Arizona Hard Money Lenders

Need a hard money loan secured by real estate in Arizona? This page has a list of direct hard money lenders that offer quick funding for an Arizona property purchase, refinance, fix & flip, rehab & rent, ground-up construction, and equity cash out in 1st lien position. Hard Money lending is only for investment properties, not for homesteads. The loans are mainly based on equity in the subject property. For most lenders, the maximum LTV is typically 70% for a purchase and 65% for an equity cash out loan. Scroll to see the list of lenders.
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Certain Lending

The Mortgage Company Built for Real Estate Investors

$100,000 - $4,000,000
6 to 360 months
6.25% - 11.75%
0 - 3.00%
LendingOne

Rental, Fix & Flip, New Construction, Fix to Rent, SFR Portfolio Loans Nationwide

$70,000 - $50,000,000
9 to 360 months
0.75% - 1.99%
Private Money Funding

No Appraisals. No Credit Check Required. Quick Closings. Real Results. An AZ asset-based lender.

$500,000 - $10,000,000
1 to 60 months
8.99% - 14.00%
1.00% - 3.00%
American Heritage Lending

Direct Lender for Residential Real Estate Investors Nationwide

$100,000 - $5,000,000
12 to 360 months
8.00% - 12.00%
1.00% - 3.00%
Diya Finance

Bridge and Rental Loans Made Easy

$75,000 - $2,500,000
6 to 360 months
6.50% - 12.00%
0 - 3.00%
Hilton Financial Corporation

"When the bank says NO or moves too slow" ™

$10,000 - $700,000
12 to 35 months
7.00% - 10.00%
2.00% - 3.00%
Lima One Capital

The Nation's Premier Lender for Real Estate Investors

$75,000 - $20,000,000
13 to 360 months
6.25% - 12.10%
0.25% - 2.50%
RCN Capital

Direct Lender for Residential Fix & Flip, Long-Term Rental, Bridge Loans

$75,000 - $10,000,000
12 to 360 months
8.00% - 13.00%
2.00% - 5.00%
Capital Fund 1, LLC

Reliable Private Money for Your Real Estate Projects

$50,000 - $15,000,000
6 to 60 months
8.99% - 12.99%
1.00% - 2.50%
Arch Loans

Low and High Leverage Options, up to 90% of purchase price for fix & flip

$100,000 - $10,000,000
1 to 12 months
8.00% - 15.00%
1.00% - 3.00%
i Fund Cities

Great F#*%ing Loans, Built By Investors For Investors

$75,000 - $15,000,000
6 to 360 months
7.00% - 12.00%
1.50% - 4.00%
Kiavi

Servicing 18,000+ Real Estate Investors Across the Country

$100,000 - $3,000,000
12 to 360 months
6.62% - 12.45%
Yieldi

Direct, Reliable Lender for Investment Properties

$500,000 - $25,000,000
6 to 24 months
10.00% - 14.00%
1.00% - 4.00%
Dunmor

Do More With Dunmor

$100,000 - $5,000,000
6 to 24 months
6.75% - 12.00%
1.00% - 2.00%
Versara Capital

Mesa, Arizona based hard money lender.

$50,000 - $1,000,000
6 to 12 months
9.90% - 14.90%

4 Local Arizona Hard Money Lenders

Here are the hard money lenders on our platform that are “local” lenders, based in Arizona…

  1. Versara Capital
    Based in Mesa, Versara offers a variety of hard money 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.
  2. Private Money Funding, LLC
    Based in Scottsdale, PMF is a true asset-based hard money lending company focused on Arizona. They don’t check credit, don’t require formal appraisals and are fine with rural locations, but they are conservative with their leverage. The majic number is 60% LTV. They lend up to 60% of the property’s value for refinances. For a purchase, borrowers need a 40% down payment. They will lend on many types of real property – residential, commercial, land, manufactured homes, cannabis-use properties. Loan amounts range from $100K to $10MM.
  3. Hilton Financial Corporation
    Based in Phoenix and established in 1990, Hilton Financial offers mostly purchase and refinance bridge loans. They do also offer rehab loans. Their maximum loan amount is $700,000. They lend in only 4 other states besides Arizona. We have visited their office.
  4. Capital Fund I
    Based in Scottsdale and established in 2009, Capital Fund seems to be the largest hard money lender 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.

Arizona Hard Money Interest Rates

lightning docs logo

According to the hard money loan documents software company, Lightning Docs, the average interest rate for Arizona hard money loans in the 1st quarter of 2025 was 11.20%. The average loan amount was $894,171. These stats are the average of 112 short-term loans (including bridge, rehab, and ground-up construction) funded for properties in Arizona between January 1, 2025 and March 31, 2025 by multiple hard money lenders that use Lightning Docs as their preferred software provider to prepare loan documents.

 

analytics logics logo

According to private lending data provider, Analytics Logics, the average interest rate for Arizona hard money loans in the 1st quarter of 2025 was 10.60%. Lenders charged an average of 1.1% points (origination fee). The average LTV (loan-to-value) for hard money loans in Arizona was 69%, and the average loan amount was $557,150. These stats are the average of all the loans which were funded between January 1, 2025 and March 31, 2025 by the many hard money lenders who use Liquid Logics’ loan origination software to manage their lending operations.

Top 10 Arizona Hard Money Lenders

forecasa logo

According to Forecasaâ„¢, here are the Top 10 Hard Money Lenders ranked by the number of loans* originated in Arizona from October 2024 to December 2024.

  1. Capital Fund I funded 167 loans
  2. funded 90 loans
  3. Boomerang Capital Partners funded 78 loans
  4. Frank West Capital LLC funded 70 loans
  5. EZ Homes Inc funded 66 loans
  6. Oaktree Funding Corporation (Truly investor Capital) funded 55 loans
  7. Copa Lending LLC funded 53 loans
  8. Sell Wholesale Funding LLC funded 49 loans
  9. Bench Equity funded 44 loans
  10. KMS Capital Group LLC funded 44 loans

* The number of loans funded are approximate and includes long-term rental loans.

Forecasa™ gives investors and lenders in the private real estate market powerful analytics and actionable insights. They help you skip the hassle of combing county records and focus on closing deals. With detailed market trends, investor and lender activities, and competitive benchmarking, you can make smart, strategic decisions. Some of their services include dynamic market reports, transaction-level details, customer analytics, borrower verification, and in-depth profiles of investors, lenders, and capital partners. You’ll find their top lenders data for many other states on our platform.

Arizona Hard Money Lending Insights from a Local Lender

Phoenix, Arizona has been and continues to be a hot bed for real estate investors. According to Brett Tanner of Versara Capital, many people from different parts of the country have always migrated into Arizona rather than out of it. “If you look at the people coming in and out, there’s always more people coming into Arizona, and that is going to continue to happen,” he says. According to Versara Capital, Mariscopa County in specific, is the ideal environment for real estate investors and hard money lenders. “Mariscopa County has long been the county with more real estate transactions than any other county in the country,” Brett says. Brett also suggests that northern Central Phoenix is a hot market right now with a lot of rehab activity. Investors look for properties built in the 1970s to 1990s that have never been renovated and convert them into more modern homes. “They’re going to go in there and do all the deferred maintenance and make it new. And we see that in a lot of the markets throughout the valley,”Brett says.

In Arizona, the competition among lenders mirrors that of other states. There are small to medium-sized companies that lend using their own capital and assets, like Versara Capital, alongside larger companies with more complex processes that may result in longer processing times.

Another reason Arizona is a popular market for investors is the growth in job opportunities. Brett says, “There are tons of people in the job space, employers are coming in here creating jobs which creates opportunity.”

Watch Brett Tanner’s interview below to learn more about Arizona real estate investing and hard money lending

 

Versara Capital, LLC, is a hard money lender committed to providing real estate investors and business owners with trustworthy, efficient, and experienced lending services. For the last decade, they have been Arizona’s fastest, most reliable hard money lender. Their primary product is the standard fix and flip project but they also provide loans for purchase, refinance, cash out refi, rehab to rent, residential multifamily and commercial land. Unlike other lenders, they don’t shy away from lending on all types of properties including mobile homes. They are an asset-based lender, who focuses more on the real property than the individual’s creditworthiness, which allows investors to add a quick closing as a value add to their purchase offers.

Arizona Hard Money Loan Volume

SFR Analytics logo

According to SFR Analytics, here is the approximate quarterly volume of loans secured by investment real estate in Arizona which were funded by hard money lenders from January 2024 to December 2024.

  • Approximately $708,729,888 of hard money loans were funded in the 4th quarter of 2024 for 1,165 borrowers.
  • Approximately $744,380,104 of hard money loans were funded in the 3rd quarter of 2024 for 1,247 borrowers.
  • Approximately $817,447,135 of hard money loans were funded in the 2nd quarter of 2024 for 1,293 borrowers.
  • Approximately $642.135.893 of hard money loans were funded in the 1st quarter of 2024 for 1,220 borrowers.

Below are the approximate hard money loan volume amounts for Arizona’s metropolitan areas:

Phoenix-Mesa-Chandler, AZ

  • 2024 Q4: $605,063,161 for 939 borrowers
  • 2024 Q3: $608,840,946 for 1,016 borrowers
  • 2024 Q2: $704,804,985 for 1,057 borrowers
  • 2024 Q1: $561,901,627 for 995 borrowers

Tucson, AZ

  • 2024 Q4: $39,164,575 for 117 borrowers
  • 2024 Q3: $40,135,824 for 115 borrowers
  • 2024 Q2: $62,051,959 for 140 borrowers
  • 2024 Q1: $36,769,146 for 129 borrowers

 

SFR Analtyics provides advanced analytics for top-performing real estate investors and private lenders. Their platform provides nationwide, real-time property data, including market activity, ownership changes, and detailed buyer behavior insights. With custom dashboards and alerts, users can track active investor and lender activity, access rental market information, and analyze geographic and demographic trends. Their Private Lender Radar product gives lenders deep insights into borrower portfolios, lending activity, and verified contact details. For those needing bulk data, they supply updated daily records, including deeds, rental listings, demographic data, and building permits, to support informed decision-making across the residential real estate market..

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