Best Hard Money Lenders in Arizona (2026)
Compare hard money lenders serving Arizona real estate investors. We found 5 lenders offering hard money loans in Arizona — see rates, LTV, credit requirements, and expert reviews below.
Investing in Arizona
Explosive population growth, TSMC semiconductor investment transforming the east Valley, strong appreciation play. Phoenix metro is one of the top markets for long-term appreciation.
Key Markets
Typical Rates
10%–14%
Max LTV
65%–75% of ARV
Typical Terms
6–24 months
Min Credit
Flexible (550–650)
Hard Money Lenders Serving Arizona
| Lender | Rates | Max LTV | Min Credit | Loan Range | Speed | Rating |
|---|---|---|---|---|---|---|
| Civic Financial Services | 7.5%–12% | 80% | 640 | $75K–$5M | 10–21 days | 4.1 |
| New Silver | 7.5%–13% | 80% | 650 | $100K–$5M | 5–10 days | 4.0 |
| Aloha Capital | 8%–12% | 80% | 650 | $150K–$3M | 7–14 days | 4.0 |
| Roc Capital | 7%–12% | 80% | 620 | $75K–$5M | 10–21 days | 3.9 |
| Park Place Finance | 9%–13% | 75% | 600 | $50K–$2M | 7–14 days | 3.7 |
Civic Financial Services
4.1Civic Financial Services is a private money lender offering business purpose loans including fix-and-flip, bridge, and DSCR products. A subsidiary of Pacific Western Bank, providing institutional backing with private lender flexibility.
7.5%–12%
80%
640
10–21 days
$75K–$5M
No experience required
New Silver
4.0New Silver is a technology-first hard money and DSCR lender that emphasizes speed, offering instant term sheets and same-day pre-approvals. A strong option for fix-and-flip investors who need certainty and speed.
7.5%–13%
80%
650
5–10 days
$100K–$5M
No experience required
Aloha Capital
4.0Aloha Capital is a tech-enabled hard money lender offering fix-and-flip and bridge loans with a focus on transparency and speed. Known for clear pricing and a streamlined digital process.
8%–12%
80%
650
7–14 days
$150K–$3M
1–2 deals
Roc Capital
3.9Roc Capital (Roc360) is a nationwide hard money and DSCR lender providing fix-and-flip, bridge, and rental loans for real estate investors. Known for a wide product suite and competitive pricing.
7%–12%
80%
620
10–21 days
$75K–$5M
No experience required
Park Place Finance
3.7Park Place Finance is a private lender specializing in hard money, bridge, and fix-and-flip loans. Known for flexibility on property types and deal structures.
9%–13%
75%
600
7–14 days
$50K–$2M
No experience required
About Hard Money Loans in Arizona
Short-term, asset-based loans primarily used for fix-and-flip projects and bridge financing. Fast closings (7–14 days), minimal borrower qualification, but higher rates and shorter terms than permanent financing.
Arizona real estate investors use hard money loans for fix-and-flip investors and investors needing fast closings. Compare hard money terms from multiple lenders to find the best fit for your Arizona investment strategy.
Other Loan Types in Arizona
Hard Money Lenders in Nearby States
Analyze Your Arizona Deal
Use our free calculator to see if your Arizona investment works with Hard Money financing.