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

Wichita's identity as the 'Air Capital of the World' — home to Textron Aviation, Spirit AeroSystems, and a deep manufacturing workforce — anchors one of the Midwest's most stable rental markets. Investors flipping character homes in College Hill or repositioning rentals near Riverside benefit from steady job-driven demand that outlasts market cycles.

Unitas Funding provides private real estate loans for investors throughout Wichita and Sedgwick 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 Wichita investors need to compete for deals.

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Fast, Reliable Capital for Your Next Wichita Deal

Wichita's low cost basis and aviation-driven employment base support strong cash-on-cash returns for buy-and-hold investors and healthy margins for flippers. Unitas offers rates from 8.99%, up to 92.5% loan-to-cost, and pre-approval in 24 hours across Sedgwick County.

Fix & Flip Loans

Fix & Flip Loans

College Hill and Riverside's early-20th-century housing stock rewards investors who can modernize kitchens and mechanicals while preserving character. Unitas funds acquisition and rehab together so Wichita flippers can close fast and start work immediately.

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New Construction Loans

New Construction Loans

Builders are filling infill lots near the Delano District and Old Town as downtown Wichita's redevelopment continues. Our construction loans fund the full build cycle with draws released in 24-48 hours to keep Kansas crews moving.

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Bridge Loans

Bridge Loans

Need to close on a Riverside multifamily acquisition before your permanent loan is finalized? Unitas bridge loans give Wichita investors the short-term capital to secure deals without losing momentum.

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DSCR Loans

DSCR Loans for Rental Properties

Wichita's consistently strong rent-to-price ratios make DSCR loans especially effective for investors building portfolios in Crown Heights or College Hill. We qualify the property's income, not your personal tax returns.

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What Makes Unitas Different in Wichita

  1. Institutional Resources, Direct Access
    With $4.5 billion in institutional capital behind every closing, Unitas never leaves Wichita investors waiting on funding — while operating as a direct lender that gives real answers fast.

  2. Local Wichita Market Expertise
    Our underwriting team knows Sedgwick County's neighborhoods, from College Hill's character homes to Delano District infill, and prices deals on the asset, not a checklist.
  3. Speed That Protects Your Margin
    24-48 hour draw turnaround keeps Wichita rehab and construction projects on schedule, protecting margin in a market where holding costs matter.

  4. A Track Record Built in Wichita
    Our funded deals span Riverside, Old Town, and College Hill, building the kind of track record Wichita agents and investors rely on for certainty of close.

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Get Pre-Approved in 24 Hours
Ready to move on your next Wichita deal? Submit your scenario and get a same-day term sheet from a direct lender — no committees, no runaround.

Frequently Asked Questions

How fast does Unitas close hard money loans in Wichita?

Most Wichita transactions close in 10 business days from a completed application, with our team coordinating directly with local title companies.

What loan-to-cost can Wichita investors access?

Qualified borrowers can reach up to 92.5% loan-to-cost on Wichita fix-and-flip deals, covering both purchase and renovation budget.

Does Unitas fund new construction in Wichita?

Yes, we fund infill and ground-up construction throughout Sedgwick County, including projects near the Delano District and Old Town.

How does the DSCR loan program work for Wichita rentals?

DSCR loans qualify based on the property's rental income relative to its debt service, not your personal income, making it easier to scale a Wichita rental portfolio.

What areas of Kansas does Unitas serve besides Wichita?

We fund deals throughout Sedgwick County and the surrounding region, including Derby, Andover, Park City, and Haysville.

Ready to Fund Your Next Wichita Real Estate Investment?

Unitas Funding provides the fast, flexible private capital Wichita investors need in the heart of Kansas's largest metro. From College Hill renovations to Delano District infill, we fund projects across Sedgwick County. Contact us today to discuss your Wichita investment property financing.

Unitas Funding has funded 48+ deals for investors in and around Wichita, KS.


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.