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.

PHOENIX · CONSTRUCTION LOAN

Phoenix Construction Loan Loans

Up to 80% of cost. Milestone draws aligned with your build schedule. $5M cap. Built for builder-investors who manage their own projects. Funding Phoenix investors from Arcadia, Biltmore, Camelback East, Encanto, North Central and across Arizona.

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

Construction Loan loans built for Phoenix deals

Phoenix is the fifth-largest city in the United States and the engine of Arizona real estate investing. Inventory turnover is fast, cash buyers are common, and renovation timelines are tight. Investors closing deals here need a lender who can issue a term sheet in 24 hours and fund in 3-5 days.

Market context: The Phoenix metro saw $4.2B in fix-and-flip volume in 2024. Median ARV margin on flipped properties was 22%.

Who this loan is built for

Builder-investors with a permitted plan, GC lined up, and a budget. We finance acquisition + construction with milestone draws. Common Phoenix use cases include fix-and-flip, buy-and-hold rentals, ADU additions, 1031 exchanges.

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 Arizona, including Phoenix

Common questions from Phoenix 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.