Arizona Hard Money Loans — 24-Hour Approval, 3–5 Day Funding
From Phoenix to Flagstaff, Grand Funding closes deals fast. $70K–$5M for fix & flip, bridge, construction, and cash-out. Direct private lender — no middlemen, no runaround.
Why do Arizona investors choose Grand Funding?
Direct lender advantages that make a real difference on your deals
Close Before the Competition
Arizona's best deals don't wait. We give you a same-day term sheet so you can move with confidence before anyone else.
Direct Lender = No Delays
No brokers, no committees, no approval chains. Grand Funding makes decisions in-house — you talk to the decision-maker directly.
Builder Mentality
40+ years as former builders means we understand your project timeline, your budget risks, and what makes a deal pencil out in Arizona.
Credit Not the Focus
We evaluate the deal — not just your FICO. Property value, your equity, and a clear exit strategy are what matter most.
Recent Arizona Deals We've Funded
Real deals, real markets, real speed
How Arizona Hard Money Lending Works
Three steps from application to funded. No maze, no mysteries.
Submit Your Deal
Fill out our short online form with your deal basics — property address, loan type, amount, and exit strategy. Takes about 10 minutes.
~10 minutesGet Your Term Sheet
We review property value, equity, and your plan — not just credit. You get a clear term sheet within 24 hours. No surprises.
Within 24 hoursClose & Get Funded
Sign docs, fund through title. Most Arizona loans close in 3-5 business days. Then you execute your strategy.
3–5 business daysWhat should Arizona investors know about hard money loans?
Common questions from Arizona real estate investors
What is a hard money loan in Arizona?
+A hard money loan in Arizona is a short-term, asset-based loan secured by real estate — not your credit score or income history. Grand Funding evaluates the property's value and your exit strategy. This makes hard money ideal for Arizona investors who need fast financing for fix & flip, bridge, construction, or cash-out deals.
How fast can I get funded in Arizona?
+We provide loan decisions within 24 hours of receiving a complete application. Most Arizona loans close and fund within 3–5 business days. For clean, straightforward deals, we've closed in as little as 48 hours.
What Arizona cities does Grand Funding serve?
+We serve borrowers statewide in Arizona: Phoenix, Scottsdale, Tempe, Mesa, Gilbert, Chandler, Glendale, Peoria, Surprise, Tucson, Flagstaff, Sedona, Payson, Prescott, Yuma, Lake Havasu City, and surrounding communities.
What are your loan amounts and LTV limits in Arizona?
+We offer Arizona hard money loans from $70,000 to $5,000,000. LTV limits vary by loan type: Fix & Flip up to 90% ARV, Bridge up to 75% LTV, Construction up to 80% of project cost, Land up to 65% LTV, and Cash-Out Refinance up to 75% LTV.
Do I need perfect credit to qualify?
+No. We look at the property value, your equity position, and your exit strategy — not just your FICO score. Arizona borrowers with credit scores as low as 550 may qualify depending on the deal structure and equity.
Are there prepayment penalties on Arizona hard money loans?
+Most of our loan products have no prepayment penalty. You can pay off the loan early when your project sells or refinances without additional fees. Any prepayment terms are clearly disclosed before closing.
Ready to Fund Your Arizona Deal?
Get pre-approved in 24 hours. No obligation, no hard credit pull.
Funded fast. Repeatedly.
Real investors, real closes — across Arizona and California.
Logan picked up on the first ring at 7pm. Term sheet that night, funded in 4 days. My deal would have died with anyone else.
Direct lender means direct answers. No back-and-forth with underwriters. Logan said yes, then it was done.
I needed cash-out on a rental in 5 days for another acquisition. Grand Funding closed in 3. Saved the second deal.
Quick estimate. Real numbers in 24 hours.
Estimate only. Interest-only assumed. Origination, rate, and final loan-to-value depend on property, deal quality, and exit strategy. Logan reviews every deal personally — call (602) 935-0371 to talk specifics.
