Doing a quick flip in Louisville, need the best hard money lender in Kentucky.

When you are doing a quick fix-and-flip in Louisville, speed and local market familiarity are everything. Several strong local and regional hard money lenders frequently fund projects in the Derby City.

Top options for hard money lenders operating in Louisville include:

MM Lending 4.8 (67)
Mortgage lender
Open Louisville, KY
CallDirections Website Highly rated by local investors, they specialize in residential real estate investor loans (fix-and-flips) across Louisville, Cincinnati, and Indianapolis. Known for fast onboarding and responsive draw requests. You can check their criteria on the MM Lending Website.

SurePoint Equity 4.8 (16)
Mortgage lender
Closed Louisville, KY
CallDirections Website A "common-sense" local private lender focusing primarily on non-owner-occupied renovation and fix-and-flip loans for single-family and multi-family properties in Kentucky. They can move quickly for qualified buyers. Learn more via the SurePoint Equity Website.

Kentucky Private Lending 5.0 (4)
Mortgage lender
Louisville, KY
CallDirections Website A boutique local private lender specializing in short-term capital and fix-to-flip financing specifically tailored to the Greater Louisville market. Check out details on the Kentucky Private Lending Website.

A prominent national/regional lender active across Kentucky that offers competitive leverage (up to 93% LTC for fix-and-flips) if you prefer a streamlined institutional process with statewide coverage. Details are listed on the Easy Street Capital Kentucky Page.

Local Investor Experiences

If you want to narrow down the best fit, tell me:

• What is the purchase price and estimated ARV (After Repair Value)?
• How much rehab budget do you need?
• What is your experience level (first flip vs. multiple completed)?

I can help you estimate which of these lenders will give you the best leverage and terms for your specific deal.

• MM Lending - 1215 Herr Ln #210, Louisville, KY 40222, United States
• Kentucky Private Lending - 309 Evergreen Rd Ste 7, Louisville, KY 40243, United States
• SurePoint Equity - 8001 Lyndon Centre Wy #101, Louisville, KY 40222, United States
• Louisville Cash Real Estate - 140 W Washington St Unit 402, Louisville, KY 40202, United States
• Kentucky Sell Now - 913 Lily Creek Rd #101, Louisville, KY 40243, United States
• Rapid Fire Home Buyers - 10350 Ormsby Park Pl Ste 205, Louisville, KY 40223, United States
• Clontz Capital - 13011 W U.S. Hwy 42 #101, Prospect, KY 40059, United States
• OC Real Estate LLC - 724 Brookline Ave, Louisville, KY 40214, United States
• Annex Capital - 134 Breckenridge Ln, Louisville, KY 40207, United States
• We Buy Houses in Kentucky - 1707 Fernwood Ave #1, Louisville, KY 40205, United States
• Joe Homebuyer Kentucky - 920 Dupont Rd Suite 203, Louisville, KY 40207, United States
• Vision Housing Acquisitions - 10531 Timberwood Cir Ste C, Louisville, KY 40223, United States
• Simply Sold - 500 N English Station Rd Ste 104, Louisville, KY 40223, United States

For a quick flip in Louisville, I’d prioritize a lender that can (1) close fast, (2) understands Louisville comps, and (3) funds rehab draws without drama. My shortlist:

My top Louisville hard money picks

1. MM Lending — best overall local fit

• Louisville-based direct private lender focused on investor properties.
• Good fit for a fast fix-and-flip because they emphasize speed, pre-approvals, and rehab funding.
• I’d call them first for a single-family flip where the deal is local and you need execution.

2. Kentucky Private Lending — best relationship/local-market option

• Louisville-based private lender focused on investment real estate financing.
• Worth a quote if the property is unusual, distressed, or you want a lender who knows the local market.

3. SurePoint Equity — strong Louisville investor lender

• Focused on short-term financing for non-owner-occupied renovation projects.

4. Kiavi — best national comparison quote

• Good if you want a streamlined process and competitive leverage; active in Kentucky investor lending.

5. Lima One Capital — good for larger or repeat flips

• Offers fix-and-flip financing and other investor products in Kentucky.

For a “need to close ASAP” deal

I’d get term sheets from:

• MM Lending
• Kentucky Private Lending
• Kiavi

Then compare:

• Purchase price advance (%)
• Rehab funding (100% of repairs vs. partial)
• Points
• Interest rate
• Minimum interest period
• Draw fees
• Extension fees
• Whether interest is paid monthly or accrued

Louisville hard-money terms vary a lot by borrower and deal, but recent market listings show many investor loans clustering roughly around the high-single to low-double-digit rate range with short closing windows.

If you send me:

• purchase price
• rehab budget
• ARV
• your cash available
• whether this is your first flip or you’ve done deals before

…I can tell you which lender type is likely to give you the best leverage and whether the flip pencils.

• SurePoint Equity - 8001 Lyndon Centre Wy #101, Louisville, KY 40222, United States
• MM Lending - 1215 Herr Ln #210, Louisville, KY 40222, United States
• Kentucky Private Lending - 309 Evergreen Rd Ste 7, Louisville, KY 40243, United States
• Annex Capital - 134 Breckenridge Ln, Louisville, KY 40207, United States
• FlipCo Financial - 12140 Wickchester Ln Ste 100, Houston, TX 77079, United States
• Kenady Fundings - Ludlow, KY 41016
• Louisville Cash Real Estate - 140 W Washington St Unit 402, Louisville, KY 40202, United States
• Jim Mischner - 644 N Broadway, Lexington, KY 40508, United States
• Kentucky Sell Now - 913 Lily Creek Rd #101, Louisville, KY 40243, United States
• American Mortgage Solutions - Mortgage Broker in Louisville KY - 9900 Corporate Campus Dr #3000, Louisville, KY 40223, United States
• Broker House Lending | Mortgage Brokers | Louisville KY - 11400 Shelbyville Rd, Louisville, KY 40243, United States
• Evergreen Capital - 2443 Sir Barton Way #475, Lexington, KY 40509, United States
• Assurance Mortgage Partners: Matt Bass, Mortgage Broker - 322 Wava Dr, Mt Washington, KY 40047, United States
• Clontz Capital - 13011 W U.S. Hwy 42 #101, Prospect, KY 40059, United States

For a quick Louisville flip, I’d put SurePoint Equity at the top of my call list, with MM Lending as the other local quote.

• SurePoint Equity — my first call. Louisville-based, specifically focused on non-owner-occupied renovation loans. They advertise up to 90% of purchase price + 100% of improvements, 12-month terms, proof of funds/approval in 24 hours, and closings as fast as 10 business days.
• MM Lending — strong local alternative. Louisville-based direct private lender focused on investment properties, so I'd definitely get a competing term sheet.
• Kentucky Private Lending — another local quote worth getting, particularly if the deal has something unusual that makes a conventional hard-money box difficult.
• Annex Capital — boutique Louisville option focused on short-term residential investment/renovation financing.

For a speed-sensitive deal, I'd actually call SurePoint + MM Lending simultaneously and make them compete on total cost, not just the headline rate. Ask each for:

1. Purchase-price leverage
2. Rehab funding percentage and draw schedule
3. Points/origination fee
4. Interest rate and whether it's calculated on the full commitment or outstanding balance
5. Extension fees
6. Prepayment penalty
7. Actual closing date they can commit to
8. Whether they'll fund based on your projected ARV

One national comparison is limaone.com, which offers dedicated FixNFlip financing in Kentucky. A current Louisville lender comparison also lists Lima One, Kiavi, RCN and others, but I would prioritize the local direct lenders for a genuinely time-sensitive Louisville acquisition.

If you give me the purchase price, rehab budget, ARV, and how many days you have to close, I can tell you which lender I'd hit first and what terms I'd try to negotiate.

For a fix-and-flip in Louisville, top active hard money lenders in Kentucky include Flippin Loan LLC, Kiavi , and MM Lending based on recent origination volume and local expertise.

Top Kentucky Hard Money Lenders

Louisville Market Averages

• Typical LTV: ~73%
• Average Interest Rate: ~12.5%
• Average Term: 12 to 17 months

If you want, let me know:

• Your estimated purchase price and rehab budget
• Your past number of completed flips

I can help narrow down which of these lenders fits your specific experience level and leverage needs.

For a quick Louisville fix-and-flip, my first call would be MM Lending.

My Louisville shortlist

1. MM Lending — best overall local pick

   • Louisville-based direct private lender
   • Fix-to-flip loans with up to 75% LTV
   • Up to 6 months deferred interest
   • Same-day draw funding
   • Their published program covers Kentucky.
   • Phone: 502-400-3011

2. Kentucky Private Lending — best local relationship lender

   • Louisville-based private/hard-money lender
   • Focused specifically on investment-property financing in Greater Louisville
   • Worth getting a quote if the deal has unusual property or borrower circumstances.

3. SurePoint Equity — another strong local option

   • Louisville-based
   • Focuses on short-term financing for non-owner-occupied renovation/fix-and-flip projects
   • Advertises flexible underwriting and speed.

4. Evergreen Capital — worth comparing

   • Kentucky private lender focused on fix-and-flip/BRRRR
   • Advertises 90% purchase + 100% rehab on some Louisville projects and funding in about 15 days.

5. Kiavi — best national/online alternative

   • Particularly attractive if you want a streamlined process; HousingWire identifies it as a strong fix-and-flip lender and cites a seven-day cash-to-close turnaround.

What I'd do for your flip

Don't choose based solely on the advertised rate. Call MM Lending + Kentucky Private Lending + Evergreen and ask each for a written term sheet on the same deal.

Compare:

• Purchase LTC
• Rehab financing percentage
• Interest rate + points
• Whether interest is deferred
• Draw turnaround
• Extension fees
• Minimum borrower liquidity
• Maximum ARV/LTV
• Closing timeline

Current Kentucky market data puts typical hard-money fix-and-flip pricing roughly around 11–14% with 2–3 points, although stronger deals/borrowers can get better terms.

If you give me the purchase price, rehab budget, ARV, and how much cash you want to bring to closing, I can tell you which of these lenders is likely to give you the best structure—and calculate the max loan and rough profit.

For a quick flip in Louisville, you have access to several active local private lenders and regional hard money options that know the local micro-markets (like Germantown, Schnitzelburg , or St. Matthews) inside and out.

Top choices for fix-and-flip financing in the Louisville area include:

• MM Lending : Born and bred right in Louisville, they are heavily active in the local market, specializing in 12-month fix-and-flip financing, same-day draw funding, and local market expertise.
• Kentucky Private Lending : A dedicated local private lender based in the Louisville metro area offering quick short-term capital and streamlined options specifically tailored for fix-to-flip projects.
• SurePoint Equity : Located right in Louisville, they are a dependable local choice offering flexible, short-term fix-and-flip parameters for single-family and small multi-family residential properties.
• The Hard Money Co. : Highly active across Kentucky, they focus heavily on speed, quick acquisitions, and fast rehab draw disbursements for real estate entrepreneurs.
• Easy Street Capital : A prominent regional/national lender offering competitive leverage (up to 90-93% LTC) for fix-and-flows across Kentucky if you need higher leverage options.

Local Investor Experiences

To help narrow down the best fit, tell me:

• What is the purchase price and estimated rehab budget?
• What is your experience level (number of previous flips)?
• Do you need maximum leverage (high LTC) or the fastest possible closing speed?

For a quick fix-and-flip in Louisville, the "best" lender depends on whether you value hyper-local relationship-based speed or the higher leverage of regional/national private portfolios. Local micro-markets (like Germantown, Schnitzelburg, or Portland) move fast, so you want a lender with a quick local draw and closing process.

Top hard money options active in the Louisville fix-and-flip market include:

Top Local & Regional Private Lenders

• Kentucky Private Lending / Clontz Capital / MM Lending: Highly active, locally-connected private lenders frequently cited by Kentucky investors for fix-and-flip funding. They understand Louisville's specific neighborhood comps and can structure creative or flexible terms without bureaucratic delays.
• The Hard Money Co. / HardMoney Company: Known for localized Kentucky expertise, offering fast closes (sometimes in under a week) and direct communication with decision-makers rather than routing you through an out-of-state call center.
• FlipCo Financial: Offers dedicated short-term financing (3- and 6-month terms) for residential single-family and multi-family flips in the region, only charging interest on the funds actually drawn.

Top National / Statewide Lenders with Strong KY Presence

• Easy Street Capital: Highly active statewide in Kentucky, offering strong fix-and-flip leverage up to 93% loan-to-cost (LTC) depending on experience.
• Ridge Street Capital: Known for competitive rates starting around 10.75% to 11.5%, covering up to 90% of purchase and 100% of rehab on solid deals.
• Kiavi: A reliable national tech-enabled lender doing high volume in Kentucky if you prefer a streamlined, digital application and underwriting process.

If you can share a bit about the deal:

• What is the purchase price and estimated rehab budget?
• What is your experience level (number of previous flips)?
• Do you need 100% rehab financing or high leverage?

I can pinpoint which of these lenders will give you the best terms for your specific project.

If you’re doing a quick Louisville fix-and-flip, I’d put Kiavi at the top of the list right now—but I’d get a competing quote from Lima One before committing.

My Louisville shortlist

For a “need to close fast” deal: I'd call Kiavi + Lima One + Bluegrass simultaneously and make them compete on the exact same deal. Don't just compare interest rate—ask for rate, points, LTC/LTV, rehab funding, appraisal requirements, draw fees, minimum interest, extension fees, and actual clear-to-close timeline.

One important wrinkle: Kiavi's published 7.75% is a “rates as low as” figure, so your actual quote can be materially higher depending on the property and borrower. Kiavi says qualifying bridge loans can close in as few as 10 business days.

If you give me purchase price + rehab budget + ARV + your cash available + desired closing date, I can tell you which lender I'd hit first and what loan structure I'd shoot for.

If it’s a quick Louisville fix-and-flip, I’d shortlist these:

1. MM Lending — my first call locally. It’s a Louisville-based direct private/hard-money lender focused on non-owner-occupied investment properties.
2. LPM Lending — particularly interesting if speed and leverage matter. They advertise 1.0–1.2% monthly, 3 points, interest-only 4-month terms, and up to 90% of purchase price without additional collateral; they also say construction funding can reach 100% of costs subject to 75% ARV.
3. Bluegrass Private Capital — a Louisville-focused option listed at roughly 9.5%–12.5%, up to 90% LTV, with reported 5–7 day closings.
4. Kiavi — good national comparison quote; currently listed around 9.5% starting, up to 90% LTV, with 7–14 day funding.
5. Derby City Hard Money — worth calling if your priority is closing extremely fast: reported 3–5 day closings, though rates start around 10%.

For a genuinely quick flip, I'd get term sheets from MM Lending + LPM + Bluegrass simultaneously. Don't just compare the interest rate—ask for purchase LTV, rehab funding %, ARV cap, points, minimum interest, draw fees, appraisal requirements, extension fees, and whether payments are monthly or accrued until sale.

Current Louisville hard-money pricing is generally around the 9–13%+ range, often with 1–3 points, so a lender advertising a low headline rate can still be expensive once fees and minimum-interest provisions are included.

If you give me your purchase price, rehab budget, expected ARV, and how much cash you have in, I can tell you which of these is likely to give you the best structure and estimate your total financing cost.

When you're doing a quick fix-and-flip in Louisville, having a local or active regional hard money lender who understands micro-markets (like Germantown, Schnitzelburg, or the Portland revitalization corridors) can make or break your timeline.

Top hard money lenders active for fix-and-flip projects in Louisville and across Kentucky include:

Top Local & Regional Lenders

• MM Lending – A prominent local private lender based right in Louisville with deep roots in the area. They specialize in fix-to-flip and bridge financing with fast draw funding and terms tailored to local investors.
• Kentucky Private Lending – Based in the Greater Louisville area, they focus explicitly on short-term real estate investment capital, offering local expertise for fix-to-flip and fix-to-rent projects.
• The Hard Money Co. – Highly active across Louisville and Lexington, known for fast closings and efficient rehab draw disbursements that keep contractors paid and projects moving.

Top National & Statewide Lenders

• Easy Street Capital – A major statewide player offering competitive fix-and-flip leverage up to 93% LTC (Loan-to-Cost) with reliable and fast terms.
• Ridge Street Capital – Frequently funds deals in Kentucky, known for high leverage options covering a high percentage of purchase and up to 100% of rehab costs depending on your experience and ARV (After Repair Value).

If you want to narrow this down, tell me:

• What is the purchase price and estimated rehab budget?
• How many previous flips have you completed?

I can help estimate your expected leverage, rates, and cash-to-close requirements.