Wildcat Lending is now Crebrid—powered by a new partnership with Barings. Press release here.

Kentucky Hard Money Lender

Looking for quick and reliable financing for your real estate investments in Kentucky? Crebrid specializes in fast, flexible hard money loans to keep your projects on track. With same-day approvals, interest-only payments, and loans that close in just 3–5 business days, we provide the capital you need to move quickly and confidently. Whether you're flipping in Louisville or developing in Lexington, rely on us to get your deals done without delay.

Hard Money Lending in Kentucky

As a trusted hard money lender in Kentucky, Crebrid offers streamlined loan solutions that are fast, flexible, and tailored to real estate investors. Whether you're funding fix-and-flip projects in Louisville, securing bridge loans in Lexington, or purchasing investment properties across Bowling Green and Covington, we make the process simple and fast.

We provide an efficient way to secure funding, allowing you to seize investment opportunities quickly and without the typical delays of traditional financing. With Crebrid, you can focus on your project, knowing your financing is in good hands.

What is a Hard Money Loan?

A hard money loan (also known as a residential transition loan “RTL”) from Crebrid is a short-term loan secured by real estate, offering a faster, more flexible alternative to traditional bank financing. These loans are ideal for investors looking to leverage their property's value instead of their personal income or credit history. Our hard money loans come with competitive rates and repayment terms, ensuring you can access the capital you need to grow your portfolio in Kentucky.

Hard money loans provide the speed and flexibility you need to finance fix-and-flip projects, new construction, or refinancing, allowing you to stay competitive in the fast-moving Kentucky real estate market.

Cities We Serve in Kentucky

Crebrid offers quick and reliable hard money loan rates for real estate investors in Kentucky. Find financing tailored to your investment needs in the following cities:

Louisville
Lexington
Bowling Green
Owensboro
Covington
Richmond
Georgetown
Florence

Loan Options

Explore Crebrid's diverse range of short-term real estate financing solutions, designed for Kentucky investors:

Fix & Flip Loans

Finance the purchase and renovation of properties with loans based on the After-Repaired Value (ARV), ideal for Kentucky’s competitive markets. This loan option is perfect for investors who need capital quickly to renovate and sell properties for a profit.

Learn More
Bridge Loans

Secure fast funding to close on investment properties while you finalize long-term financing. Bridge loans are perfect for investors needing to act quickly while they prepare for a more permanent financial structure.

Learn More
New Construction Loans

Get funding for ground-up development projects in Kentucky’s growing metro areas. Whether you’re building single-family homes or multi-unit properties, we offer tailored loans to help your project succeed from start to finish.

Learn More
Refinance Loans

Access equity from your existing properties or restructure short-term loans into more favorable terms. Our refinance loans offer flexibility and help investors manage their portfolios efficiently.

Learn More

How Our Process Works in Kentucky

At Crebrid, we specialize in Fix-and-Flip loans based on After-Repaired Value (ARV). We finance up to 90% of your project costs, giving you the capital to tackle renovations and complete projects on time. With our clear underwriting, direct communication, and tech-driven platform, your funding stays on track. We’re committed to delivering reliable funding to Kentucky investors, whether you’re flipping houses in Louisville or building new properties in Lexington.

Crebrid’s proven process ensures on-time closings, clear draws, and transparent terms that keep your projects running smoothly. With 75 years of combined experience, we know what it takes to anticipate challenges in the Kentucky market and help investors close deals efficiently.

Technology that accelerates deals, not paperwork.

Apply quickly, get real-time loan pricing, and generate detailed term sheets instantly. Our AI-driven underwriting and automated processes shorten timelines, providing clear visibility through an easy-to-use borrower dashboard.

Institutional capital. Kentucky-focused expertise.

Backed by institutional funding and capital market partners, we offer the scale and stability your project needs, combined with in-depth knowledge of Kentucky’s real estate market. We’re here to support you through all market conditions.

Clear terms. You control the deal.

Choose your leverage, loan term, and fee structure based on your project’s requirements. Every cost is upfront—rates, points, fees, draw schedules, and timing—so you always know exactly what to expect.

Kentucky closings. Fast and local support.

From Louisville to Lexington, we ensure smooth attorney closings, prompt inspections, and same-day draw decisions when possible. You’ll always be informed about the next step and who’s managing your deal.

The results.

Real estate loans built for Kentucky investors, designed to close quickly, keep your projects funded, and deliver institutional-grade performance without unnecessary hassle.

They Hit Submit. We Did the Rest.

01 / 00
Steve Jones
 - Fargo, ND

Thanks to Crebrid, my partner and I were able to complete our renovations quickly and get our investment property on the market in no time at all.

Bella Investments

Fantastic service from William at Crebrid! He ensured my draw requests were processed smoothly and efficiently, with great attention to detail and communication. Truly professional and dedicated—highly recommend for any lending needs!

Alicia Berridge
 - St. Louis / California

I’ve worked with Crebrid on four transactions since November 2023, and they’ve been exceptional every step of the way—from lending and insurance to rehab and answering all my questions. They’re professional, reliable, and ethical—especially in the hard money space. Big shoutout to Jack, my rep, for your patience and support. You’re the best. Love this team!

Submit Your Kentucky Deal Today

Explore Rates

Kentucky Real Estate Market Insights

Kentucky is advancing at a steady clip statewide, with Louisville outpacing the state on price growth:
  • Statewide prices: The median sale price hit $279,200 in August 2025 (+5.8% YoY) and 44 days on market. That tempo supports longer renovation windows without excessive carrying risk.
  • Louisville lead: Louisville posted a $275,000 median (+8.9% YoY) with a 31-day median to sell. Above-state growth and healthy absorption favor infill new construction and turnkey rentals; review Louisville’s trendline on Redfin to target neighborhoods with improving time-to-close.

Explore More States Across the Country

Crebrid provides hard money loans to clients across the USA.

Available
Unavailable
ALAKAZARCACOCTDEFLGAHIIDILINIAKSKYLAMEMDMAMIMNMSMOMTNENVNHNJNMNYNCNDOHOKORPARISCSDTNTXUTVTVAWAWVWIWY

Additional Resources

News , Investment

How to Scale from One Flip to Multiple Properties Successfully

08.25.2025
Landing your first flip is just the beginning. To scale successfully, investors need systems, reliable teams, and structured financing. By standardizing processes, building strong partnerships, diversifying deals, and planning exits in advance, you can grow your portfolio strategically while protecting profits.
News , Loans

Using Data to Forecast Market Trends and Time Your Flip

08.25.2025
Successful flips aren’t about luck—they’re about timing. By analyzing local sales trends, inventory levels, and broader economic factors, investors can predict market shifts and plan their buy-renovate-sell strategy with confidence. Data-driven timing turns risk into opportunity and maximizes ROI.
News , Investment

The Most Overlooked Steps in Property Due Diligence

08.25.2025
Smart real estate investors know due diligence goes far beyond inspections and comps. From zoning rules and property history to neighborhood trends and hidden costs, uncovering these often-overlooked details protects your ROI and helps you make confident investment decisions.

Kentucky Real Estate Investing FAQs

Got questions about hard money loans in Kentucky? Whether you're an experienced investor or just starting out, we've compiled answers to the most common questions. This section is designed to clarify the process and guide you through working with Crebrid for your real estate projects in the Bluegrass State.

Interest rates vary depending on your project, but Crebrid offers competitive rates for investors in Kentucky. We work with each borrower to find the best terms based on their specific investment needs.