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 are construction draws structured for LA projects?

Typical schedule is 4-6 milestone draws based on a third-party inspector validating completed work. First draw at foundation, subsequent draws at framing, MEP, drywall, and final. We align with your LADBS inspection schedule.

What is the maximum loan for a Los Angeles construction project?

Grand Funding construction loans go up to $5,000,000. This covers teardown-rebuilds, luxury new construction, multi-family projects, and large ADU builds in the LA market.

Do you require a licensed GC in California?

Yes. California law and LADBS require licensed contractors for permitted construction work, and we require a licensed GC for ground-up new construction loans in Los Angeles.

LOS ANGELES · CONSTRUCTION LOAN

Los Angeles Construction Loans

Up to 80% of cost. Milestone-based draws. $5M cap. Built for LA developers navigating LADBS permitting, teardown-rebuilds, multi-family projects, and high-value coastal construction. Funding investors from Venice, Silver Lake, Highland Park, Culver City, and across California.

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

Construction Loans built for Los Angeles deals

Los Angeles is the largest construction market in the Western United States. Land values are extreme, teardown-rebuilds are common, and ADU additions have exploded under SB 9. Investor-developers need a lender who understands LA's permitting complexity and can fund in 3-5 days.

Market context: LA ADU builds have a 12–18 month average return horizon and add significant value in high-demand ZIP codes. Teardown-rebuild projects in Venice, Silver Lake, and Highland Park routinely close above $2M ARV.

Who this loan is built for

Investor-developers with a licensed CA GC, approved permits or an active permit timeline, and a clear exit strategy. We finance acquisition + build. Common LA use cases include teardown-rebuilds, ADU additions, multi-family conversions, and coastal new construction.

Loan terms at a glance

→ Loan range: $250K-$5M
→ Rate from: 10.99%
→ Maximum LTV/ARV: 80% of cost
→ Term: 12-18 months
→ Approval: 24-hour term sheet
→ Funding: 3-5 business days standard
→ Income docs: None required (asset-based)
→ Coverage: Statewide in California, including Los Angeles

Common questions from Los Angeles investors

How are construction draws structured?

Typical schedule is 4-6 milestone draws based on a third-party inspector validating completed work. First draw at slab/foundation, subsequent draws at framing, MEP, drywall, and final.

Do I need a licensed GC?

Yes for ground-up new construction. Owner-builders are case-by-case — we look at experience and project complexity.

Can the loan finance both the lot and the build?

Yes. Most of our construction loans finance acquisition + build in a single instrument.

What happens if construction runs over budget?

We work with you. Cost overruns are funded as a loan modification or a small junior facility. Logan has been a builder himself — he plans for the messiness.

Do you fund ADU construction in Los Angeles?

Yes. ADU projects are a primary use case in LA. SB 9 and AB 2221 have expanded ADU rights substantially — we fund ADU construction loans across the greater Los Angeles area.