The Southwest’s Premier Private Lender

Fix & Flip | Ground-Up Construction | Land Development | Commercial

We are committed to helping you get your deal done with a fast, simple process that gets you the funding you need to create a successful real estate project. For the last decade, we have been Arizona’s fastest, most reliable private-money lender because we are responsive, innovative, experienced, service-oriented, and we do it right the first time. Once you work with one of our private money loan experts, you will see why thousands of real estate investors have put their trust in us.

  • We lend in Arizona, Colorado, and Texas
  • We are a direct asset-based lender
  • We don’t check credit
  • We don’t ask for personal tax returns
  • We can fund start to finish in 24 hours
  • No prepayment penalties

Property Geographic Area Details

Arizona, Colorado, Texas

Loan Amounts

$50,000 to $15,000,000

Interest Rates

7.99% to 12.99%

Max Loan-To-Value


Max Loan-To-Cost


Origination Fees

1% to 2.5%

Loan Terms

6 months to 60 months

Lien Position

  • 1st

Loan Purpose

  • Investment Acquisition
  • Investment Refinance
  • Improve Subject Property
  • Use Equity to Invest in Another Property
  • Value Add Project
  • Development Project

Property Occupancy

  • Vacant
  • Tenant Occupied 100%

Property Types and Loan Types

Collateral Types

  • Residential Property
  • Commercial Property

Property Types

  • 2-4 Units Residential
  • Commercial Land
  • Condominium
  • Hotel
  • Industrial
  • Mixed-Use
  • Mobile Home Park
  • Motel
  • Multifamily
  • Office
  • Residential Land
  • Retail
  • Single Family Residence
  • Storage Facility

Loan Types

  • Private Money
  • Hard Money
  • Commercial Bridge
  • Residential Bridge
  • Commercial Property Value Add
  • Residential Fix and Flip
  • Residential Rehab and Rent
  • Commercial Ground-Up Construction
  • Residential Ground-Up Construction

Specialty Loan Types

  • Land Development
  • Condo Conversion
  • Residential Long-Term Rental
  • Partner Buyout
  • Transactional Funding
  • Subdivisions

Land Loan

Land Types Considered

  • Residential Land
  • Multifamily Land
  • Industrial Land
  • Office Land
  • Retail Land
  • Hospitality Land

Will Consider Land That is NOT Entitled


Existing Land Improvements Required

  • Street Access
  • Electricity
  • Gas
  • Water
  • Communication
  • Residential Structure
  • Commercial Structure

Max LTV for Land


Max LTC for Land Acquisition


Purchase Loan

Max Loan-To-Purchase Price


Borrower Must Have Property Under Contract


Will Provide Proof of Funds Letter


Will Consider Lending on Purchase from Auction


Allowed Source of Borrower’s Equity

  • Own Cash
  • Partner
  • Equity in Another Investment Property

Rehab Value Add Loan

Experience Required


Minimum Number of Value-Add Projects Completed by Borrower


Will Provide Funds for Renovation Costs


Max LTC for Renovation Costs


Interest Charged for Renovation Costs

Only on Funds Drawn

Typical Number of Days for Funds Draw


Maximum After Repair Value


Construction Loan

Development Experience Required


Minimum Number of Ground-Up Construction Projects Completed by Borrower


Max LTC for Ground-Up Construction Costs


Interest Charged for Construction Costs

Only on Funds Drawn

Will Lend on Partially Completed Construction Projects


Details and Requirements

Typical Closing Time (Days)


Fastest Closing Time (Days)


Works With

  • Brokers
  • Borrowers

Payment Structure

  • Interest Only

Pre Payment Penalty


Will lend to a foreign national


Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage


Will Consider Collateralizing Multiple Properties in One Loan


Will Consider Equity Joint Venture


Borrower Entity Types Considered

  • Individual(s)
  • LLC
  • Limited Partnership
  • Trust
  • Corporation

Documentation Required

  • Loan Application

Personal Guaranty (Recourse) Required


Credit Check Required


Appraisal Required for Residential Property

Always After Funding

Appraisal Required for Commercial Property

Always After Funding

Broker Price Opinion (BPO) Accepted for Residential Property


Broker Price Opinion (BPO) Accepted for Commercial Property



Underwriting Fee

$0 to $0

Documents Fee

Minimum Origination Fee Amount


Fix and Flip Loans

For many real estate investors, the search for a reliable fix-and-flip lender is a difficult one. Even lenders who claim that they can get you approved may take too long to get you the money you need to close a deal.

Capital Fund 1 offers loans on:

  • Either six- or 12-month timelines
  • Low fees on six-month loans with up to 75 percent loan-to-value on the acquisition cost of the home.
  • A loan for both the acquisition and the rehab costs, we have loan products designed for up to 70 percent of the loan-to-value ratio.

Buy and Hold Loans

Unlike loans made for “fix and flip” properties, our buy and hold loan program is intended for investors who are looking to hold and maintain a property. For this reason, the terms on these loans tend to be a little longer with slightly lower interest rates, compared to fix and flip loans.

Bridge Loans

Bridge loans are a unique short-term funding solution that allows businesses to act when execution is critical and time is of the essence. This loan program tends to “bridge the gap” when permanent financing is needed to purchase commercial real estate which is not yet available.

Construction Loans

Capital Fund I is able to finance a wide array of different construction projects. Construction deals are the most interesting loans we offer because of the different ways they can be structured. One of Capital Funds’ strengths is being flexible enough to structure it to fit the needs of the project. General contractors, developers, and investors should get more information about Capital Fund I’s construction financing program and learn more about how it can help make your project come to life.

Major Remodel and Addition Loan

With our loans, you’ll be able to:

  • Merge the purchase price of the property and the cost of upgrades or repair into a single loan.
  • We offer a maximum of 80% Loan to Total Project Cost
  • To qualify for rehab financing the remodel budget must be at least $50,000

Lot and Land Loans

Our Lot and Land Hard Money Loan Features:

  • Borrow up to 70% Loan to Purchase Price
  • Easy application process
  • Loan fee ranging from 1-3 points
  • 6-24 Month Term with provisions for extension
  • We can fund start to finish in as little as 48 hours
  • We don’t typically include prepayment penalties

Trustee Loans – Foreclosure & Auction

If a borrower goes into default and does not become current with their payments after 30 days, the lender will alert the trustee. The trustee will then begin the foreclosure process.

  • The trustee works with the lender to determine a starting bid amount.
  • Date is determined when the foreclosure auction, or trustee sale, will take place.
  • On the day of the trustee sale, potential buyers bid for the property at the predetermined starting bid amount, and try to outbid the other real estate investors.
  • The winner of the auction will be given 24 hours to come up with the financing of the property.
  • At this point in the process, Capital Fund 1 is able to assist the winning buyer in regards to financing the purchase of the trustee sale.

Capital Fund 1 serves the Phoenix area, including Scottsdale, Chandler, Mesa, Glendale and Peoria, as well as Northern Arizona and Tucson. We also serve the Denver Colorado and Dallas-Fort Worth areas. If you have any questions, contact us today and we’ll be happy to go into further detail with you about any of our loan programs.

Please Keep in Mind the Following Factors About Capital Fund as a Company:

  • We are an asset based lender
  • We don’t check credit
  • We don’t ask for personal tax returns
  • We don’t impose prepayment penalties
  • We are able to finance construction deals in as little as 3-5 business days

It is important to remember that Capital Fund does not impose prepayment penalties which means we can be refinanced by a long term loan once it is obtained by another source of funds.


BK-0917799 | NMLS ID 396288

Company Size (Number of Employees)


Year Established


Office Locations

Arizona Capital Fund Office (Headquarters)
14555 N Scottsdale Rd, Ste 200, Scottsdale, AZ 85254

Colorado Capital Fund Office
2755 S Locust St, Ste 128, Denver, CO 80222

Capital Fund 1 Texas Office
2909 Cole Ave, Ste 300, Dallas, TX 75204

Primary Capital Source

  • Own Funds
  • Debt Fund We Manage
  • Family Offices
  • Single Capital Partner
  • Bank Credit Line
  • Private Equity Funds
  • Friends & Family
  • Fund to Fund

Loan Structure for Majority of Loans

  • Own Balance Sheet

Percentage of Loans Secured by Commercial Property


Percentage of Loans Secured by Residential Property


Percentage of Residential Property Loans Which are Fix and Flip


Percentage of Residential Property Loans Which are Buy and Hold


Percentage of Loans Secured by Land


Percentage of Commercial Property Loans Which are Ground-Up Construction


Percentage of Residential Property Loans Which are Ground-Up Construction


2017 Number of Loans Funded


2017 Loan Volume Funded


2018 Number of Loans Funded


2018 Loan Volume Funded


2019 Number of Loans Funded


2019 Loan Volume Funded


2020 Number of Loans Funded


2020 Loan Volume Funded


Noah Brocious


License Information
NMLS ID - 367074
Arizona DFI - LO-0917554

Kevin Highmark

Principal/Senior Vice President Sales & Marketing

License Information
NMLS ID - 1330046
Arizona DFI - LO-0946800

Jakob Fuhriman

AVP Origination | Arizona

License Information
NMLS ID - 1836665
Arizona DFI - LO-1001033

Zach Fuhriman

Chief Loan Officer | Arizona

License Information
NMLS ID - 1843926
Arizona DFI - LO-1001254

Dallin Hernandez

Loan Officer | Arizona

Jake Talavera

VP Origination | Texas

License Information
NMLS ID - 1801782
Arizona DFI - LO-1003667

Adam Kehl

Director of Colorado Operations

Samuel White

VP Origination | Colorado

Kolby McInally

Loan Officer | Arizona

Rylan Holland

Loan Officer | Arizona

Joshua Meldrum

Loan Officer | Arizona

Luke Orr

Loan Officer | Arizona

Toby Newhouse

Director of Sales | Texas & Washington

Slaten Broyles

Loan Officer | Texas

Alfonso Rodriguez

Loan Officer Assistant | Colorado

Excellent people. We worked with Broke, Zach, Jayke, Liz and Jacob. [sic] Thanks for you hard work in putting everything together in all the deal we been making but the best part of everything is they are honest and answer there phone when you need!!!!!! Congratulations?

Ramon B.

Capital fund I and the team is amazing. Speed of funding is off the charts fast! I highly recommend any experienced investors to check them out.

We Purchase AZ Homes

Capital Fund 1 is made up of professionals who take their jobs seriously and are very good at quickly evaluating, making decisions and following through. It has been an absolute pleasure to work with them on our latest acquisition in Scottsdale. We could not be more pleased to develop a relationship with Capital Fund 1 and would absolutely recommend them to other investors in the Phoenix area.

S&E Guina

I was in jeopardy of losing my deal because the bank I was working with wasn’t able to close in time. I was referred to Capital Fund I and they were able to underwrite my deal and get me loan terms in 24 hours and close my loan in time to save my deal.

David Arthur


Capital Fund I, LLC is my go to hard money lender for myself and my clients. They underwrite and get me loan terms quickly and always get my deals funded quickly and on time. I would recommend all real estate investors buying properties in Arizona to use Capital Fund.

Jamil Damji

A2Z Property Management, Inc

My fix and flip was mid-way through its renovation process. No traditional bank would likely touch a loan with all these variables. I appreciate that your private funding exists to let me accomplish my goals, and I look forward to more projects with you in the future.

Thomas P.

As a first time borrower of Capital Fund I, I can honestly say that I am pleased with the work they are able to provide. They were able to provide a loan quote quickly, as well as showed me how easy it can be to work with private lenders. With Capital Fund’s help, I was able to update the home and sell it quickly.


Las Palmaritas Remodel

Before You Contact Us

Our Minimum Loan Amount Is


What We Do

  • Fast Loans for Investment Real Estate
  • Bridge, Rehab, Construction, Development
  • Land and Lot Loans

Not Available

  • NO 100% Financing
  • NO Owner-Occupied Home
  • NO Cannabis-Use Properties

Loan Request

Short Description of your Loan Request or Property Address

This information is about yourself, not the subject property.


At the end of the form you can enter the additional properties.

(temp use, storage, billboard, parking, etc.)


If Borrower is not seeking additional funds for the renovation, change the Loan Type to Purchase or Acquisition.


(temp use, storage, billboard, parking, etc.)


If Borrower is not seeking additional funds for the renovation, change the Loan Type to Purchase or Acquisition.


how will the loan be paid off?


Add links to photos here.


Add links to photos here.


Add links to documents, photos, etc.