Hard money loans in Arizona

BuildUp Capital makes asset-secured hard money loans in Arizona: first-position, business-purpose loans of $100K–$10M for 6–18 months, up to 80% LTV on commercial or investment property in metro Phoenix, Tucson and other Arizona markets.

See if you qualify in 60 secondsEvery Arizona city we serve

Hard money loan terms in Arizona

Loan size
$100K–$10M
Term
6–18 months
Position
First position (a second position is the rare exception)
Max LTV
Up to 80%, residential or commercial
Rates
Rates as low as 11% for prime-market, low-LTV loans; most first-position loans start around 12%.
Payments
Monthly, interest-only; prepayment allowed
Speed
Term sheet typically within 5 business days; close typically around 10 days once diligence is in
Purpose
Business purpose only — not consumer mortgages

Final pricing depends on the property, the market and the exit; fees are stated in the term sheet before you pay for diligence. Documents we ask for

The Arizona market for hard money

Arizona had about 7.58 million residents in July 2024 by Census Bureau estimate, up from about 7.16 million in April 2020. Most of our Arizona activity is in Maricopa County (Phoenix, Mesa, Chandler, Gilbert, Scottsdale) and Pima County (Tucson).

Arizona population: 7.16 million (April 2020 base) to 7.58 million (July 2024), +5.9%. (U.S. Census Bureau, Vintage 2024 estimates)

Collateral we lend against in Arizona

  • Owner-user commercial and industrial buildings in the Phoenix and Tucson metros.
  • Investment residential, rentals and fix-and-flip projects held by a business.
  • Keep in mind Arizona’s anti-deficiency rule for small residential parcels (2.5 acres or less, one- or two-family dwelling) — it shapes how residential collateral can be used. (A.R.S. §33-814(G))

How Arizona deals typically use hard money

East Valley owner-user purchase

A Chandler contractor buys its yard on the seller’s timeline and refinances into bank debt after the purchase seasons.

Tucson value-add bridge

An investor renovates a vacant retail building; the exit is a bank loan once it is leased.

Illustrative structures, not specific client transactions.

Arizona trust deeds, foreclosure and title — the basics

  • Arizona trustees must be qualified under statute — for example, an Arizona bank, title insurer, licensed escrow agent, State Bar member or licensed real estate broker. (A.R.S. §33-803)
  • A trustee’s sale can be held no sooner than the 91st day after the notice of sale is recorded. (A.R.S. §§33-807, 33-808)
  • Arizona closings run through a title/escrow company, which often serves as trustee as well.

General information, current as of October 2026 — not legal advice. Statutes change; confirm with Arizona counsel or your title company.

Cities

Largest Arizona cities we lend in

Population: Census Bureau July 2024 estimates. All 31 Arizona cities

Common questions

Hard money in Arizona — what people ask

Do you make hard money loans in Phoenix and Tucson?
Yes — metro Phoenix, Tucson and other Arizona markets, first position, $100K–$10M, up to 80% LTV, for business purposes.
Does Arizona’s anti-deficiency law affect a hard money loan?
It can. A.R.S. §33-814(G) limits deficiency claims after a trustee’s sale of a parcel of 2.5 acres or less with a one- or two-family dwelling. We discuss it whenever residential collateral is involved.
How long does an Arizona trustee’s sale take?
The sale can occur on or after the 91st day after the notice of sale is recorded (A.R.S. §§33-807, 33-808).

All hard money states · Where we lend in Arizona · Rates & terms