Hard Money Loans
Hard money loans backed by the asset, not your tax returns. We underwrite the deal: location, value, exit. We move fast. No committees, no delays.
Term
6 – 18 Months
Basis
Asset-Based
LTV
Up to 70%
Close Time
As Fast as Days
Want pricing? Call to discuss — (480) 345-3990
Who Hard Money Works For
Hard money lending is the right tool when speed, flexibility, or situation complexity rules out conventional financing.
Common Scenarios
- Time-Sensitive Acquisitions
- Cash-Out Refinances
- Non-Bankable Borrowers
- Distressed or Transitional Assets
- Bridge to Permanent Financing
Property Types
- Commercial Real Estate
- Non-Owner Occupied Residential
- Mixed-Use
- Land
Our Underwriting
- Exit-First Analysis
- Asset Value & Location
- Borrower Experience
- No Committee Approval
Recent Closings
Hard Money Deals We've Funded
A sample of recent asset-based private lending transactions.
Residential Refinance
- Hard Money / Direct Lending
- $350,000
- Cash Out Refinance
- 75% LTC / 60% LTV
Residential Refinance
- Hard Money / Direct Lending
- $350,000
- Cash Out Refinance
- 75% LTC / 60% LTV
FAQ
Hard Money Loans in Arizona
What is a hard money loan?
A short-term loan underwritten mainly on the real estate — its value, location, and exit — rather than the borrower's tax returns. It is built for speed and for deals conventional lenders won't do.
How much can I borrow?
Up to 70% LTV, with terms from 6 to 18 months.
Do you make hard money loans on homes?
On non-owner-occupied investment property only, along with commercial real estate, mixed-use, and land.
How is hard money different from a bridge loan?
They overlap. Hard money leans more heavily on the asset and suits non-bankable borrowers and urgent timelines; our bridge loans offer slightly higher leverage, up to 75% LTV, and terms up to 24 months.
How fast can you close?
As fast as days once title, valuation, and diligence are in hand.
Direct Lending
Work Directly With the Lender
Bridge Financial is a direct lender: the principals who review your deal are the ones who approve and fund it.
Get Started
Have a Deal That Fits? Let's Talk.
Tell us about your deal. We'll review quickly and respond directly, typically within 24 hours.
Or call us at
(480) 345-3990