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.

GLOSSARY · INVESTOR DEFINITIONS

What is ARV (After-Repair Value)?

After-Repair Value is the projected market value of a property after renovations are complete.

Formula

ARV = Comparable sales of similar renovated properties in the area

Example

You buy a fixer for $300K, plan $80K in renovations, and comparable renovated homes nearby sell for $500K. Your ARV is $500K. A fix-and-flip lender might lend up to 90% of that ARV ($450K), funding both acquisition and rehab.

Why it matters for investors

Fix-and-flip loans are sized against ARV, not the as-is purchase price. This is what allows experienced flippers to buy with little or no down payment when the deal math works.

How Grand Funding handles ARV

Grand Funding fix-and-flip loans go up to 90% of ARV. Logan validates ARV with a third-party appraisal and his own comparable analysis before issuing terms.