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.

What does 90% ARV mean for Tempe fix and flip loans?

It means we'll lend up to 90% of the After Repair Value. On a $480K ARV Tempe property, you could borrow up to $432K.

How fast can I close a fix and flip loan in Tempe?

3-5 business days is standard. For clean title and straightforward deals near ASU or Tempe Town Lake, we've closed in 48 hours.

Do I need income docs for a Tempe fix and flip loan?

No. We underwrite the deal — property value, equity, and your exit strategy — not your tax returns.

TEMPE · FIX & FLIP

Tempe Fix & Flip Loans

Up to 90% of ARV. Asset-based — no income docs. Funded in 3-5 days. Tempe's ASU proximity, Mill Ave corridor, and Tempe Town Lake keep buyer demand strong for renovated properties. Funding investors from Old Town Tempe, South Tempe, and across the Valley.

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

Fix & Flip loans built for Tempe deals

Tempe sits at the heart of the Phoenix metro — directly adjacent to ASU, Scottsdale, and Phoenix. Demand for renovated SFR and small multi-family in Tempe is consistently strong from both owner-occupants and investors seeking proximity to employment, entertainment, and the airport.

Market context: Tempe fix-and-flip ARVs average $400K–$550K for SFR near ASU and the Tempe Town Lake waterfront. Multi-family small complexes near Mill Avenue regularly trade above $250K per door.

Who this loan is built for

Investors with a Tempe property under contract that needs cosmetic-to-medium rehab. Common use cases include campus-adjacent SFR flips, multi-family value-add near ASU, and South Tempe suburban renovations.

Loan terms at a glance

→ Loan range: $70K-$2M
→ Rate from: 9.99%
→ Maximum LTV/ARV: 90% ARV
→ Term: 6-18 months
→ Approval: 24-hour term sheet
→ Funding: 3-5 business days standard
→ Income docs: None required (asset-based)
→ Coverage: Statewide in Arizona, including Tempe

Common questions from Tempe investors

What does 90% ARV mean?

It means we'll lend up to 90% of the After Repair Value — the projected value after your renovations are complete. So on a property with a $400K ARV, you could borrow up to $360K.

Do I need to show income or tax returns?

No. We underwrite the deal, not your W-2. Property value, equity position, and your exit strategy are what matter.

Can I close in less than a week?

For clean, straightforward deals — yes. Our record is 48 hours from term sheet to funding. Typical close is 3-5 business days.

What credit score do I need?

Credit is reviewed but not the primary qualifier. Borrowers with scores as low as 550 can qualify depending on the deal structure and equity.

What Tempe neighborhoods does Grand Funding serve?

We fund fix-and-flip projects across all of Tempe: Old Town, South Tempe, Warner Ranch, Tempe Town Lake area, and all communities adjacent to Arizona State University.