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 Hard Money Loan?

A short-term, asset-based real estate loan secured by the property itself rather than the borrower's income or credit profile.

Formula

Approval = Property Value × Maximum LTV − Existing Liens

Example

An investor wants to acquire a $400K rental property and renovate it. A bank requires 30 days of underwriting and W-2s. The investor uses a hard money lender, closes in 5 days at 75% LTV ($300K loan), and refinances into a long-term mortgage 6 months later.

Why it matters for investors

Hard money loans are how serious real estate investors close deals fast. They're priced higher than bank loans (8-12% range) but offer speed, flexibility, and approval based on deal quality rather than income docs.

How Grand Funding handles Hard Money Loan

Grand Funding is a direct hard money lender for AZ + CA real estate investors. 24-hour term sheets, 3-5 day funding, $70K-$5M loans. Logan reviews every deal personally.