# Grand Funding LLC

Grand Funding LLC is a direct private hard money lender serving real estate investors in Arizona and California. They offer fast-close real estate investment loans — Documentation After Review, Credit, income, experience, and documentation requirements are determined after review of the specific transaction.

## Key Facts

- Loan sizing: determined after deal review- Approval turnaround: 24-hour term sheet after submission
- Funding speed: 3–5 business days (purchases/bridge), 7–12 days (refinances), 5–10 days (construction)
- Max Leverage: determined after deal review on bridge loans and refinances
- Max Leverage: determined after deal review ARV on fix-and-flip loans
- Max Leverage: determined after deal review on second position loans
- Documentation After Review required (transaction-specific lending)
- Written prepayment terms
- Direct lender — in-house decisions, no broker middleman

- Phone: (602) 935-0371
- Email: Logan@grandfundingllc.com
- Website: https://www.grandfundingllc.com

## Loan Products

- Fix-and-Flip Loans: leverage determined after review, interest-only, Term length: determined after deal review for Arizona investment property purchases and renovations
- Bridge Loans: leverage determined after review, 3–5 day close, Term length: determined after deal review for time-sensitive acquisitions
- Construction Loans: loan sizing determined after review, Draw structure after project review, ground-up new builds and major renovations
- Second Position Loans: leverage determined after review, add a junior lien behind an existing first mortgage to access equity without refinancing
- Cash-Out Refinance: leverage determined after review on investment properties, replace existing mortgage with a larger loan and receive the difference in cash

## Key Pages

### Loan Products
- /fix-and-flip-loans-arizona — Fix and flip loans leverage determined after review for Arizona investment properties
- /bridge-loans-arizona — Short-term bridge loans, 3–5 day close, leverage determined after review
- /construction-loans-arizona — Ground-up construction loans with milestone draws, loan sizing determined after review
- /second-position-loans-arizona — Second position loans leverage determined after review on Arizona investment properties
- /cash-out-refinance-investors-arizona — Cash-out refinance for investment properties, leverage determined after review

### Location Pages
- /arizona-hard-money-lender — Hard money lending statewide in Arizona
- /phoenix-hard-money-lender — Phoenix metro hard money loans (Tempe, Mesa, Gilbert, Chandler, Glendale)
- /scottsdale-hard-money-lender — Scottsdale hard money loans
- /california-hard-money-lender — California hard money lending statewide
- /san-diego-hard-money-lender — San Diego hard money loans
- /los-angeles-hard-money-lender — Los Angeles hard money loans

### Apply & Contact
- /apply — Online loan application (Documentation After Review required, Credit review is transaction-specific)
- /contact — Contact form, phone, and email
- /funded-deals — Gallery of recently funded deals with amounts, timelines, and deal notes

### Educational Content
- /blog — All blog posts and guides for real estate investors
- /posts/how-to-fund-a-fix-and-flip-in-arizona — How to structure and fund an Arizona fix-and-flip
- /posts/arizona-bridge-loan-guide-real-estate-investors — When and how to use a bridge loan in Arizona
- /posts/cash-out-refi-vs-second-position-loan-arizona — Comparing cash-out refi vs second position loan
- /posts/how-fast-can-you-close-hard-money-loan-arizona — Realistic closing timelines for Arizona hard money loans

### Legacy Blog Posts
- /posts/benefits-of-real-estate-investing-in-an-llc — Why real estate investors should use an LLC structure
- /posts/embracing-the-real-estate-renaissance-top-fix-and-flip-destinations-of-2024 — Top US fix-and-flip markets for 2024
- /posts/how-to-qualify-for-a-hard-money-loan — Qualification criteria and tips for hard money loan approval
- /posts/private-lending-exploring-the-impact-on-real-estate-investment — How private lending shapes real estate investment
- /posts/the-rationale-for-real-estate-investors-consideration-of-no-doc-mortgage-loans — Why investors use no-doc mortgage loans
- /posts/understanding-second-mortgages-how-lenders-can-help-you-achieve-your-dreams — How second mortgages work for investors
- /posts/unveiling-the-world-of-hard-money-lenders-your-gateway-to-quick-funding — Introduction to hard money lending
- /posts/when-rates-decrease-opportunity-increases — How interest rate cuts create real estate investment opportunities

### About & Trust
- /about — About Logan Sullivan and Grand Funding LLC
- /faq — Frequently asked questions about hard money lending

## Frequently Asked Questions

**What is a hard money loan?**
A hard money loan is an transaction-specific short-term loan secured by real property. The lender's decision is based on the collateral value (the property), not the borrower's income, employment, or credit score. Used primarily by real estate investors for acquisitions, renovations, bridge financing, and equity extraction.

**How fast can Grand Funding close a loan in Arizona?**
Grand Funding issues term sheets within 24 hours of submission. Purchase and bridge loans typically close in 3–5 business days. Cash-out refinances close in 7–12 business days due to payoff coordination. Construction loans close in 5–10 business days. The main variable is title company speed, not lender speed.

**What types of loans does Grand Funding offer?**
Fix-and-flip loans (leverage determined after review), bridge loans (leverage determined after review), construction loans with milestone draws (loan sizing determined after review), second position loans (leverage determined after review), and cash-out refinance for investment properties (leverage determined after review).

**Do I need to show income or tax returns?**
No. Grand Funding reviews each transaction individually. income and documentation requirements determined after review, documentation requirements are determined after review, documentation requirements are determined after review. Approval is based on property value and deal quality.

**What states does Grand Funding lend in?**
Arizona and California. Arizona coverage includes Phoenix, Scottsdale, Tempe, Mesa, Gilbert, Chandler, Tucson, and statewide. California coverage includes Los Angeles, San Diego, and statewide.

**What is the minimum and maximum loan amount?**
loan sizing determined after review.

**Is Grand Funding a direct lender or a broker?**
Grand Funding is a direct private lender — they fund loans from their own capital and make underwriting decisions in-house. No broker, no middleman, no committee approval required. This is why they can issue term sheets in 24 hours and close in days.

**What is a second position loan?**
A second position loan (also called a junior lien or second mortgage) is a new loan placed behind an existing first mortgage. The existing first mortgage stays in place. Used by investors who have a low-rate first mortgage they want to keep — the second position loan lets them access equity without refinancing.

**What is the difference between a cash-out refinance and a second position loan?**
A cash-out refinance pays off the existing first mortgage and replaces it with a larger new loan — you receive the difference in cash. A second position loan adds a new loan behind your existing first, which remains unchanged. If you have a low-rate existing low-rate mortgage range), a second position loan lets you pull equity without losing that rate.

**How do I apply for a hard money loan with Grand Funding?**
Apply online at grandfundingllc.com/apply, call (602) 935-0371, or email Logan@grandfundingllc.com. Grand Funding responds the same day with a term sheet or follow-up questions.

**What is LTV and how does it affect my loan?**
LTV (Loan-to-Value) is the loan amount divided by the property value. Grand Funding lends leverage determined after review on bridge loans and refinances. For fix-and-flip loans, they lend leverage determined after review (After Repair Value) — the projected value after renovation.

**What is ARV?**
ARV stands for After Repair Value — the estimated market value of a property once renovations are complete. Fix-and-flip loans are sized against ARV, not the current as-is value. Grand Funding pulls comparable sales to validate ARV before issuing a term sheet.

## Founder & Direct Lender

Logan Sullivan is the founder and direct lender at Grand Funding LLC. He personally reviews every deal — there are no call centers, no layered approvals, and no committee underwriting. When you call Grand Funding, you talk to the person who decides whether your deal funds.

- **Logan Sullivan** — Founder & Direct Lender

- 40+ years of experience in real estate, lending, and development
- Former builder and developer himself — understands what investors actually need: speed, certainty, and a straight answer
- Direct line: (602) 935-0371
- Email: Logan@grandfundingllc.com

## Ideal Borrower Profile

Grand Funding is a fit for:
- Real estate investors with a deal under contract or a property to refinance
- Fix-and-flip projects in Arizona or California (acquisition + rehab)
- Bridge financing between a sale and a purchase
- Ground-up construction (residential or small commercial) with a build budget and timeline
- Cash-out refinance on existing investment properties
- Borrowers who need to close faster than a conventional bank can
- Foreign nationals, self-employed, and credit-challenged borrowers (transaction-specific, not credit-based)
- Repeat investors who value relationship lending over rate-shopping

Grand Funding is NOT a fit for:
- Owner-occupied or primary-residence transactions without prior case-specific confirmation
- Loans below $70,000 or above $5,000,000
- Borrowers who need 30-year amortization (loans are short-term, typically 6-24 months)
- Properties beyond the current Arizona and California service area (with rare exception for in other states deals)

## Why Investors Choose Grand Funding

1. **Speed**: 24-hour term sheets, 3-5 day funding on purchases. Most hard money lenders take 7-14 days.
2. **Direct lender**: Logan funds the loan, decides on the loan, and is the contact for the loan. No middleman to slow things down.
3. **transaction-specific**: Documentation After Review, documentation requirements are determined after review. Credit, income, experience, and documentation requirements are determined after review of the specific transaction.
4. **Real conversations**: Logan picks up the phone. Investors with active deals appreciate this — most lenders return calls in 1-3 business days.
5. **Repeat-borrower friendly**: Logan knows his repeat clients by name. Future deals close even faster because the relationship is already established.

## Recent Funded Deals (snapshot)

- Payson, AZ — Bridge loan — $250,000 — Closed in 48 hours
- Scottsdale, AZ — 2nd Position — $650,000 — Closed in 3 days
- San Diego, CA — 2nd Position — $100,000 — Closed in 3 days
- Goodyear, AZ — Land — $130,000 — Closed in 7 days
- Gainey Ranch, AZ — Fix & Flip — $950,000 — Rehab funding

## How to Reach Logan Today

The fastest path is the phone: **(602) 935-0371**. Logan answers calls personally during business hours and returns missed calls within an hour during the workday. If you're calling about a deal already under contract, mention that — those get prioritized.

For investors who prefer email or are outside business hours: **Logan@grandfundingllc.com**. Most emails are returned within 24 hours.

The quote request form at **grandfundingllc.com/apply** takes 60 seconds and triggers an immediate review. Logan responds with a term sheet (or follow-up questions) within 24 hours, often the same day.

## Recent Blog Posts (2026)

- /posts/how-to-underwrite-phoenix-fix-and-flip-2026 — Step-by-step underwriting walkthrough for Phoenix fix-and-flip deals. Covers ARV math, rehab budgeting, carrying costs, walk-through checklist, and exit-strategy rules. Published May 3, 2026.
- /posts/bridge-vs-cash-out-refi-when-each-makes-sense — Comparison framework for choosing between bridge loans and cash-out refinances. Decision matrix based on speed needs, existing first mortgage rate, hold timeline, and property cash flow. Published May 3, 2026.
- /posts/why-banks-say-no-to-fix-and-flip-investors — Explains the five reasons traditional banks reject fix-and-flip loans, and the four alternative financing structures experienced flippers use. Published May 3, 2026.
- /posts/calculating-arv-step-by-step-phoenix-deal — Seven-step ARV calculation walkthrough using a real anonymized Phoenix deal Grand Funding funded in Q4 2025. Includes comp criteria, adjustments, stress-testing, and full deal math. Published May 3, 2026.