital that understands Kansas construction realities. Our new construction loans fund single-family spec homes and small multifamily residential projects with draw schedules tied to actual milestones, not arbitrary dates. Starting at 8.99% with terms customized to your build timeline, we bring both funding and construction expertise from land acquisition through certificate of occupancy.

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Bridge Loans

Bridge Loans

Timing gaps happen in Topeka investing. Maybe you need to close before permanent financing is ready, or you're waiting on another sale to fund your next acquisition. Our bridge loans run 6-12 months, providing interim capital when opportunities appear. Topeka investors use bridge financing to secure auction properties, grab off-market deals, and transition between investment phases without losing deals to faster competitors.

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DSCR Loans

DSCR Loans for Rental Properties

Scaling rental portfolios in Topeka shouldn't require extensive personal financial documentation. Our DSCR loans qualify on one metric: does the rent cover the mortgage? If cash flow works, we fund it. Topeka's government and healthcare employment base creates consistent, long-term rental demand. Available for short-term, mid-term, and long-term rentals throughout the area. Property income potential matters, not three-year-old tax returns.

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What Makes Unitas Different in Topeka

  1. Institutional Resources, Direct Access
    Backed by $4.5 billion in institutional capital, funding availability is never uncertain at closing. But we're not a bank drowning in committees and policies—we're a direct lender purpose-built for real estate investors. You get financial stability combined with decision-making speed and flexibility.

  2. Underwriting for Property Fundamentals
    Traditional lenders use rigid qualification boxes. If your Topeka deal doesn't fit their template perfectly, you're declined. We evaluate deals based on property fundamentals, local market conditions, and whether your exit strategy makes financial sense. We build loan structures around your specific project requirements.
  3. We Fund What We Approve
    We own our capital. We're not brokers marketing your deal to multiple lenders, and we don't sell loans to secondary markets that might disappear when volatility hits. When we issue an approval, that approval is final. No surprise committee reviews, no funding falling through three days before closing.

  4. Speed That Matches Market Reality
    Closing in 10 business days gets you into the property. Our draw requests process in 24-48 hours after inspection completion. Your Topeka renovation or construction project moves at the speed of actual work, not internal bureaucracy. Most projects require approximately 10 draws, and each one receives the same urgent processing as your initial funding.

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Get Pre-Approved in 24 Hours
Stop losing Topeka deals to investors with faster financing. We deliver real pre-approvals in 24 hours—not meaningless pre-qualifications, but actual approvals that give you credibility when making offers. Our focus is on property value and deal structure, not endless personal documentation.

Frequently Asked Questions

What types of investment properties do you finance in Topeka?

We finance business-purpose real estate throughout Topeka and Kansas: single-family homes, multifamily properties, townhomes, and mixed-use residential buildings. We fund fix-and-flip projects, new construction, bridge loans, and DSCR rental property acquisitions. All loans must be made through business entities—we don't provide consumer mortgages or owner-occupied financing.

How quickly can you close on a Topeka investment property?

10 business days with complete documentation. We deliver pre-approvals in 24 hours, and final approvals typically occur within 3-5 business days depending on title clearance and property valuation completion. Compare that to 30-45 days minimum for traditional banks, and you'll understand why serious Kansas investors choose hard money lending over conventional financing.

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

We offer loan-to-cost ratios up to 92.5% on qualified fix-and-flip projects in Topeka, covering both purchase price and renovation budget. Actual LTC depends on property type, location, your experience level, and project scope. We underwrite based on after-repair value and your exit strategy. Rates start at 8.99%, and we customize terms to match your specific project timeline.

Do you require personal income verification for DSCR loans in Topeka?

No. Our DSCR loans in Topeka qualify based on the rental property's income potential, not your personal W-2s, tax returns, or employment history. We evaluate whether the property generates sufficient rent to cover debt service. You'll need business entity documentation and liquidity for down payment and reserves, but personal income verification is not required.

What areas of Topeka do you serve?

We provide private real estate loans throughout Topeka, Shawnee County, and surrounding Kansas communities. We lend in established urban neighborhoods and suburban growth areas. Whether your property is near the State Capitol complex, in the College Hill historic district, in North Topeka, or in communities like Auburn, Rossville, or Silver Lake, we have the lending appetite to support your investment.

Ready to Fund Your Next Topeka Real Estate Investment?

Sometimes, markets move too fast for slow capital. While your competitors wait weeks for bank approvals, you could already be under contract with Unitas backing your offer. Our Topeka hard money lenders have funded 1,628 deals because we understand what investors need. Speed without sacrificing certainty. Flexibility without hidden surprises. Institutional backing without institutional bureaucracy. Tell us about your next deal and we'll show you exactly how we can help you close it.


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