Payson, AZBridge
$250,000
40+ Years of Excellence
Fast Hard Money Loans for Arizona & California Investors
Get funding in 3-5 days. $70K to $5M. Fix & flip, construction, bridge loans, and more. No BS, just results.
24hr
Approval Time
3-5
Days to Fund
$5M
Max Loan Amount
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?
We make real estate financing simple, fast, and transparent
Lightning Fast
24-hour approval decision. Close in 3-5 days. We move at the speed of your deals.
$70K - $5M Range
Flexible loan amounts to match any project size. From single-family to commercial.
Crystal Clear Terms
No hidden fees. No surprises. Just straightforward lending you can understand.
40+ Years Experience
Former builders who understand construction timelines, budgets, and what can go wrong.
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.
- 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 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
- Up to $5M
Best for: Ground-up builds and major renovations
Typical close: 5–10 days
Cash-Out Refinance
Unlock equity for new investments or debt consolidation.
- Up to 75% LTV
- Owner-occupied OK
- 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
- Up to 65% LTV
- Flexible terms
Best for: Raw land acquisition and future development
Typical close: 7–14 days
Investment Property Loans
Financing for rental properties and income-generating real estate.
- DSCR-based approval
- No income docs
- 1-4 units
Best for: Buy-and-hold rentals and portfolio growth
Typical close: 5–10 days
How It Works
A fast, transparent path from idea to funded deal
Step 1
Apply Online
Submit your deal basics in minutes. We care about the property, the plan, and the timeline.
- Tell us the address + your strategy
- Upload any docs you already have
- We respond quickly, no ghosting
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
What is a hard money loan?
+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.
How quickly can I get funded?
+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.
What are your loan-to-value (LTV) limits?
+Our LTV ratios vary by loan type: Fix & Flip loans up to 90% ARV, Bridge Loans up to 75% LTV, Construction Loans up to 80% of project cost, Land Loans up to 65% LTV, and Cash-Out Refinance up to 75% LTV.
Do I need good credit to qualify?
+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.
What types of properties do you finance?
+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.
Are there prepayment penalties?
+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.
Grand Funding By The Numbers
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Loans Funded
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Capital Deployed
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Fastest Close
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Client Satisfaction
Ready to Fund Your Next Deal?
Get pre-approved in 24 hours. No obligation, no BS.
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