Our mission is to be the most reliable funding source for today’s dynamic Real Estate investor.

Unlock Capital

Who We Are

Unlock Capital’s mission is to be the most reliable funding source for today’s dynamic Real Estate investor. Simple, right?

Hi, I’m Adlai Richards, a mortgage professional with over 21 years of experience helping homeowners and investors secure the funding they need for their investment property acquisitions. Whether you are looking for a fix and flip loan, a bridge loan or a 30yr rental loan, I can help you navigate the current mortgage market and secure the best possible terms for your situation.

As a Lender, I can match you with the best loan that meets your specific needs and goals, saving you time and money. I will also assist you with the entire mortgage process, from application to closing, and provide you with expert advice and guidance along the way.

My goal is to provide you with exceptional service and personalized attention. I value your trust and satisfaction, and I will always put your interests first. I will create an action plan to achieve your RE investment goals, answer your questions, and communicate with you regularly throughout the process. I will also work closely with your real estate agent, appraiser, underwriter, and closing agent to ensure a smooth and timely transaction.

If you are ready to take the next step, please contact me today for a free consultation. I would love to hear from you and help you achieve your real estate investment goals.

Our Loan Products For Our Real Estate Investors

Fix & Flip Purchase Loans

Short Term Bridge Loans

30 Year Rental Loans

New Construction Loans

Have a Project? We would Love to Learn More.

Get in Touch

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Client Reviews

WJ, Ohio.
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Adlai Richards has been funding my deals for the past four years now and he has gotten me to the finish line every time. He also takes the extra step in showing me all of my options before choosing the perfect fit. We have done well over $4 million in funding. In my opinion, Adlai is one of the tops in the industry. I would highly recommend using him for your funding needs as well as his professional guidance and insight in the ever-changing market.
AB, NC
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I used Adlai for a few flip projects in the past. He was quick, knowledgeable and professional. I will continue to use him for my projects and I would recommend Mr. Richards.
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