HARD MONEY LENDING SINCE 2007

Arizona Hard Money Lender

Fast, Flexible & Trusted Funding for Hard Money Loans

Secure a hard money loan for your next real estate investment and enjoy flexible terms, fast funding, and no appraisal fees

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.

Why Choose Source Capital as Your Arizona Hard Money Lender?

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.

Client Testimonials

“We were very pleased with the service we received from Source Capital. Communication was clear and responsive, funding was quick, and terms were as agreed and proposed.”

Brian OverstreetPresident, Advera Health Analytics

“Sacha and his team were on point from our first call to funding. They were professional and easy to work with. We will definitely be using them for our future transactions”.

Mark O’ToolePresident, Pacific Coast Home Mortgage & Real Estate Inc.

“The staff at Source Capital has helped me create new income streams. They are consistent, direct and deliver every time.”

Michael KornAgent, Keller Williams Realty

“As a lender myself, working with Source Capital shows that there are still a lot of good people in our industry, and we will definitely be in connection to do future business together. Job well done.”

Anthony TrujilloMortgage Broker, Paramount Partners

“I have never dealt with a hard money lender before but I can tell you my experience with Source Capital was very positive. I highly recommend”

Courtney RothClient

“Recently completed another flawless transaction with Source Capital. Why would anyone want to go anywhere else? They’re the best.”

Marianne BordognaAgent, Keller Williams Realty

“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 AbbudSenior Loan Officer, Better Rate Mortgage

“The team at Source are consummate professionals who work efficiently and effectively. Simply stated- truly exemplary and professional people”

Paul ElamOwner, San Diego’s Real Estate

“Source Capital has been an absolute pleasure to work with throughout. These guys are on top of their game.”

Tyler HansonAssociate Broker, Cushman & Wakefield

“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 ShieldsOwner, GSI Appraisals

“They were very responsive and extremely helpful and would certainly use them again. I highly recommend their services.”

Alvin FuchsAgent, Keller Williams Realty

“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 HeathClient

“I have always had a highly professional and honest experience with everyone on their team and would recommend to anyone looking for financing.”

Andrew BellahOwner, The Bellah Group

“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 MarcusClient

“Smooth and fast transaction as the loan was funded in 8 days. They are a pleasure to work with – Strongly Recommended.”

Borna EftekariAgent, Farmers Insurance

Loan Terms & Highlights in Arizona

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.

APPLY NOW

Why Arizona Hard Money?

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:

Fix-and-Flip Investors – Purchase a property, fix it up, and sell it for a profit with a hard money loan.
Bridge Financing – Get the money you need to invest in another property before you sell the property you currently own.
Distressed Property Purchases – Financing for foreclosures, REOs, and auction properties.
Cash-Out Refinancing – Take advantage of the equity you have in your home to get access to capital you can use to invest in real estate.
Business Purpose Loans – Fund real estate-backed business ventures without delays.

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.

Recently Funded Deals in Arizona

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:

Phoenix, Arizona Hard Money Refinance Loan
Commercial

$594,500

Surprise, Arizona Hard Money Blanket Refinance Loan

$775,000

Phoenix, Arizona Hard Money Refinance Loan

$115,000

Scottsdale, Arizona Hard Money Refinance Loan

$375,000

Phoenix, Arizona Hard Money Refinance Loan
Commercial

$300,000

Phoenix, Arizona Hard Money Refinance Loan

$100,000

Phoenix, Arizona Hard Money Refinance Loan

$230,000

Phoenix, Arizona Hard Money Refinance Loan

$300,000

Phoenix, Arizona Hard Money Refinance Loan

$150,000

San Tan Valley, Arizona Hard Money Refinance Loan

$300,000

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.

Arizona Hard Money Lender

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

Refinance Loans – If you have an existing loan you want to refinance, we can help. Refinancing your current loan can help you lower your interest rate or monthly payment.
Investment Property Loans – Our investment property loans are ideal if you want to invest in rental property or a buy and hold. Get access to competitive rates, flexible terms, and an easy application process.
Commercial Hard Money Loans – Whether you’re looking to purchase an office or warehouse, we can finance your commercial real estate venture. We don’t offer loans for restaurant and hospitality properties.
Probate & Estate Loans – Get access to the money that’s owed to you and start investing before an estate has been settled.
Bridge Loans – If you’re investing in property and haven’t sold your existing property, you can use a bridge loan to finance your new property purchase while you wait for your existing property to sell.
Cash-Out Refinance Loans – Need access to extra cash to invest more? A cash-out refinance loan from Source Capital is a great way to tap into the equity in your existing property to put some extra capital in your wallet.

How to Get Approved for an Arizona Hard Money Loan

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.

Get Funded Now

Cities We Serve in Arizona

From South Tucson to Phoenix, we fund real estate loans across the state:

Surprise – A smaller city with excellent weather, Surprise is a great place for investors looking for affordable properties.
Chandler – As the fourth-largest city in Arizona, Chandler is home to a wide range of real estate investment opportunities.
Phoenix – Phoenix is the largest city in the state, making it a prime destination for investors.
Tempe – This medium-sized city is ideal for residential real estate investors.
Mesa – Mesa is the third-largest city in Arizona and an excellent destination for rental property investors.
Scottsdale – With a population well over 200,000, Scottsdalle offers a wide range of investment opportunities.
Gilbert – Located in the southeastern Phoenix metropolitan area, Gilbert offers a great mixture of residential and commercial real estate.
Glendale – Glendale offers a lot of potential for residential investors, from buy and holds to rental properties.
Peoria – Peoria is a good real estate market for investors who aren’t looking to spend top dollar on residential property.
South Tucson – One of the more volatile markets, South Tucson is rife with opportunities for investors.

Arizona Hard Money Lender FAQs

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:

Apartments and condos
Single-family homes
Duplexes, triplexes, and quadruplexes

Commercial properties:

Office spaces (including medical offices)
Industrial buildings (warehouses and distribution centers, manufacturing facilities)
Large, multi-family units including complexes and planned communities

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:

Speed: We offer fast approval and funding times, allowing you to get approved for a loan and receive your money in as little as 7 days.

Flexibility: Source Capital can work with you to help you secure a loan even if you’ve had trouble securing a traditional loan due to your income or credit.

Security: Hard money loans in Arizona are secured by real estate as collateral for the loan.

Investment opportunities: We understand opportunities arise for our clients and are often time sensitive. With Source Capital, you can quickly get the money you need so you don’t miss out with our simple, straightforward process.

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.

What cities in Arizona do you lend in?

We lend throughout the state but mainly focus on more urban than rural areas. Phoenix, Scottsdale, Glendale, Mesa, Chandler, Gilbert, and Tucson are just a few of the cities we lend in and their respective outlying areas.

Get Funded Fast – Apply Today!

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.

What We Offer

Same Day Approvals
Rates starting at 8.99% Interest
Poor Credit OK
No Debt to Income Requirements
No Prepayment Penalties
No Appraisal Fees
$100,000 to $5,000,000 Loan Amounts
Residential, Commercial, Industrial
1st & 2nd Trust Deeds
Up to 65% Loan-to-Value (LTV)
Up to 50% Combined LTV (2nd Loans)
Closings in 7-10 Days

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.

Apply Now

HARD MONEY LENDING SINCE 2007

Arizona Hard Money Lender

Secure a hard money loan for your next real estate investment and enjoy flexible terms, fast funding, and no appraisal fees

Why Choose Source Capital as Your Arizona Hard Money Lender?

Client Testimonials

Loan Terms & Highlights in Arizona

Why Arizona Hard Money?

Recently Funded Deals in Arizona

Arizona Hard Money Lender

How to Get Approved for an Arizona Hard Money Loan

Cities We Serve in Arizona

Arizona Hard Money Lender FAQs

Get Funded Fast – Apply Today!

What We Offer