Arizona Hard Money Lenders

The online world of hard money lenders in Arizona can be a tough place to navigate, which is why we've researched the states top lenders.

If the idea of sorting through them all to find the right one feels overwhelming, don't worry — EmpireFunders has you covered.

Here you will find a list of the top verified and licensed private money lenders across Grand Canyon State.

Whether you are doing a ground-up construction project in Phoenix, refinancing an office building in Tucson or a cashing-out on a investment property in Scottsdale — EmpireFunders is a great resource to connect you with the perfect hard money lender for your project.

The Arizonian real estate market has historically been a hot spot for fix and flippers.

The state's population has been growing quickly due to its low cost of living, abundance of jobs and business-friendly environment.

Top Arizona Hard Money Loans Summary

Full summary of Arizona hard money loan providers




















The 5 Best Hard Money Lenders in Arizona

Fidelity Bancorp Funding

Where Other's See Obstacles We See Opportunity

Fidelity Bancorp Funding has over 30 years in the lending business and have funded 10,000 plus clients with over $10 billion dollars in capital. They provide a wide range of loan products including conventional mortgages, FHA, VA, USDA, small business and private money loans.

Their bridge loans start at 7.5% with a 75% LTV on multi-family, commercial and 1 to 4 unit residential properties.

Before You Apply
  • Loan Amount: Minimum of $500,000
  • FICO Score: Minumum of 598
  • Interest Rate: Minimum of 12.25%
Best Features:
  • $10+ billion funded and 10,000+ happy clients
  • Same day approvals and closing deals in as little as 10 days
  • Flexible and custom solutions at competitive rates and terms

Avatar Financial Group

Responsive Service. Quick Closings. Direct Lender.

Avatar Financial Group is a leader in commercial hard money bridge loans offering solutions for non-conforming, income-producing real estate nationwide (excluding Nevada).

They provide loans on commercial, industrial, multi-family, retail, hotels, office and residential real estate. Their loans from $1 million to $100 million.

Before You Apply
  • Loan Amount: Minimum of $500,000
  • FICO Score: Minumum of 650
  • Interest Rate: Minimum of 8.99%
Best Features:
  • Funds commercial bridge loans from $1m to $100m
  • Direct Lender - They Are Not Brokers
  • Many property types including commercial, industrial, multi-family, retail, hotels, offices and 1 to 4 unit residential

Seattle Funding Group

Seattle Funding Group is a proven West Coast based hard money lender with over 30 years experience and $1 billion in funded deals.

They provide a variety of specialized loan programs for construction, commercial and residential properties.

Their borrowers are a diverse group of Individuals, corporations, LLCs, partnerships, trusts, estates, international investors.

Before You Apply
  • Loan Amount: Minimum of $400,000
  • Interest Rate: Minimum of 7.99%
Best Features:
  • Over 30 years of experience
  • Loans from $300k to $15mil
  • Funds commercial, construction and residential projects

Capital Fund I, LLC

Reliable Private Money for Your Real Estate Projects

Capital Fund I has been operating in Arizona for the last 10 years and provides loans for commercial, construction, land, single family residences and fix & flips.

Their loans have a 6 month to 12 month term with low fees and a 75% loan to value ratio.

They also serve the Texas and Colorado markets.

Before You Apply
  • Note: We do not lend on owner-occupied properties
  • Loan Amount: Maximum of $15,000,000
  • Loan Amount: Minimum of $50,000
  • Interest Rate: Minimum of 7.99%
Best Features:
  • Fast closing (24 hours in some cases)
  • No credit check or appraisal required
  • In-house underwriting team can decide on most deals in 24 to 48 hours

Lead Funding

Adding to Your Succes

Lead Funding is a direct private lender out of Greenwood Village, Colorado.

They provide private funding to real estate investors located in Colorado, Arizona, Texas and Washington and cannabis loans in all states where the industry is legal.

They have specialized loan products for new construction, refinances, acquisition and fix & flips.

Before You Apply
  • Note: We do not lend on owner-occupied properties
  • Loan Amount: Maximum of $5,000,000
  • Loan Amount: Minimum of $100,000
  • Interest Rate: Minimum of 10%
Best Features:
  • No minimum down payment requirement
  • No credit check required
  • Quick closes, in 1 to 3 business days in most cases

Arizona Hard Money Stats

Loan Amounts
$25k to $125m
Interest Rates
3.99% to 15%
Term Lengths
1 to 360 months
Origination Points
1 to 5 points
Loan to Value Ratio
65% to 90%
Loan to Cost Ratio
65% to 100%
Closing Time
1 to 25 days

States Nearby

Looking for a Private Money Loan?

Select your state from the interactive map to find the best hard money lenders near you.
Whether you are looking for funding for a fix & flip, purchase, refinance or cash out, we have an extensive list of verified hard money lenders across the USA.
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