Payson, AZBridge
$250,000
40+ Years of Excellence
Fast Hard Money Loans for Arizona & California Investors
Direct private lending for investors, builders, and business-purpose borrowers. Expect 24-hour decisions, typical closings in 3-5 days, and clear terms from a team that understands the asset and the exit.
24hr
Approval Time
3-5
Days to Fund
$5M
Max Loan Amount
0
Builder Years
Grand Funding in Numbers
Recently Funded Deals
A snapshot of speed + flexibility across AZ & CA.
Scottsdale, AZ2nd Position
$650,000
San Diego, CA2nd Position
$100,000
Goodyear, AZLand
$130,000
Honolulu, HIConstruction
$2,000,000
Gainy Ranch, AZFix & Flip
$950,000
Why Choose Grand Funding?
Direct lending for investors who need speed, clarity, and real construction perspective.
Lightning Fast
Approval decisions typically land within 24 hours, with many closings in 3-5 days when the file is ready.
$70K - $5M Range
From smaller infill deals to larger business-purpose projects, we structure capital around the asset and strategy.
Crystal Clear Terms
Transparent pricing, clear expectations, and straight answers before you commit.
40+ Years Experience
Builder and operator experience helps us underwrite real timelines, real budgets, and real project risk.
Loan Products Built for Action
Bridge, construction, fix-and-flip, land, cash-out, rental, and 2nd-position options structured around the property, timeline, and exit plan.
Fix & Flip Loans
Acquisition and rehab financing for investors who need to close fast, control renovation capital, and exit cleanly.
- Up to 90% ARV
- 6-18 month terms
- Interest-only payments
Best for: Value-add renovations and quick resales
Typical close: 3–7 days
Bridge Loans
Short-term capital for purchases, payoffs, and time-sensitive transitions before a sale or long-term refinance.
- Close in days
- Flexible terms
- No prepayment penalty
Best for: Fast acquisitions and transitional financing
Typical close: 3–5 days
Construction Loans
Ground-up and major renovation financing with draw structures shaped by real builder experience.
- New builds & renovations
- Milestone-based draws
- Up to $5M
Best for: Ground-up builds and major renovations
Typical close: 5–10 days
Cash-Out Refinance
Turn existing equity into fast capital for new acquisitions, project costs, or business-purpose liquidity.
- Up to 75% LTV
- Flexible equity access
- Fast closing
Best for: Unlocking equity for your next move
Typical close: 7–12 days
Land Loans
Finance raw land, infill lots, and development-ready parcels with underwriting centered on location, equity, and exit.
- Residential & commercial
- Up to 65% LTV
- Flexible terms
Best for: Raw land acquisition and future development
Typical close: 7–14 days
Investment Property Loans
Short-term financing for rental acquisitions, stabilizations, and value-add holds without conventional paperwork drag.
- DSCR-based approval
- No income docs
- 1-4 units
Best for: Buy-and-hold rentals and portfolio growth
Typical close: 5–10 days
Deal Spotlight
Recent Arizona and California transactions that show how we structure around timing, leverage, and execution.
Land Acquisition | Goodyear, AZ
$1,100,000 for a cold-storage land play
Prime industrial location minutes from the airport. Structured to help the borrower win the bidding war with a cash-equivalent close.
2nd Position Bridge | Arcadia, AZ
$450,000 short-term equity bridge
Unlocked equity from a booming neighborhood without sacrificing a once-in-a-lifetime first mortgage rate of 2.5%.
2nd Position Business Purpose | Santa Barbara, CA
$1,100,000 for salon and retail growth
Business-purpose second-position financing that gave the borrower room to grow a salon and retail shop without a full refinance.
Cash-Out Refi | Whisper Rock, AZ
$600,000 cash-out refinance
Structured for a Canadian national who needed fast liquidity for another business venture in the area while keeping the real estate strategy intact.
Land Loan | Palm Springs, CA
$140,000 for commercial development land
A land loan for a Palm Springs commercial development parcel positioned near Hilton and McDonald's, giving the borrower fast control of the site.
Rehab Loan | Chula Vista, CA
$200,000 to build an ADU
A rehab structure that helped fund an ADU build in Chula Vista, turning underused space into added residential value and flexible future income.
How It Works
A direct lending process built for time-sensitive real estate and business-purpose deals.
Step 1
Apply Online
Share the property, strategy, capital need, and timing. The more complete the picture, the faster we can respond with something useful.
- Send the address, purchase terms, or current equity position
- Add any rehab scope, budget, or supporting docs you already have
- We review the deal quickly and tell you what we need next
Step 2
Quick Approval
We underwrite the asset, leverage, and exit strategy so you get a practical yes, no, or next-step answer without weeks of drift.
- Clear structure, terms, and next steps
- Property-first review with real scenario feedback
- Fast communication so you can keep moving
Step 3
Get Funded
Once the file is ready, we move to documents, closing, and funding without unnecessary layers.
- Typical closings in 3–5 business days
- Flexible structures for bridge, land, construction, and 2nd position
- Responsive team through closing and payoff
Concierge Access
Book a 15-minute strategy call with the team.
Choose a day and time block and send the basics. We’ll confirm by email or phone so you can quickly understand fit, leverage, timing, and next steps before you invest more time.
15-minute strategy call
Arizona time windows
Netlify-backed booking request
Frequently Asked Questions
Clear answers on timelines, leverage, qualification, and how our Arizona and California lending process works.
What is a hard money loan?
+A hard money loan is short-term real estate financing based primarily on the asset, leverage, and exit strategy. It is commonly used by investors and business-purpose borrowers who need speed, flexibility, or a lender that can handle deals outside conventional guidelines.
How quickly can I get funded?
+Many borrowers receive an initial decision within 24 hours. Once the file is ready, closings commonly happen in 3 to 5 business days, and exceptionally simple deals can move faster.
What are your loan-to-value (LTV) limits?
+Leverage depends on the product and the deal. Typical structures go up to 90% ARV on fix-and-flip, around 75% LTV on bridge and cash-out, up to 80% of completed value on construction, and around 65% LTV on land.
Do I need good credit to qualify?
+Not necessarily. Credit matters, but it is usually not the primary driver. We focus first on the asset, equity position, and exit strategy, then weigh the rest of the file in context.
What types of properties do you finance?
+We finance single-family homes, condos, townhouses, multi-family properties, mixed-use buildings, retail centers, office buildings, industrial properties, and raw land. Both residential and commercial assets may fit depending on the deal.
Are there prepayment penalties?
+Most programs are built to let borrowers exit cleanly, and many do not carry prepayment penalties. If a program has one, we disclose it clearly before closing.
Grand Funding By The Numbers
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Loans Funded
0
Capital Deployed
0
Fastest Close
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Client Satisfaction
Ready to Fund Your Next Deal?
Share the deal and get a practical answer fast, with no obligation and no generic runaround.
Get Pre-Approved
Share the property, strategy, timeline, and capital need. We’ll respond with practical next steps, not canned follow-up.
Call
(602) 935-0371
Email
info@grandfundingllc.com
Service Areas
Phoenix
Scottsdale
San Diego
Los Angeles