Arizona Hard Money Lender

Fast, Flexible & Trusted Funding for Hard Money Loans

We offer first and second trust deeds with no prepayment penalties, no appraisal fees, and can fund in a matter of days.

Welcome to Source Capital, your direct Arizona hard money lender with more than 40 years of combined experience and over $550M funded in private money loans. Our in-house underwriting team offers a fast, asset-based approach—perfect for real estate investors, fix-and-flip projects, bridge loans, and refinance opportunities. Whether you’re focusing on a rental property in Phoenix, a commercial property in Scottsdale, AZ, or a new real estate investment in Tucson or Mesa, we provide short-term, private money loans designed to close quickly. With no prepayment penalty, no appraisal fees, and flexible loan terms, our Arizona hard money loans help you move forward with confidence in the Grand Canyon State’s competitive real estate market.

Our track record speaks for itself: licensed and regulated by the NMLS, we work directly with accredited investors to ensure your transaction proceeds smoothly—no bank delays or lengthy approval processes. At Source Capital, speed is our priority—apply now to get a written offer within 24 hours and funding in as little as 7–10 days.

Why Choose Source Capital as Your Arizona Hard Money Lender?

Arizona’s real estate market moves fast—and so do we. Here’s why borrowers and real estate investors trust Source Capital as one of the premier Arizona hard money lenders:

Fast Decisions

As a direct lender, our approval process is built for speed as we underwrite and make all decisions in-house. From the time we are initially contacted to the time the loan is funded, our streamlined process allows us to fund loans in a matter of days.

Proven Track Record

Since 2007 we have successfully funded over $550M in loans secured by real estate. We have earned our reputation as a lender known for speed, reliability, and fairness. Our team has the experience and ability to provide quick, direct answers to help expedite our client’s requests.

Well Capitalized

We’re a direct lender with immediate access to capital to lend. Because our company is backed by well established, accredited investors, there is always capital available to fund our loans. We are able to close quickly and with full transparency.

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 lenders don’t always fit the bill—especially in a fast-paced market like Arizona. Hard money lending offers a quicker, more flexible path to secure funds for acquisitions, renovations, or short-term projects. Whether you need to fix a property before resale, tap into your equity for a cash-out refinance, or bridge the gap between transactions, hard money loans can be the ideal solution.

At Source Capital, our Arizona hard money loans are based primarily on the value of the real estate collateral—rather than a borrower’s credit score, extensive financials, or long approval cycles. This simplifies the loan process and allows you to focus on what matters most: seizing timely, profitable investment opportunities.

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.

Loan Programs – Flexible Hard Money Lending Solutions

We secure all of our private money loans with residential properties, commercial property, or industrial real estate—offering a range of loan programs to match your unique goals:

Refinance Loans – Quickly unlock home or commercial equity to consolidate debt or pursue new real estate investment opportunities. With our asset-based approvals, you can expedite the closing process and secure funds when you need them most.
Investment Property Loans – From single-family rentals to multifamily buildings, we provide immediate capital to help you acquire or renovate income-generating properties. Our loan amount ranges from $100,000 to $5,000,000—sufficient for a variety of real estate projects.
Bridge Loans – Close the gap between transactions with our short-term bridge loans, perfect for borrowers awaiting more permanent financing or seeking quick liquidity for property purchases in competitive Arizona markets like Phoenix, Scottsdale, or Tempe.
Construction Loans & Rehab Loans – Planning to renovate, fix, or build? Whether it’s light construction projects or property rehab, our short-term hard money loans can serve as a valuable financing tool to move your project forward without the delays associated with traditional lenders.
Cash-Out Refinance Loans – Access the equity in your real estate to cover business expenses, new investments, or additional property loans—no prepayment penalty means you maintain maximum flexibility when market conditions change or opportunities arise.
Flip Loans – Ideal for fix & flip projects: secure quick funding to purchase, renovate, and resell for profit. We understand the importance of timing and streamlined approvals in flipping Arizona homes.

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

We proudly fund real estate loans across the entire state, including:

Phoenix – From downtown condos to suburban rental property
Scottsdale – Luxury developments, fix & flip opportunities, commercial space
Tucson – Diverse market with a growing population and strong real estate investment potential
Mesa – & Central Valley – Affordable entry points for real estate investment.
Tempe – Ideal for bridging or refinance needs near Arizona State University
And More – Including Surprise, Chandler, Gilbert, Glendale, Peoria, we cover all corners of the Grand Canyon State

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.

Apply Now

Arizona Hard Money Lender

We offer first and second trust deeds with no prepayment penalties, no appraisal fees, and can fund in a matter of days.

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

Loan Programs – Flexible Hard Money Lending Solutions

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!