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 · FIX & FLIP

Phoenix Fix & Flip Loans

Up to 90% of ARV. Asset-based — no income docs. Funded in 3-5 days so you don't lose the deal to a faster buyer. Funding Phoenix investors from Arcadia, Biltmore, Camelback East, Encanto, North Central and across Arizona.

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

Fix & Flip 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

Investors with a property under contract or recently acquired that needs cosmetic-to-medium rehab and a 6-12 month exit. Common Phoenix use cases include fix-and-flip, buy-and-hold rentals, ADU additions, 1031 exchanges.

Loan terms at a glance

→ Loan range: $70K-$5M
→ Rate from: 9.99%
→ Maximum LTV/ARV: 90% of ARV
→ Term: 6-12 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 fast can you close a fix-and-flip loan?

Typical close is 3-5 business days from accepted term sheet. Pre-approvals issue in 24 hours.

What's the minimum credit score?

We're asset-based — no minimum FICO. We look at the deal, the property, and your exit strategy. Credit-challenged investors close deals with us regularly.

Do I need experience to get approved?

No. First-time fix-and-flippers close with Grand Funding. We weight the deal quality and ARV math more than your investor track record.

Are rehab funds released upfront or as draws?

Standard structure is acquisition funds at close, rehab funds in 2-4 milestone draws based on inspection. Logan structures the draw schedule with you when terms are set.