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Hard Money Lenders in Arizona
6 of the 13 national hard money lenders we compared say on their websites that they lend in Arizona. The lowest advertised starting rates among them: Lima One Capital (as low as 7.75%), Kiavi (as low as 8.25%), Easy Street Capital (starting at 8.90%). 4 exclude Arizona or leave it off their published state lists.
National lenders that lend in Arizona
| Lender | Fix-and-flip rate | Max leverage | Min credit score | Loan size | Time to close |
|---|---|---|---|---|---|
| Lima One Capital | As low as 7.75% | Up to 95% LTC, 75% of ARV, 100% of rehab | 660 | $100K to $5M | Within 3 weeks for repeat borrowers; Bridge Plus in as few as 7 days |
| Kiavi Bridge loans in Arizona are originated by Figure Lending LLC. | As low as 8.25% | Up to 100% LTC / 80% ARV (an FAQ on the same page says up to 95% LTC) | Not stated | $100K to $5M | As few as 7 days |
| Easy Street Capital | Starting at 8.90% | Up to 93% LTC (90% of purchase, 100% of rehab), up to 75% of ARV | 600 | $75K to $5M+ | As little as 24 to 48 hours (its pages give both) |
| Sherman Bridge | As low as 9.99% | Not stated | Not stated | Not stated | Not stated |
| LendingOne | Not published | Up to 92.5% LTC, 100% of rehab | Not stated | $100K to $3M | As little as 5 days (its FAQ says 10 business days) |
| Griffin Funding | Not published | Not stated | Not stated | From $100K | Often 7 to 10 days |
Rates are each lender's advertised starting rate for fix-and-flip loans. Click a lender for its full terms.
Other regional lenders that list Arizona
Tidal Loans
Houston, TX. Phone: 832-757-1262.
- Loans: Fix and flip, new construction, bridge, DSCR rental, transactional funding, multifamily, commercial
- Loan size: Not stated
- Rates: Not published; up to 90% of purchase and 100% of rehab
- Where: Lends in most states; does not lend in AK, CA, DE, HI, MN, ND, NM, NV, OR, SD, UT
Lenders that exclude Arizona or do not list it
- New Silver: not on its published state list
- Express Capital Financing: excludes Arizona on its website
- Upright: not on its published state list
- Ternus: excludes Arizona on its website
Lenders that do not publish a state list
Groundfloor, RCN Capital, CoreVest do not publish which states they lend in. Ask them directly about Arizona.
Compare all national hard money lenders
Frequently asked questions
Who are the hard money lenders in Arizona?
6 of the 13 national hard money lenders we compared say on their websites that they lend in Arizona. The lowest advertised starting rates among them: Lima One Capital (as low as 7.75%), Kiavi (as low as 8.25%), Easy Street Capital (starting at 8.90%). 4 exclude Arizona or leave it off their published state lists.
What do hard money loans cost in Arizona?
Among national lenders that lend in Arizona, the lowest advertised starting rates are Lima One Capital (as low as 7.75%), Kiavi (as low as 8.25%), Easy Street Capital (starting at 8.90%). Points and fees come on top, and starting rates go to the most experienced borrowers with strong credit. Check each lender's terms.