Surprise Hard Money Lenders
Need a hard money loan secured by real estate in Surprise, AZ? This page has a list of direct hard money lenders that offer quick funding for a 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 owner-occupied homes. 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.Searching...
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Center Street Lending
Smarter Loans for Residential Investors
Certain Lending
The Mortgage Company Built for Real Estate Investors
Groundfloor Lending
Fast Funding with Deferred Interest Payments
RCN Capital
Direct Lender for Residential Fix & Flip, Long-Term Rental, Bridge Loans
Kiavi
Servicing 18,000+ Real Estate Investors Across the Country
Yieldi
Direct, Reliable Lender for Investment Properties
i Fund Cities
Direct Lender for Builders and Rehabbers
Versara Capital
Mesa, Arizona based hard money lender.
American Heritage Lending
Direct Lender for Residential Real Estate Investors Nationwide
RBI Private Lending
Direct lender for Bridge Laons, Fix and Flip and Construction. Foreign nationals and new investors welcome.
Dunmor
Do More With Dunmor
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" ™
Top 20 Arizona Hard Money Lenders
According to Forecasa™, here are the Top Hard Money Lenders ranked by the number of loans* originated in Arizona from April 2025 to June 2025.
- Capital Fund I funded 222 loans
- Kiavi funded 106 loans
- Boomerang Capital Partners funded 88 loans
- EZ Homes Inc funded 80 loans
- Frank West Capital LLC funded 56 loans
- Oaktree Funding Corporation funded 49 loans
- Copa Capital funded 48 loans
- KMS Capital Group LLC funded 47 loans
- Phoenix Loans funded 46 loans
- Merchants Mortgage and Trust Corporation funded 44 loans
- Ron Swanson Holdings LLC funded 44 loans
- Bench Equity funded 44 loans
- Sell Wholesale Funding LLC funded 44 loans
- Certain Lending funded 44 loans
- Alta Funding And Investments LLC funded 44 loans
- Genesis Capital funded 44 loans
- Hd Lending LLC (Applewood Funding) funded 44 loans
- Quick Source Capital LLC funded 44 loans
- Lm2 Investment Group LLC funded 44 loans
- Geared Equity 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 Interest Rates
According to the hard money loan documents software company, Lightning Docs, the average interest rate for Arizona hard money loans in the 3rd quarter of 2025 was 10.30%. The average loan amount was $967,838. These stats are the average of 154 short-term loans (including bridge, rehab, and ground-up construction) funded for properties in Arizona between July 1, 2025 and September 30, 2025 by multiple hard money 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 Arizona hard money loans in the 3rd quarter of 2025 was 9.05%. Lenders charged an average of 1.6% points (origination fee). The average LTV (loan-to-value) for hard money loans in Arizona was 62%, and the average loan amount was $700,400. These stats are the average of all the loans which were funded between July 1, 2025 and September 30, 2025 by the many hard money lenders who use Liquid Logics’ loan origination software to manage their lending operations.
Top Arizona Investors Using Hard Money
According to Forecasa™, here are the some of the most active real estate investors in Arizona that use hard money lenders, ranked by the number of mortgage transactions* from January 2025 to August 2025.
- VAPA Investments LLC
- Investcorp
- Weekley Homes
- Trade In Holdings LLC
- Dreamsweet LLC
- KSW Properties LLC
- Coconut Properties LLC
- Lane Investments LLC
- Good News Group LLC
- Real Property Acquisitions LLC
- Vm Acquisitions LLC
- BTZKK Home Investments LLC
- Azflipcom LLC
- Browns Family Holdings LLC
- DEN21G LLC
- DES Holdings LLC
- New Village LLC
- Chomping Alligator LLC
- Mulberry Group LLC
- Creative Echelon LLC
Here are some of the lenders on our platform that have funded loans for the top residential real estate investors in Arizona recently:
Kiavi | American Heritage Lending LLC | Capital Fund I LLC* Many of these real estate investors also use banks and traditional financing, but Forecasa data shows that they have recently used a hard money lender for their property investments.
Forecasa™ empowers real estate professionals with data-driven insights to wholesalers looking for cash buyers, real estate investors tracking their competition, or lenders seeking new clients. With access to property acquisition data, investor profiles, and transaction patterns, you can quickly identify active buyers, match deals to the right investors, and move properties faster. Whether you buy a few credits for targeted lookups or subscribe for full market access, Forecasa helps you stay ahead of the competition and build relationships with the most active players in your area.
4 Local Arizona Hard Money Lenders
Here are the hard money lenders on our platform that are “local” lenders, based in Arizona…
- 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. - 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 $500K to $10MM. - 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. - 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 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
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 2025 to December 2025.
- Approximately $- of hard money loans were funded in the 4th quarter of 2025 for - borrowers.
- Approximately $732,453,095 of hard money loans were funded in the 3rd quarter of 2025 for 1,157 borrowers.
- Approximately $683,603,144 of hard money loans were funded in the 2nd quarter of 2025 for 1,347 borrowers.
- Approximately $669,929,919 of hard money loans were funded in the 1st quarter of 2025 for 1,255 borrowers.
Below are the approximate hard money loan volume amounts for Arizona’s metropolitan areas:
Phoenix-Mesa-Chandler, AZ
- 2025 Q4: $- for - borrowers
- 2025 Q3: $672,724,589 for 985 borrowers
- 2025 Q2: $604,986,801 for 1,146 borrowers
- 2025 Q1: $602,103,216 for 1,075 borrowers
Tucson, AZ
- 2025 Q4: $- for - borrowers
- 2025 Q3: $31,987,069 for 103 borrowers
- 2025 Q2: $36,090,476 for 123 borrowers
- 2025 Q1: $32,360,770 for 108 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..
