
Google 5-Star Rated Direct Hard Money Lender
Source Capital has been working hard to help real estate investors achieve their goals through Arizona hard money loans. We’ve been in business since 2007, and we’ve funded more than $550 million in that time. With flexible loan terms and a streamlined application and approval process, Source Capital makes it easy to get approved for a loan so you can start investing.
Traditional loans are right for some people, but there are a number of potential obstacles. You need to meet credit score and income requirements to get approved for a loan, and getting your loan approved and funded can take several weeks. Source Capital can approve and fund your loan in as few as 7–10 days, which means you don’t have to wait around just to find out your loan was denied.
Our team specializes in hard money loans, and we offer loans for a vast array of real estate investment opportunities. We can finance your next rental property investment, fix-and-flip, buy and hold, and even commercial real estate investments. We have the knowledge and experience to make sure you’ve got a loan that works for you financially and fits the property you’re purchasing.
Whether you’re just getting started as a real estate investor or have years of experience, Source Capital is your go-to source for Arizona hard money loans. With loan amounts ranging from $100,000 to $5,000,000, we can fund just about any real estate venture you can imagine.
The Arizona real estate market can be competitive, so you need to do everything you can to gain an advantage. At Source Capital, we specialize in providing hard money loans that make it easier for investors to compete in fast-growing markets like Phoenix and Mesa.
Fast Decisions
Time is a key factor when you’re investing in real estate, and traditional loans can take several weeks to approve and fund. If you’re in a hurry to make an offer on a potentially lucrative property, Source Capital can help you get the funding you need to beat the competition.
Proven Track Record
We’ve been in business since 2007, and we’ve funded more than $550 million since we started. If you’re looking for an Arizona hard money lender you can trust, Source Capital is an easy choice. Whether you’re an experienced investor or you’re just getting started in the real estate game, our experts can help you secure the capital you need to invest.
Well Capitalized
Finding a lender who can finance larger loans can be challenging, especially if you don’t meet strict income and credit score requirements. All of our loans are backed by accredited investors, which means we have the capital to finance your next real estate venture whether you need $100,000 or $5,000,000.
As a direct Arizona hard money lender, we tailor our loan programs to meet the needs of real estate investors, developers, and business-purpose borrowers statewide. Here’s what you can expect:
INTEREST RATES | 8.99% – 11.99% – First Position 11.99% -13.99% – Second Position | LOCATION | Arizona, California, Colorado, Minnesota and Texas only |
LOAN AMOUNTS | $100,000 – $5,000,000 | TYPES OF LOANS | Acquisition, Refinance and Cash-Out |
LOAN DURATION | 12-24 months | LIEN POSITION | First and Second Trust Deeds Only |
ORIGINATION FEE | Starting at 2.0% of loan amount, depending on loan size and length of term | PROPERTY TYPES | Owner and Non-Owner Occupied Residential. Multifamily, Commercial, Industrial, Office, Retail, Mixed Use |
LOAN TO VALUE | Up to 65% LTV in first position Up to 50% CLTV in second position | APPRAISAL FEE | None |
CLOSING TIMEFRAME | 10 business days or less | PREPAYMENT PENALTY | None |
These loan terms give you a straightforward, cost-effective alternative to conventional financing—ideal for Arizona hard money loans, whether you’re acquiring a new investment property or managing a refinance.
Traditional loans can be a good option for those who qualify, but credit score and income requirements can make it difficult to get approved. Even if you do get approved, you might have to wait months before your loan is approved and funded. While you’re waiting, the property you’ve been looking at might go off the market.
Time is of the essence when you’re investing in real estate, and you can’t make a timely offer if you haven’t secured a loan. Source Capital helps you stay active in the real estate market with funding and approval in as little as 7–10 days. That’s why our Arizona hard money loans are perfect for a wide range of investors:
Whether you’re investing in commercial or residential real estate, Source Capital makes your life easy with a streamlined loan process. We offer competitive rates and flexible loan terms, which means you can save money and avoid the hassle that comes with applying and getting approved for a traditional loan.
We’re proud of our fast funding and transparent approval process for Arizona borrowers. Here are a few recently funded hard money loans in Arizona:
These success stories highlight our commitment to short closing times, flexible loan terms, and a streamlined loan process—wherever you are in Flagstaff, Tucson, or anywhere in Arizona.
At Source Capital, we offer Arizona hard money loans that are specifically designed for investors. You don’t have to have a high credit score or income to get approved. We don’t offer unsecured loans and we don’t provide loans for primary residences.
Source Capital provides Arizona hard money loans that make investing easy. Our loans are asset-based, which means we don’t have the same credit score and income requirements as other lenders. You can also get your loan approved and funded in as little as 7–10 days, and we offer a wide range of loan options.
Hard Money Loan Programs
1. Apply Online
It takes minutes to complete our simple, online application to get prequalified for a loan.
2. Get Approval
After underwriting your loan, we will provide you a written Loan Commitment providing loan terms for approval.
3. Loan Funded
In a matter of days, not weeks like most lenders, the loan is funded through escrow and funds wired to you directly.
4. Pay Monthly
You make monthly payments via mail, phone or direct deposit. It’s that easy.
From South Tucson to Phoenix, we fund real estate loans across the state:
What type of loans do you offer in Arizona?
We provide business-purpose hard money loans for residential, commercial, and industrial properties—ranging from $100K to $5M. Whether you’re looking for property loans, construction projects, or a cash-out refinance, our private money lending process is designed for speed and flexibility.
How quickly can I get funded in Arizona?
With our in-house underwriting, we can provide a written offer in 24 hours and typically fund in 7–10 days. For time-sensitive deals, we work diligently to expedite the process whenever possible.
Are hard money loans legal in Arizona?
Yes. Hard money lending is regulated by Arizona state law. We adhere to all applicable regulations to ensure a smooth, compliant transaction for both first- and second-position loans.
What types of properties can be financed with an Arizona hard money loan?
At Source Capital, we work hard to help you get the financing you need for various types of properties — from residential homes to commercial warehouses and industrial condominiums.
Here are some of the types of properties we can help you finance:
Residential properties:
Commercial properties:
What are the benefits of working with Arizona hard money lenders?
Whether you’re applying for hard money loans in Colorado or Arizona, there are several benefits to working with hard money lenders like Source Capital:
What credit score do I need for an Arizona hard money loan?
We do not have a strict credit score requirement. Our loans focus on the property’s equity and purchase price, making them accessible to a wide range of borrowers.
What kind of clients does Source Capital work with in Arizona?
Source Capital works with all types of clients from real estate investors, flippers, and developers to business owners, families, and individuals who need financing.
Since our hard money loans in Arizona are secured by collateral, we don’t have strict rules on your credit score or financial history. We have experience lending to individuals with a history of bankruptcy, foreign nationals, and self-employed professionals.
Simply put, we can help all types of clients and if you have any questions, feel free to give us a call at 888.249.9827.
What are the typical loan terms in Arizona?
We offer short-term, interest-only payments, generally due in 1 to 2 years. Loan rates typically range from 8.99% to 13.99%, with no prepayment penalty.
Can I qualify if I have poor financials?
Absolutely. As our main focus is centered on the property being used as collateral for the loan, financial strength is not a requirement to obtain a loan with us. We understand there is a reason client’s come to us and do our best to provide a loan option that will work for you, whatever the situation may be.
Provide us some brief information about your hard money needs and a decision maker will get back to you as soon as possible to discuss.
NOTE: All loans are secured by real estate in AZ, CA, CO, TX and MN ONLY. We DO NOT fund ARV loans or do 100% financing.