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. Grand Funding evaluates the property value and your exit strategy, not your tax returns or employment history. This makes it ideal for Arizona investors who need fast financing for fix & flip, bridge, or construction projects.

How fast can I get a hard money loan in Arizona?

Arizona hard money loans can be approved within 24 hours and funded within 3-5 business days. Grand Funding provides decisions upon receipt of a complete application. For straightforward deals, we've closed in as little as 48 hours.

What Arizona cities does Grand Funding serve?

Arizona coverage spans the full state: Phoenix, Scottsdale, Tempe, Mesa, Gilbert, Chandler, Glendale, Peoria, Surprise, Tucson, Flagstaff, Sedona, Payson, Prescott, Yuma, and Lake Havasu City.

What is the minimum and maximum loan amount in Arizona?

Grand Funding offers Arizona hard money loans from $70,000 to $5,000,000. This range covers single-family fix & flips, small commercial deals, multi-family, and large construction projects.

Do I need perfect credit to get a hard money loan in Arizona?

Credit is considered but is not the primary qualifying factor. Grand Funding focuses on the property's value, your equity position, and your exit strategy. Arizona borrowers with credit scores as low as 550 may qualify depending on the deal structure.

How fast can I close a bridge loan in Tempe?

3-5 business days is standard. For clean title and good equity, we've closed Tempe bridge loans in 48 hours.

TEMPE · BRIDGE LOAN

Tempe Bridge Loans

3-5 day close. 24-month term ceiling. No prepayment penalty on most loans. Tempe's central location and consistent demand make it ideal for short-term bridge holds. Funding investors from Old Town Tempe, South Tempe, and across the Valley.

Call Logan: (602) 935-0371 Get Pre-Approved →

Bridge Loans built for Tempe deals

Tempe's central position in the Phoenix metro — between Phoenix, Scottsdale, and Chandler — creates a liquid real estate market where buyers are plentiful year-round. Bridge loans let Tempe investors acquire quickly and exit via sale or refinance within their investment window.

Market context: Tempe bridge financing is commonly used for ASU-adjacent buy-and-hold acquisitions, Mill Ave corridor transitional holds, and properties near the Tempe Town Lake waterfront that are pending repositioning.

Who this loan is built for

Investors who need to close fast on a Tempe property and refinance into long-term DSCR or sell within 24 months. Common use cases include ASU-adjacent student housing acquisitions, Tempe Town Lake transitional holds, and 1031 exchange bridges.

Loan terms at a glance

→ Loan range: $70K-$2M
→ Rate from: 9.99%
→ Maximum LTV/ARV: 75% LTV
→ Term: 6-24 months
→ Approval: 24-hour term sheet
→ Funding: 3-5 business days standard
→ Income docs: None required (asset-based)
→ Coverage: Statewide in Arizona, including Tempe

Common questions from Tempe investors

What's the maximum LTV on a bridge loan?

75% of the as-is property value. We can go higher case-by-case for strong borrowers with low-leverage exits.

Is there a prepayment penalty?

No prepayment penalty on most bridge loans. You can sell or refinance early without additional fees.

How fast can I close a bridge loan?

3-5 business days is standard. For clean title and straightforward equity, we've closed bridge loans in 48 hours.

What's the typical bridge loan term?

6-24 months. Most bridge borrowers exit within 12 months via sale or refinance into long-term DSCR.

What Tempe properties qualify for a bridge loan?

Most SFR, duplex, triplex, fourplex, and small multi-family investment properties in Tempe qualify — including ASU-adjacent student housing and Tempe Town Lake adjacent units.