Flagstaff Private Money Lenders
Seeking a private money loan secured by real estate in Flagstaff, AZ? This page features a curated list of direct private money lending companies offering fast funding for a property purchase, refinance, or equity cash out in 1st or 2nd lien position. Private mortgages are typically short-term, ranging from 6 to 36 months, and are primarily asset-based, focusing on the property’s equity. Most lenders require a minimum of 30% equity, with loan-to-value (LTV) ratios between 60% and 70%. While interest rates and fees are higher than those of traditional bank loans, private money loans fund faster, with fewer requirements and less documentation. It's mostly for investment properties, but state laws enable some lenders to use a borrower's primary residence as collateral, if the loan is for a business purpose.Searching...
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Versara Capital
Mesa, Arizona based hard money lender.
Center Street Lending
Smarter Loans for Residential Investors
Hilton Financial Corporation
"When the bank says NO or moves too slow" ™
American Heritage Lending
Direct Lender for Residential Real Estate Investors Nationwide
New Silver
Financing Outside The Box
Yieldi
Direct, Reliable Lender for Investment Properties
LendingOne
Rental, Fix & Flip, New Construction, Fix to Rent, SFR Portfolio Loans Nationwide
Kiavi
Servicing 18,000+ Real Estate Investors Across the Country
HD Lending, LLC
Old School Hard Money for Arizona Investment Property and Owner-Occupied Homes
Certain Lending
The Mortgage Company Built for Real Estate Investors
i Fund Cities
Direct Lender for Builders and Rehabbers
Capital Fund 1, LLC
Reliable Private Money for Your Real Estate Projects
5 Local Arizona Private Lenders
Below are the private lenders on our platform that are “local” lenders, based in Arizona. All of them are professional private lending companies. You won’t find any individual/family lenders on our platform.
- HD Lending, LLC
Based in Phoenix, HD Lending is an old school private money lender that specializes in long-term loans for investment properties, small 2nd mortgage cash out loans, and 30-year owner-occupied primary residence loans that don’t qualify for banks. They also offer standard bridge loans for investment properties, but without a strict maturity date. They don’t have a minimum FICO score and will consider other financial challenges like foreclosure or bankuptcy. They love longer terms. Loan terms are either 12 years or 30 years, with no prepayment penalty. Their loan amounts range from $15,000 to $3,000,000. - Private Money Funding, LLC
Based in Scottsdale, PMF is a true asset-based private money lending company that does busines is Arizona only. They don’t check credit and don’t require formal appraisals. Their leverage guidelines are very simple: 60% Loan-to-Value. They will lend on many types of real property – residential, commercial, land, manufactured homes, cannabis-use properties. And they don’t mind rural locations. Loan amounts range from $500K to $10MM. - Versara Capital
Based in Mesa, Versara offers a variety of private mortgage loans for all types of real estate in Arizona – purchase bridge, equity cash out, 2nd mortgages, fix & flip, rehab-to-rent. They are comfortable with commercial real estate, land, and they love mobile homes. Versara doesn’t require appraisals for most residential property loans. They are not too concerned about credit scores. - Hilton Financial Corporation
Based in Phoenix and established in 1990, Hilton Financial offers mostly purchase and refinance bridge loans. They do also finance rehab projects. Their maximum loan amount is $700,000. They lend in only 4 other states besides Arizona. We have visited their office. - Capital Fund I
Based in Scottsdale and established in 2009, Capital Fund seems to be the largest private lending company in Arizona, in terms of loan volume. They specialize in rehab and construction loans for residential properties, but they also provide bridge loans and will consider commercial real estate. They lend in only 4 other states besides AZ. We have met them in person at industry conferences.
Top 10 Private Money Lenders in Arizona by Loan Count (Last 12 Months)
Based on data from Elementix, this ranking highlights the most active private money lenders in Arizona, measured by total funded loan count for short-term real estate loans (under 3 years) over the past 12 months. This data reflects current lending activity across Arizona real estate investors.
| Company | Loans | Volume | Market Share |
|---|---|---|---|
| merchants mortgage | 1,715 | $156M | 19% |
| alta funding & investments, llc | 906 | $36M | 9% |
| flipfast loans llc | 594 | $44M | 12% |
| premium lending | 592 | $17M | 5% |
| 212 loans | 401 | $8M | 2% |
| archwest capital | 215 | $177M | 10% |
| capital fund 1 | 207 | $140M | 3% |
| nvestor funding | 140 | $16M | 1% |
| renovo financial | 135 | $38M | 1% |
| lima one capital | 109 | $12M | 1% |
Source: Elementix.ai (third-party data, not independently verified).
Top 20 Arizona Private Lenders by Loan Count (Past Quarter)
According to Forecasa™, here are the Top Private Lenders ranked by the number of private mortgage loans* originated in Arizona from January 2026 to March 2026.
- Capital Fund I funded 174 loans
- Kiavi funded 103 loans
- Boomerang Capital Partners funded 96 loans
- EZ Homes Inc funded 75 loans
- Certain Lending funded 70 loans
- Merchants Mortgage and Trust Corporation funded 65 loans
- Frank West Capital LLC funded 60 loans
- Copa Capital funded 54 loans
- Sell Wholesale Funding LLC funded 51 loans
- Oaktree Funding Corporation funded 50 loans
- KMS Capital Group LLC funded 50 loans
- Lm2 Investment Group LLC funded 50 loans
- Ron Swanson Holdings LLC funded 50 loans
- Bench Equity funded 50 loans
- Southwest Capitol LLC (Gentry Real Estate AZ) funded 50 loans
- First Choice Properties LLC (AZ Loan Guys) funded 50 loans
- Hd Lending LLC (Applewood Funding) funded 50 loans
- Alta Funding And Investments LLC funded 50 loans
- JCSV Homes LLC funded 50 loans
- Phoenix Lending Group funded 50 loans
* The number of loans funded are approximate and includes long-term rental loans.
Source: Forecasa (this is third-party data, not independently verified).
Arizona Private Money Interest Rates
According to the private money loan documents software company, Lightning Docs, the average interest rate for Arizona private money loans in the 2nd quarter of 2026 was 9.95%. The average loan amount was $1,318,152. These stats are the average of 173 short-term loans (including bridge, rehab, and ground-up construction) funded for investment properties in Arizona between April 1, 2026 and June 30, 2026 by multiple private lending companies that use Lightning Docs as their preferred software provider to prepare loan documents.
According to private lending data provider, Analytics Logics, the average interest rate for Arizona private money loans in the 1st quarter of 2026 was 7.49%. Lenders charged an average of 3.4% points (origination fee). The average LTV (loan-to-value) for private money loans in Arizona was 60%, and the average loan amount was $511,600. These stats are the average of all the loans which were funded between January 1, 2026 and March 31, 2026 by the many private lenders who use Liquid Logics’ loan origination software to manage their lending operations.
Top 10 Real Estate Investors in Arizona Using Private Money (Past 12 Months)
Based on data from Elementix, this ranking highlights the most active real estate investors in Arizona who utilize private money loans, based on total borrowing volume over the past 12 months. Reported volume may include financing from private lenders, banks, and other sources, reflecting overall borrowing activity across the Arizona real estate market.
| Entity | Loans | Volume |
|---|---|---|
| taber built homes llc | 400 | $1.8B |
| purchasing fund 2023 1 llc | 315 | $87M |
| executive homes llc | 294 | $151M |
| sky lake construction llc | 229 | $61M |
| vapa investments llc | 192 | $28M |
| tidewater developers llc | 178 | $279M |
| grandview capital llc | 177 | $41M |
| mcguinn homes inc | 161 | $312M |
| nilson & co llc | 146 | $76M |
| prestige home solutions llc | 145 | $31M |
Source: Elementix.ai (third-party data, not independently verified).
Arizona Private Money Loan Volume by Quarter (Past 12 Months)
Based on data from Elementix, the following figures show the estimated quarterly loan volume for private money lending secured by real estate in Arizona over the past 12 months.
Q2 2026: ~$12.9B in funded loan volume across 4,209 loans and 3,064 borrowers
Short-term loans (< 3 years): ~$866M across 472 loans
Long-term loans (> 3 years): ~$2.6B across 1,200 loans
Unknown-term loans: ~$9.4B across 2,537 loans
Q1 2026: ~$20.4B in funded loan volume across 6,090 loans and 4,311 borrowers
Short-term loans (< 3 years): ~$4.4B across 580 loans
Long-term loans (> 3 years): ~$2.8B across 1,745 loans
Unknown-term loans: ~$13.2B across 3,765 loans
Q4 2025: ~$21.1B in funded loan volume across 6,681 loans and 5,025 borrowers
Short-term loans (< 3 years): ~$1.2B across 587 loans
Long-term loans (> 3 years): ~$4.1B across 2,372 loans
Unknown-term loans: ~$15.8B across 3,722 loans
Q3 2025: ~$20.8B in funded loan volume across 5,829 loans and 4,347 borrowers
Short-term loans (< 3 years): ~$1.3B across 525 loans
Long-term loans (> 3 years): ~$2.6B across 1,670 loans
Unknown-term loans: ~$16.9B across 3,634 loans
Source: Elementix.ai (third-party data, not independently verified).
“Unknown-term” loans represent private lender transactions for which the available public records did not provide sufficient information to determine whether the original loan term was less than or greater than 3 years.
