Construction Loans in Arizona

We lend on the project, not just the land. Construction financing at Bridge Financial is structured around your draw schedule: capital is released in phases as work is completed and verified, so you are not paying interest on funds you have not drawn. We start with the exit — the sale, refinance, or takeout — and work backward to a loan structure that fits your timeline and budget.

Ground-up and value-add. We fund ground-up development across all commercial asset classes — multifamily, industrial, retail, office, mixed-use, hospitality, and specialty — as well as value-add renovations and tenant improvements. If the project is in Arizona and the numbers underwrite, we want to hear it.

Up to 85% of cost. On qualifying projects we can lend up to 85% of total project cost or 75% of completed value, with the structure tailored to the complexity of the deal. For projects that need additional leverage, we can layer in mezzanine debt or preferred equity through our structured capital program.

We are a direct lender. The principals who review your construction submission are the ones who approve it and fund it. No outside investor who can change the terms after you have a GC under contract, and no loan committee adding months to your start date. We close what we quote.

Arizona is our primary market. We are based in Tempe and have funded construction across the Phoenix metro, Tucson, Flagstaff, Prescott, and markets statewide. Our principals have been involved in more than $2 billion in Arizona real estate, previously operating as Oasis Financial.