Arizona Hard Money Loans
Direct hard money lender in Arizona for fast, reliable funding.
- Direct Private Lender
- Loans ranging from $100K-$5M
- Quick Approvals. Fast Funding
What is an Arizona Hard Money Loan?
A hard money loan in Arizona is a short-term financing solution secured by real estate as collateral. Unlike banks, hard money loans help real estate owners and purchasers quickly get the capital they need in just days.
- No minimum credit score requirements
- Past bankruptcy and foreclosure
- No minimum financial reserves or employment required
- Individuals, Small Business, Corporations. LLC
Why Hard Money?
Terms
Up to 65% LTV and loan amounts from $100,000 to $5,000,000.
Speed
Direct access to capital for fast funding.
Requirements
No minimum credit scores or income requirements.
Benefits
No appraisal fees, prepayment penalties or “junk fees”.
How to Qualify for a Hard Money Loan in Arizona?
A hard money loan in Arizona is a short-term, asset-based financing option secured by real estate rather than borrower income or credit history. These loans are commonly used by investors and property owners who need fast capital for acquisitions, renovations, refinancing, or time-sensitive investment opportunities.
To qualify for hard money loans in Arizona, borrowers typically need:
- Sufficient equity in the subject property or adequate down payment
- A clear exit strategy, such as resale or refinancing
- Property located in Arizona with viable market value
- Basic transaction and property documentation
- LLCs, corporations, and foreign nationals may qualify
Arizona Loan Programs
Hard Money Loans
Get short-term, asset-based hard money loans across Arizona, designed for real estate investors statewide.
Bridge Loans
Use your existing equity and a bridge loan in Arizona to fund a real estate sale and purchase.
Private Money Loans
Get fast approval for your real estate with a private money loan in Arizona
Real Estate Loans
Use a real estate loan for purchasing, improving, or refinancing investment properties.
DSCR Loans
Get speedy funding for long-term rental properties with a DSCR loan.
Owner-Occupied Loans
Secure flexible owner-occupied loans in Arizona for refinances with faster underwriting.
What Arizona Borrowers Say About Us
How It Works
It takes minutes to complete our online application to get prequalified for a loan.
After underwriting your loan, we will provide you a written Loan Commitment providing loan terms for approval.
In a matter of days, not weeks like most lenders, the loan is funded through escrow and funds wired to you directly.
You make monthly payments via mail, phone or direct deposit. It’s that easy.
Why Choose Source Capital
Diverse Financing Solutions
Get flexible financing solutions across Arizona for commercial properties, residential investments, and quick-closing real estate opportunities.
Competitive Rates
We offer competitive interest rates between 8.99% to 11.99% for real estate loans across Arizona.
Proven Success
We’re an A+ Accredited Business committed to ethical practices and efficient funding.
Strong Brand Recognition
We’re a renowned private money lender in Arizona with prominent features in Business Insider, MSN, and Realtor.
Deal Directly with the Lender.
Arizona Loan Rates
|
Interest Rates |
8.99% – 11.99% (1st Position)
11.99% – 13.99% (2nd Position) |
|
Loan Amounts |
$100,000 – $5,000,000 |
|
Loan Duration |
12-24 months |
|
Closing Timeframe |
10 business days or less |
|
LTV ratios |
Up to 70% LTV (1st Position)
Up to 60% LTV (2nd Position) |
|
Prepayment Penalty |
None |
|
Appraisal Fee |
None |
|
Credit Score |
No minimum |
|
Property Types |
SFR, multifamily,commercial, industrial, office, retail, and mixed-use. |
|
Origination Fee details |
Starting from 2.0% of loan amount (varies by size & term length) |
Cities We Serve in Arizona
- Chandler
- Gilbert
- Glendale
- Mesa
- Peoria
- Phoenix
- Scottsdale
- Surprise
- Tempe
- Tucson
- And More
As Featured In
Testimonials
“Smooth and fast transaction as the loan was funded in 8 days. They are a pleasure to work with – Strongly Recommended.”
Borna Eftekari
- Agent, Farmers Insurance
“They are always so patient, helpful, and professional. and have helped me so much! This can be such a stressful process, but they make it all so easy.”
Lauren Marcus
- Client
“I have always had a highly professional and honest experience with everyone on their team and would recommend to anyone looking for financing.”
Andrew Bellah
- Owner, The Bellah Group
“Highly recommend Source Capital Funding if you need money fast and you value efficiency. I will go back to them again if I need funding in the future.”
Kendall Heath
- Client
“They were very responsive and extremely helpful and would certainly use them again. I highly recommend their services.”
Alvin Fuchs
- Agent, Keller Williams Realty
“In all my years, I can confidently say they are the most professional, prompt, courteous, and efficient private lender I have ever worked with!”
Greg Shields
- Owner, GSI Appraisals
“Source Capital has been an absolute pleasure to work with throughout. These guys are on top of their game.”
Tyler Hanson
- Associate Broker, Cushman & Wakefield
“The team at Source are consummate professionals who work efficiently and effectively. Simply stated- truly exemplary and professional people”
Paul Elam
- Owner, San Diego’s Real Estate
“The team at Source Capital Funding was fantastic. Their professionalism, speed and solid loan terms is why I will be coming back to close more business with them.”
Sergio Abbud
- Senior Loan Officer, Better Rate Mortgage
“Recently completed another flawless transaction with Source Capital. Why would anyone want to go anywhere else? They’re the best.”
Marianne Bordogna
- Agent, Keller Williams Realty
Recently Funded Transactions
Hard Money Loan Resources for Arizona Borrowers
- Blog, Bridge Loans
Bridge loans are short-term financing solutions that help borrowers cover funding gaps while they wait
- Blog, Hard Money Loans
A hard money loan can be a valuable financing solution, but are hard money loans
- Blog
California’s real estate market moves fast. Whether you’re purchasing an investment property, funding a renovation,
- Blog
Hard money loans are designed to provide fast, asset-based financing for two main reasons: for
Get prequalified today
Frequently Asked Questions about Arizona Hard Money Loans
How do hard money loans work in Arizona?
Hard money loans in Arizona are short-term loans secured by real estate rather than a borrower’s credit or income. They are typically funded by private lenders and based primarily on property equity. These loans are commonly used for investment purchases, renovations, or refinancing, and applicants can apply online to check eligibility.
When to consider a hard money loan?
What are the current hard money loan rates in Arizona?
Hard money loan rates in Arizona vary based on property type, loan-to-value ratio, and risk profile, but current rates typically range between 8-12.5%. Rates are typically higher than those for conventional mortgages due to faster funding and more flexible underwriting. Final terms depend on the specifics of the deal.
What are the requirements for a hard money loan in Arizona?
Requirements generally include sufficient equity in the property, a viable exit strategy, and basic property documentation. Credit score and income are not primary approval factors. Borrowers using LLCs or investment entities may still qualify based on asset strength.
How fast can I get funded?
Many hard money loans in Arizona can close within 7–10 days once documentation is complete. Initial approvals or term sheets may be issued within 24–48 hours, depending on the deal.
What types of properties qualify for an Arizona hard money loan?
Eligible properties include residential investment homes, retail centers, multifamily properties, office buildings, industrial assets, and other commercial real estate. Property condition and resale or refinance potential are key underwriting factors.
Who are the best hard money lenders in Arizona?
The best hard money lenders in Arizona are typically private lenders focused on asset-based underwriting and fast execution. Source Capital is recognized as one of the top lenders in the space for our direct lending model, competitive financing options, and experience across Arizona’s residential and commercial markets.
What fees are associated with hard money loans?
Fees may include origination fees, underwriting charges, and standard closing costs, depending on the lender and structure. These are disclosed upfront before funding. Borrowers should review all loan terms carefully before closing.