Yuma County Hard Money Lenders
Need a hard money loan secured by real estate in Yuma County, 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 or 2nd lien position. Hard Money lending is mainly for investment properties, but state laws allow lenders to use owner-occupied homes as collateral for business-purpose loans. 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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Versara Capital
Mesa, Arizona based hard money lender.
Center Street Lending
Smarter Loans for Residential Investors
New Silver
Financing Outside The Box
Yieldi
Direct, Reliable Lender for Investment Properties
Casa Lending
Capital that keeps your project moving - Fix & Flip, Construction, DSCR
Certain Lending
The Mortgage Company Built for Real Estate Investors
Private Money Funding
No Appraisals. No Credit Check Required. Quick Closings. Real Results. An AZ asset-based lender.
Groundfloor Lending
Fast Funding with Deferred Interest Payments
Hilton Financial Corporation
"When the bank says NO or moves too slow" ™
Capital Fund 1, LLC
Reliable Private Money for Your Real Estate Projects
HD Lending, LLC
Old School Hard Money for Arizona Investment Property and Owner-Occupied Homes
i Fund Cities
Direct Lender for Builders and Rehabbers
American Heritage Lending
Direct Lender for Residential Real Estate Investors Nationwide
LendingOne
Rental, Fix & Flip, New Construction, Fix to Rent, SFR Portfolio Loans Nationwide
Kiavi
Servicing 18,000+ Real Estate Investors Across the Country
5 Local Arizona Hard Money Lenders
Here are the hard money lenders on our platform that are “local” lenders, based in Arizona…
- HD Lending, LLC
Based in Phoenix, HD Lending is an old school Arizona hard money lender that has a very unique offering for a variety of scenarios for short-term and long-term needs – investment bridge, 2nd mortgage cash out, primary residence bridge, 30-year owner-occupied home loans (1st or 2nd), land loans, construction and more. They don’t have a minimum FICO score and don’t mind if a borrower is in foreclosure or has had a bankruptcy. They love longer terms but don’t have a prepayment penalty. Loan terms are either 12 years or 30 years. Their loan amounts range from $15,000 to $3,000,000. - 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.
Top 10 Hard Money Lenders in Arizona by Loan Count (Last 12 Months)
Based on data from Elementix, this ranking highlights the most active hard 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 Hard Money Lenders by Loan Count (Past Quarter)
According to Forecasa™, here are the Top Hard Money Lenders ranked by the number of 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 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 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 properties in Arizona between April 1, 2026 and June 30, 2026 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 1st quarter of 2026 was 7.49%. Lenders charged an average of 3.4% points (origination fee). The average LTV (loan-to-value) for hard 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 hard money lenders who use Liquid Logics’ loan origination software to manage their lending operations.
Top 10 Real Estate Investors in Arizona Using Hard Money (Past 12 Months)
Based on data from Elementix, this ranking highlights the most active real estate investors in Arizona who utilize hard money loans, measured by total borrowing volume over the past 12 months. Total loan volume may include 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 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 by Quarter (Past 12 Months)
Based on data from Elementix, the following figures show the estimated quarterly loan volume for short-term investment real estate lending 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.
