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.

TUCSON · BRIDGE LOAN

Tucson Bridge Loans

3-5 day close. 24-month term ceiling. No prepayment penalty on most loans. Built for Tucson investors who need speed and flexibility. Funding investors from Barrio Viejo, Midtown, the Foothills, and across Southern Arizona.

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

Bridge Loans built for Tucson deals

Tucson's real estate market moves quickly for well-priced properties — especially near the University of Arizona and in Midtown. Bridge loans give Tucson investors the speed to acquire before competing buyers and the flexibility to exit via sale or refinance within 24 months.

Market context: Tucson investors regularly use bridge financing for campus-adjacent acquisitions (where tenants are guaranteed), midtown value-add holds, and Foothills estate transitions.

Who this loan is built for

Investors who need to close fast on a Tucson property and refinance into long-term DSCR or sell within 24 months. Common use cases include campus-adjacent buy-and-hold, midtown value-add acquisitions, and short-term rental transitional financing.

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 Tucson

Common questions from Tucson 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 Tucson properties qualify for a bridge loan?

Most residential and light commercial investment properties qualify — SFR, duplex, triplex, fourplex, small mixed-use. We evaluate the as-is value and your exit strategy.