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 Bridge Loan?

A short-term loan that bridges the gap between a current need (e.g., property acquisition) and a future financial event (e.g., a sale or refinance).

Formula

Bridge term = (Refi or sale date) − (Acquisition date), typically 6-24 months

Example

An investor finds a deal at 70% of ARV but the bank takes 45 days. They use a 12-month bridge loan to close in 5 days, renovate, refinance into a DSCR loan once stabilized, and pay off the bridge.

Why it matters for investors

Bridge loans are the workhorse of real estate investing. They prioritize speed over rate. Once the bridge has done its job (acquired the property), you refinance into something cheaper.

How Grand Funding handles Bridge Loan

Grand Funding bridge loans: up to 75% LTV, from 9.99%, 6-24 month term, 3-5 day close. No prepayment penalty on most. Built for investors who need to move fast.