Direct Hard Money Private Lenders
Arizona Hard Money Loan

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Over $40,000,000 Funded

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Residential From 7.99% APR*
Fix & Flip 90% LTV with 100% of Rehab*

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No More Begging, No Jumping Through Hoops
No Tax Returns, No Pay Stubs or No Credit Required
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We Specialize in Arizona Hard Money Loan

 No More Begging

No Jumping Through Hoops

No Tax Returns

 No Pay Stubs*

 No Credit Required

 No Up Front Fees or Junk Fees

Flexible Terms From 3 to 60 Months

 Fixed Rate From 7.99% APR*

Up to 85% As-Is Value, 100% of Rehab Costs

Commercial/Construction Loans

Business Loans/Fix&Fip Loans

 Trust Deed Investing

Arizona Hard Money Loan Just Funded

Do What Everyone Else Is Doing Start Making Money

If Your’re Not Using Level 4 Funding

You Are Paying Way To Much


Cash Out Hard Money Loan
Loan Amount $1,850,000
Home Value $4,000,000
LTV 46% Scottsdale, AZ

Cash Out Hard Money Loans
Loan Amount $3,000,000 @9%
Home Value $4,850,000
LTV 61% Beverly Hills CA


Construction Hard Money Loans
Loan  $185,000 @ 9.5% 24 Months
Home Value $275,000
Prescott Valley AZ

  • Paul Nordini
    “Top notch loan broker. who was awesome, quick, prompt, and most importantly, delivered. I would say don't even waste your time with another broker - these folks get the deal done, period. As a lawyer, they have helped me and many of my clients with a can-do attitude, and professionalism that is unmatched. A definite recommendation.”
  • Roger Johanson
    “I was working with a hard money lender (OF) for the past ten days. 24 hours before my loan was supposed to close they called me and told me they were lowering my loan amount by 15%. I called Mark G at Level 4 Funding and told him the situation. If you want work with someone honest and professional call Level 4 Funding today.”
    Roger Johanson
  • Rick Carrol
    “After hearing, the good things about this company, I think they are on top of their game. I will keep recommending people I know in Arizona to level 4 Funding.”
    Rick Carrol

Try These 5 Tactics to Find the Best Hard Money Lenders Arizona

Unlike receiving a loan through a traditional bank, obtaining your loan through hard money lenders Arizona allows you to develop personal relationships and network for further business opportunities. Learn how to find the perfect lenders for your needs and how to establish personal bonds that may help grow your financial future.

If you are looking to obtain a loan quickly so that you can get a jump on an upcoming business venture, hard money may be the perfect solution for you and your company. Now that you have deciding to pursue a hard money loan, it is crucial that you find the perfect private lender for the needs of you and your company. These five strategies can be used to find an ideal hard money lender to help you achieve your business goals:

  1. Consider the interest rates or points. A hard money lender is taking more of a risk than any bank would by granting you a loan opportunity. This means that hard money lenders Arizona often must charge a higher interest rate on their loan. Compare the rates of various lenders and secure a loan that has rates that accommodate the limitations of your budget.  
  2. Determine the value of your loan. Due to increase interest rates, consider the actual value of the loan. Consider of the interest rate still makes the hard money loan a worthwhile business opportunity. This will most likely vary from lender to lender.
  3. Find a lender you feel comfortable with. Dealing with private lenders is much different than operating with a bank. Due to the unique nature of hard money loans, it is important to choose a lender you feel comfortable communicating with. Remember that this is a professional relationship.  
  4. Check the past history of your lender. Choose a lender that is reputable and trustworthy throughout the community to avoid any challenges with your potential lender
  5. Contact lenders near you or attend opportunities to network. Do everything you can to get the name of your business out there and always carry yourself with a professional rapport. You never know when a lending opportunity may arise and it is important to look for these opportunities even in unlikely places.

Secure Your Financial Future By Developing Strong Relationships With Private Investors

A hard money loan can open many doors for you and your business. When you are hoping to quickly obtain a loan, hard money is often an ideal solution. It is important to develop positive relationships with lenders so that you can potentially be led to more investment opportunities in the future.

Networking skills and getting the name of your business out to a variety of different investors will allow you to connect with more private lenders that may want to invest in your business or company.

Since you never know when a lending opportunity may arise, it is important to carry yourself with professionalism. Network and don’t be afraid to reach out to various members of the business community in your respective area to find the perfect lending opportunities near you.

Can Arizona hard money loan Give a Helping Hand when Facing Foreclosure?

People who are facing foreclosure often look for creative ways to save their homes. Arizona hard money loan can help in these situations, but you must know how to evaluate which options are best.

If you’ve found yourself in hot water with your mortgage company, the first decision to make is whether you genuinely believe you can catch up your payments or if the best solution is to give up your home. If your plan is to save your home, you will need to work out a budget and plan for repayment of the past due balances. If you believe you cannot get caught back up, then the best course of action is generally to identify which options will help you move on without sinking your credit.

Ideally, your first point of contact should be to your existing mortgage company. If you already know how much you can afford to pay back each month, they may be able to give you an alternate payment plan that will help you avoid foreclosure to begin with. Sometimes, banks will also agree to a “deed in lieu of foreclosure,” meaning you’ll sign the home over to the bank, or they may agree to a “short sale,” which refers to selling the home for a price that’s short of what is owed. This option is generally only viable if the bank is considering auction and you’ve got a reasonable offer. It can help minimize the impact on your credit, but it can still drop your score 100-150 points. Considering that bankruptcy can reduce a score by 150-240 points and still may not help you save your home, a short sale may be the preferable option. Conversely, speaking to your mortgage company about having someone assume the mortgage, or take it over, could also work, though most contracts specifically exclude this option.

Lastly, Arizona hard money loans can be a viable option to help you bridge the gap, regardless of whether you plan to keep your home or not. Depending on the terms offered, you may be able to qualify for as much as 90% of your home’s value. The funds can then be used to pay off your existing mortgage, buying you some time to sell the home for maximum value, in which case your credit score won’t take the same hit as it would with a short sale or bankruptcy. Or, you may take advantage of reduced/ interest-only payments for some time until you’re able to qualify for a traditional mortgage again.

If You Can Work Out a Strategy, You Can Save Your Home

Whether you’re going with Arizona hard money loans or any of the other options mentioned, having a strategy is paramount. You will need to know what your end goal is and have worked out your financials in advance; do not move forward unless you know you will have the funds to meet obligations. Granted, this is common sense, but the possibility of losing one’s home can cause some to make emotional decisions, such as moving forward with the hope they’ll be able to pay, rather than the knowledge they will.

Set realistic expectations before settling on a plan of action.

When you’re facing difficulties, such as a potential foreclosure, there are no magic bullets. Explore your options carefully and learn the benefits as well as drawbacks of each. If Arizona hard money loans seem like the best possible option for your needs, talk to a seasoned broker to get the best terms possible.

Do Arizona hard money loans Work for Cash-Only/ As-Is Deals?

As you begin searching for your initial fix-and-flip deals, you’ll see quite a few ads that implicitly say the seller only accepts cash or that the property is being sold as-is. Generally speaking, Arizona hard money loans (HMLs) work well in these situations, though it’s important to consider the methodology behind the verbiage.

There are many reasons why sellers will list a property as-is or denote it’s a cash-only sale. Usually, it’s one of the following:

  • The property is in such ill repair that a bank won’t finance it. Oftentimes, the seller will mention that the home is “damaged.”
  • The seller needs to be free of the property quickly and can’t wait for someone to get approval. If this is the case, the listing may mention it is a “distressed” property.
  • The price or the value is too low for the property to qualify for a traditional mortgage.

In short, none of these situations really means that the seller requires you to have cash sitting around, but rather, the seller knows you aren’t going to get traditional financing and they don’t want to be bothered with offers that are contingent upon it. They don’t care whether your cash comes from your savings, if you borrowed it from family and friends, or if you’ve obtained an Arizona hard money loans; only that the sale won’t get held up by a bank.

Cash vs. HMLs: Which is Right for You?

There are benefits to going with cash when you can and there are benefits to leveraging Arizona hard money loans as well. If you’re using your own cash, then you’ll obviously have it tied up in the project for the duration, which can be problematic if you run into issues or come across another great investment opportunity while your money is already in use. However, if you have enough to cover it and feel confident you won’t need it, going with your own cash can be the cheapest way to fund a project. Borrowing from friends and family works along the same lines, but you’ll naturally have to be mindful of the repayment terms to avoid causing any issues. With an Arizona hard money loans, you do have to pay to borrow, but the fees can easily be paid for with profit when you manage a successful project.

Getting approval for cash-only properties is easy when you work with the right lenders.

If you’ve got a property in mind that’s listed as a cash-only or as-is sale, do your homework to ensure the purchase and rehab will be profitable. Spend time getting to know the property, what it has been appraised at, what challenges you’ll face when doing upgrades and repairs, and what similar homes in the area are selling for. Then, check with a broker to find out what terms you qualify for before approaching the seller. Armed with information and an approval in your back pocket, most sellers will jump at a fair offer, and perhaps even a low offer, regardless of whether your cash is coming from an HML or your personal bank account.

Hard Money Loan in Arizona's—Knowing Rates and Terms


If you are looking for funds for your next real estate investment, consider Hard Money Loan in Arizona's. These types of loans are often used by investors due to several positive attributes.


Hard Money Loan in Arizona's are used to purchase distressed properties to rehab them. There are several benefits to these types of loans. These loans are often short term in nature and offer interest only payments.  Rates for these loans can be higher than conventional mortgages, sometimes up to 12% or higher.  The loans, unlike conventional mortgages, can be funded in 15 days or less.  As an investor, you can submit a loan as an all cash buyer. The duration of the loan is 12 months and paid off when the property is flipped or permanent financing is obtained.


If you are acquiring or rehabbing a property you may want to utilize a hard money lender.  The time to close a Hard Money Loan in Arizona and the qualifications are more flexible then traditional financing.  Hard Money Loan in Arizona's are utilized by both short- and long-term investors. These loans are used for both short term fix and flip properties with terms that are 3 months or less, as well as longer term buy-and-hold or extensive rehabs that require 12 months or more before obtaining permanent financing or selling the property.  The loans are usually interest only payments and there usually are no prepayment penalties.  Upon completion of the project, you usually sell the property and repay the principal amount. 


Investors like Hard Money Loan in Arizona's because of the very low threshold of pre-qualifications, quick funding times, interest only no principal payments, and its short-term nature.  These loans have a higher expense due to the streamlining. 

A few of the basis regarding Hard Money Loan in Arizona's:

  • Interest only payments, 7%-12%
  • Terms 1-3 years
  • Fees 1-10% points


Types of Investors


An investor with a short time frame, usually 12 months or less, will find these loans right for them. They may also work for investors looking for longer terms if the property is right. 

There are two types of investors that often turn to these types of loans:

  • Fix and Flip investors
  • Buy and hold Investors

Conventional mortgages are issued equal to 80% to 96.5% of the purchase price of a house.  A borrower of a conventional mortgage will need to put down up to 20% or more of the purchase price. Hard Money Loan in Arizonas issued by private investors issue loans based on loan to value (LTV) and after repair value (ARV) and some will be based on loan to cost (LTC).  A LTV loan can be issued for up to 90% of the closing price. ARV is for fix and flip homes. Typically, lenders will offer 75%-80%.


Hard Money Loan in Arizona's are useful for fix and flip and buy and hold investors.  There is a short approval process involved, payments are interest only, and investment properties for renovations can be funded.


Loan Timeline:

  • Term: 1-3 years
  • Pre-Qualification: as little as 3 minutes
  • Funding time: 1-15 days

Loan Rates:

  • 5% - 12%
  • Fees: 2-10 points

Loan qualifications for national Hard Money Lenders in Arizona:

  • Bank statements for 2-3 months
  • 550+ credit score
  • Location of the property and price
  • Prior experience of projects


At Level 4 Funding, we take the pressure off potential borrowers. We have simplified the loan process and can offer funding in as little as a day. Call us for a no-obligation quote.