Arizona Construction Loans — Build Now, Not Later
Ground-up new construction and major renovation financing with milestone-based draws. Up to $5M. Close in 5–10 days. We're former builders who speak your language — no bank bureaucracy, no committee approvals.
Why Arizona Builders Choose Grand Funding
Lenders who actually understand construction
Former Builders
40+ years as builders means we understand permits, GC relationships, draw timing, weather delays, and change orders. We're not reading from a checklist — we've lived it.
Milestone-Based Draws
Funds released as work is completed and inspected. You're not carrying interest on money you haven't drawn yet, and we're protected through the build process.
Up to $5M
From a simple ADU to a $5M custom build — our loan range covers the full spectrum of Arizona residential and commercial construction projects.
Flexible Timeline
We work around your build schedule — not the other way around. Arizona's permitting, weather, and labor market create delays. We've seen it all and underwrite accordingly.
Recent Arizona Construction Projects Funded
Real builds across the state
How Arizona Construction Loans Work
From ground to funded in three steps
Submit Your Project
Share your plans, lot address, project cost, GC info, and projected timeline. We review fast and ask smart questions — not a checklist rundown.
~15 minutesGet Your Construction Terms
In-house review of project cost, completed value, GC, and exit. Term sheet in 24 hours with draw schedule, rate, and loan amount.
Within 24 hoursClose & Break Ground
Close in 5–10 days through an Arizona title company. Initial draw funds at closing, subsequent draws release on milestone completions.
5–10 business daysArizona Construction Loan FAQs
Common questions from Arizona builders and developers
What is an Arizona construction loan?
+An Arizona construction loan is short-term financing for ground-up new builds or major renovations. Funds are released in milestone-based draws as construction progresses and inspections confirm completion. Grand Funding offers Arizona construction loans up to $5M with 24-hour approvals and closings in 5-10 business days.
How do construction draws work in Arizona?
+Construction draws are released in stages as milestones are completed. You submit a draw request, an inspection confirms the work, and funds are released for the next phase. You only pay interest on the funds already drawn — not the full loan amount.
Do I need an experienced GC for an Arizona construction loan?
+A licensed general contractor is required. The GC's experience, license, and track record are important factors in our underwriting. We look at the project plans, the contractor's portfolio, and the exit strategy when evaluating Arizona construction loan applications.
What is the maximum Arizona construction loan?
+Arizona construction loans are available up to $5,000,000. This covers single-family new builds, multi-family construction, luxury renovations, ADUs, and larger commercial projects across Arizona.
How long does it take to close an Arizona construction loan?
+Most Arizona construction loans close in 5-10 business days from loan approval. The timeline depends on title clearance, plans review, and appraisal. Grand Funding moves as fast as your documentation allows.
Ready to Break Ground in Arizona?
Up to $5M. Milestone draws. Former builders who understand your project.
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.
