Apache Junction Bridge Lenders for Residential Properties
Are you seeking a bridge loan secured by residential property in Apache Junction, AZ? On this page you'll find a list of select bridge lenders for properties with 1 to 4 units. To get a 1st lien bridge loan, you must have at least 30% equity and for a 2nd mortgage, at least 35% equity. Bridge loans are mainly for investment properties, but state laws allow bridge lenders to use an owner-occupied primary residence or 2nd home as collateral in some cases, mainly for when the funds are used for a business or investment purpose.Searching...
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Versara Capital
Mesa, Arizona based hard money lender.
Center Street Lending
Smarter Loans for Residential Investors
Capital Fund 1, LLC
Reliable Private Money for Your Real Estate Projects
Yieldi
Direct, Reliable Lender for Investment Properties
Certain Lending
The Mortgage Company Built for Real Estate Investors
American Heritage Lending
Direct Lender for Residential Real Estate Investors Nationwide
LendingOne
Rental, Fix & Flip, New Construction, Fix to Rent, SFR Portfolio Loans Nationwide
Hilton Financial Corporation
"When the bank says NO or moves too slow" ™
Groundfloor Lending
Fast Funding with Deferred Interest Payments
Casa Lending
Capital that keeps your project moving - Fix & Flip, Construction, DSCR
i Fund Cities
Direct Lender for Builders and Rehabbers
Kiavi
Servicing 18,000+ Real Estate Investors Across the Country
New Silver
Financing Outside The Box
HD Lending, LLC
Old School Hard Money for Arizona Investment Property and Owner-Occupied Homes
5 Local Arizona Bridge Loan Lenders
Here are the bridge loan lenders on our platform that are “local” lenders, based in Arizona…
- HD Lending, LLC
Based in Phoenix, HD Lending is has a unique offering for bridge loans secured by many types of real estate in Arizona, including owner-occupied homes. With HD, there is no minimum credit score and it’s OK if a borrower has other financial challenges. The key factor is equity. Their loan-to-value is conservative, maxing out at 65%, but they can cross collateralize with other properites. They love longer terms but don’t have a prepayment penalty. Loan amounts range from $15,000 to $3,000,000. - Private Money Funding, LLC | Scottsdale, AZ
PMF is a true asset-based lender offering bridge loans secured by real estate throughout Arizona. Their leverage formula is simple: 60% LTV. It’s the same for a purchase, refinance, equity cash out, rehab, 2nd mortgage. They don’t check credit and don’t require formal appraisals, and they don’t mind lending in rural parts of the state. They will lend on many types of real property – residential, multifamily, commercial, land, manufactured homes, cannabis-use properties. Loan amounts range from $500K to $10MM. - Versara Capital | Mesa, AZ
Versara offers bridge loans for improved residential properties, manufactured homes, mobile home, and land. They do not require appraisals for most deals, and they are not too concerned about credit scores. They can fund up to 80% of the purchase price for an acquisition. For a refinance, they can go up to 70% loan-to-value for improved property and 50% for land. - Hilton Financial Corporation | Phoenix, AZ
Hilton Financial funds up to 80% of the purchase price. They sometimes allow seller carry back or gap funding. They can go up to 65% loan-to-value for a refinance or equity cash out. They lend in only 4 other states besides Arizona. We have visited their office. - Capital Fund I | Scottsdale, AZ
Established in 2009, Capital Fund seems to be the largest bridge lender in Arizona, in terms of loan volume. They don’t check credit, don’t ask for personal tax returns, don’t require appraisals, and don’t charge prepay penalties. Capital Fund I lends in only 4 other states besides Arizona. We have met them in person at industry conferences.
Top 10 Bridge Loan Lenders in Arizona by Loan Count (Last 12 Months)
Based on data from Elementix, this ranking highlights the most active bridge 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 Bridge Loan Lenders by Loan Count (Past Quarter)
According to Forecasa™, here are the Top Bridge Lenders ranked by the number of Bridge 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 Bridge Loan Interest Rates
According to the loan documents software company, Lightning Docs, the average interest rate for Arizona bridge 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 rehab and ground-up construction loans) funded for properties in Arizona between April 1, 2026 and June 30, 2026 by multiple bridge lenders 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 bridge loans secured by residential investment properties in Arizona 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 bridge 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 Bridge Loans (Past 12 Months)
Based on data from Elementix, this ranking highlights the most active real estate investors in Arizona who utilize short-term bridge loans, measured by total borrowing volume over the past 12 months. Total loan volume may include long-term loans from banks and conventional lenders.
| 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 Bridge Loan Volume by Quarter (Past 12 Months)
Based on data from Elementix, the following figures show the estimated quarterly loan volume for short-term, business-purpose bridge loans secured by real estate in Arizona over the past 12 months.
Q2 2026: ~$866M across 472 loans
Q1 2026: ~$4.4B across 580 loans
Q4 2025: ~$1.2B across 587 loans
Q3 2025: ~$1.3B across 525 loans
Source: Elementix.ai (third-party data, not independently verified).
Transactions identified as private lender loans were excluded if the available public records did not clearly indicate whether the original loan term was less than 3 years.
