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Direct Private Lender · Arizona + California
Fast Hard Money Loans for Arizona & California Investors
Rates, points, loan sizing, leverage, and final terms are provided only after Grand Funding reviews the specific transaction. This website is not a commitment to lend.
Have a deadline? Call Logan directly. Still sizing the deal? Send the basics for real terms.
24hr
Approval Time
3-5
Days to Fund
Custom
Loan sizing
Real Deals. Real Timelines.
Recently Funded Deals
Explore the financing scenarios behind the numbers.
24-hr Approval DecisionDirect Private Lender40+ Years ExperienceFund in 3–5 Days
Founder & Direct Lender
Meet Your Lender
Logan Sullivan personally reviews every deal.
No call centers. No layered approvals. When you call Grand Funding, you talk to the person who decides whether your deal funds.
Four decades of real estate, lending, and development experience. As a former builder and developer himself, Logan understands what investors actually need: speed, certainty, and a straight answer. If your deal makes sense, you'll know within 24 hours.
- 40+ Years Experience
- Direct Private Lender
- Loan sizing: Determined after deal review
Project Snapshot
Run the property numbers before you call.
Based only on the values you enter
$120,000
Estimated gross project spread
Purchase price
$450,000
Renovation budget
$80,000
Total planned cost
$530,000
Expected value after work
$650,000
Planning tool only. It does not estimate a loan amount, rate, points, fees, leverage, approval, or final terms. Contact Logan at (602) 935-0371 for a transaction-specific review.
Loan Products Built for Action
Whatever your real estate strategy, we've got the financing to match
Fix & Flip Loans
Fast funding for property renovation and resale. Cover acquisition and rehab costs.
- leverage determined after review
- 6-18 month terms
- Interest-only payments
Best for: Value-add renovations and quick resales
Typical close: 3–7 days
Bridge Loans
Short-term financing to close quickly before securing permanent financing.
- Close in days
- Flexible terms
- No prepayment penalty
Best for: Fast acquisitions and transitional financing
Typical close: 3–5 days
Construction Loans
Ground-up construction and major renovation financing with draw schedules.
- New builds & renovations
- Milestone-based draws
- Loan sizing: Determined after deal review
Best for: Ground-up builds and major renovations
Typical close: 5–10 days
Cash-Out Refinance
Unlock equity for new investments or debt consolidation.
- leverage determined after review
- Case-specific occupancy review
- Fast closing
Best for: Unlocking equity for your next move
Typical close: 7–12 days
Land Loans
Finance raw land acquisition for future development.
- Residential & commercial
- leverage determined after review
- Flexible terms
Best for: Raw land acquisition and future development
Typical close: 7–14 days
Second Position Loans
Access eligible property equity without replacing an existing first mortgage.
- Existing first may remain
- Case-specific lien review
- Loan sizing after direct review
Best for: Accessing equity while preserving an existing first mortgage
Typical close: 7–10 days
The Difference
Investors choose us when banks say no — and other lenders say slow.
| Grand Funding | Typical Hard Money | Traditional Bank | |
|---|---|---|---|
| Approval | 24 hours | 3-7 days | 30-60 days |
| Funding | 3-5 days | 7-14 days | 30-90 days |
| Income docs | None — asset-based | Sometimes | W-2s, tax returns |
| You talk to | Logan, the lender | Layers | A committee |
| Geographic focus | AZ & CA | Varies | Often regional |
How It Works
A fast, transparent path from idea to funded deal
Step 2
Quick Approval
Underwriting that makes sense. We focus on value, equity, and a clear exit.
- Clear terms and next steps
- Property-first evaluation
- Fast answers so you can move
Step 3
Get Funded
Close and fund in days, not weeks. Then you execute.
- Typical close: 3–5 business days
- Flexible structures for real deals
- We stay responsive through closing
Frequently Asked Questions
Quick answers to common questions
A hard money loan is a short-term, asset-based loan secured by real estate. Unlike traditional bank loans that focus heavily on credit scores and income verification, hard money lenders primarily evaluate the property's value and your exit strategy. This makes them ideal for real estate investors who need fast funding for time-sensitive deals.
We provide loan decisions within 24 hours of receiving a complete application. Once approved, most loans close and fund within 3-5 business days. For exceptionally straightforward deals, we've closed in as little as 48 hours.
Rates, points, loan sizing, leverage, and final terms are provided only after Grand Funding reviews the specific transaction. This website is not a commitment to lend.
Credit is considered but not the primary factor. We focus more on the property value, your equity position, and your exit strategy. Borrowers with credit scores as low as 550 may qualify depending on the deal structure and down payment.
We finance single-family homes, condos, townhouses, multi-family properties (2-4 units), mixed-use buildings, retail centers, office buildings, industrial properties, and raw land. Both residential and commercial properties are eligible.
Most of our loan products have no prepayment penalty, allowing you to pay off the loan early without additional fees. Some specialized programs may have minimal prepayment terms - we'll clearly disclose any such terms before closing.
What Investors Say
Real deals. Real borrowers. Real results.
Logan moved faster than anyone I've worked with. Had terms the same day I called, closed the bridge loan in 4 days. That deal would have fallen apart with a traditional lender. This is why I keep coming back.
I had a contractor bail mid-project and needed a construction draw restructured fast. Most lenders would've called the loan. Grand Funding actually understood the build and worked with the new timeline. Closed the project and made good money.
I was under contract in San Diego with 10 days to close. My bank couldn't move in time. Grand Funding got me approved in 24 hours, funded in 5 days. Straight shooters — no games, no bait-and-switch on the rate.
Investor Education
Learn Before You Fund
Guides from Logan Sullivan on structuring and closing real estate investment loans in Arizona and California.
Get Pre-Approved
Send the basics. We'll respond fast with real terms and clear next steps.
Call
(602) 935-0371Service Areas
Phoenix Scottsdale San Diego Los Angeles