I'm Flipping

Rates as low as 8.99%

 

I'm Building

Rates as low as 9.25%

 

I'm Buying

Rates as low as 5.75%

 
 

Kentucky Hard Money Lenders

We are the premier Kentucky hard money lender, with over a decade of experience funding thousands of projects totaling $2B across fix and flips, new construction, cash out refinances, and term rental loans. We specialize in quick closings, approving loans as fast as 24 hours and closing in as little as two days with appropriate paperwork. Our flexible underwriting provides various loan options to best suit your project, whether you’re seeking the lowest interest rate, maximum leverage, zero points, or something else.

The Best Private Hard Money Lenders in Kentucky

Our loans are fully serviced in-house, from underwriting to draw management, guaranteeing every borrower a five-star experience from the first call to the final payoff. Our team are experts in local KY real estate, understanding that investment needs for a Louisville fix and flip differ significantly from a Lexington new construction loan. We offer fast closings, flexible underwriting, local market knowledge, and a streamlined loan process – that’s our ABL Difference.

Kentucky Hard Money Loans for Real Estate Investors

Fix & Flip
Loans

We stand among Kentucky’s premier hard money lenders, specializing in financing solutions for fix and flip investors transforming undervalued properties into profitable investments without depleting personal capital. Our 12-month interest-only bridge loans are strategically designed to cover both acquisition and renovation expenses, allowing efficient execution of business plans. We offer transparent fee structures, no pre-payment penalties, and competitive interest rates to provide Kentucky investors with the financial flexibility needed to systematically scale their real estate operations.

2 workers discussing fix and flip loan programs

New Construction
Loans

With Kentucky housing inventory reaching record lows, we provide hard money new construction loans allowing investors to borrow up to 90% of land value and 100% of construction costs, with interest rates starting as low as 9.99%–15%. Our loans are specifically designed for experienced investors and builders looking to scale their real estate business quickly. We deliver fast and reliable funding that helps you capitalize on market opportunities while maintaining the flexibility needed for successful project completion.

Contractor building a house with a new construction loan

Rental
Loans

We rank among Kentucky’s premier hard money lenders, offering sophisticated rental property financing with competitive rates starting from 5.75% and leverage options up to 80% LTV. Our specialized financing structures include multiple payment configurations—30-year amortization schedules, adjustable-rate mechanisms, and interest-only options—tailored to align with your unique investment objectives. Unlike conventional lenders, we provide investors with customized capital strategies designed to optimize cash flow and portfolio expansion for income-producing properties across Kentucky.

Rental property funded with dscr loans

Home of the Only True Zero-Point Program

  • No Pre-Pay Penalty
  • No Exit Fees
  • Available for All Experience Levels

Kentucky Real Estate Market Highlights

Median Sale Price
$277,100
As of 2026*
Median Days on Market
63 Days
As of 2026*
Monthly Homes Sold
3,476
As of 2026*
Icon - Sold Above Listing
Homes Sold Above Listing Price
15.7%
As of 2026*
Avg Fix & Flip Gross ROI
37.9%
As of 2026†
Avg Fix & Flip Gross Profit
$76,000
As of 2026†
 
 

Recently Funded

Check out some of our recent projects:

Real Reviews from Real Borrowers