Arizona Hard Money Lender
Crebrid funds real estate deals across Arizona with capital that closes when you need it. From Phoenix flips to Tucson rentals, our same-day approvals and short-term financing keep projects moving without bank delays.
Hard Money / Residential Transition Lending in Arizona
Arizona’s investment market is competitive, and timing is everything. That’s why Crebrid provides hard money loans in Phoenix, Tucson, Mesa, Scottsdale, and more, along with lending coverage in fast-growing cities like Chandler, Gilbert, and Glendale. Whether you’re renovating a single-family home or building from the ground up, our loan structures are built for action.
We specialize in asset-based lending that evaluates the property itself, not your income or credit file. That means investors gain access to funding without the slow approvals and excessive documentation of traditional banks.
What is a Hard Money Loan / Residential Transition loan (RTL)?
A hard money loan (also known as a residential transition loan “RTL”) is a short-term financing tool for real estate investors. At Crebrid, we secure loans with the property, not borrower income. That opens opportunities for flippers, builders, and buy-and-hold operators who need capital in days, not months.
Cities We Serve in Arizona
We provide funding solutions throughout Arizona’s active investment hubs. Whether you’re focused on short-term flips in Phoenix or long-term rental acquisitions in Tucson, we have the capital structures to match your strategy.
Loan Options
Explore short-term real estate financing options tailored to Arizona investors:
Finance, purchase, and rehab with ARV-based structures designed for fast-moving flips throughout Arizona. These loans are built to cover both acquisition and renovation costs so you can keep more working capital on hand.
Learn MoreSecure properties quickly while you arrange long-term financing. Ideal for competitive markets like Scottsdale and Mesa. With bridge financing, you can step into deals without waiting on banks and lock in assets before the competition.
Learn MoreFund ground-up projects in growing markets such as Gilbert and Chandler. These loans are designed for builders who need reliable capital disbursement throughout construction phases.
Learn MoreUnlock equity or restructure existing debt on investment properties across Arizona. Refinancing with Crebrid can also help you roll short-term notes into a new structure that better matches your long-term goals.
Learn MoreHow Our Process Works in Arizona
At Crebrid, funding is designed for execution. We finance up to 90% of total project costs with clear underwriting and direct communication from start to finish. Most loans close in 3 to 5 business days because we handle approvals and underwriting in-house.
Submit your project details—purchase agreement, rehab budget, and entity docs—through our digital portal. No tax returns or income verification required.
Our team underwrites the same day, using property value and Arizona market comps to qualify deals. We fund up to 90% LTC and 70% LTV with straightforward terms and no hidden fees.
When construction or rehab begins, our draw process keeps funds flowing. Upload progress photos and invoices, and we process requests promptly to keep your crews on schedule.
Once your property sells or refinances, repayment is clean and predictable. No surprises, no delays.
Exit on your timeline with no prepayment penalties.
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Arizona Real Estate Market Insights
Arizona’s housing market in 2025 is stabilizing, with trends that matter for investors:
- Median Prices: In July 2025, the statewide median home price was $439,200, down 0.73% year-over-year as inventory increased.
- Phoenix Market: Phoenix homes sold at a median of $450,000, up 2.4% YoY, though average days on market stretched to 62 days compared to 47 the year prior.
- Supply Trends: Active listings are up nearly 19%, but inventory still lags 16% behind pre-pandemic levels.
- Investor Activity: Institutional buyers purchased 6.9% of Arizona homes in Q1 2025, down from 7.7% the year before, reducing competition for individual investors.
- Suburban Growth: Gilbert has emerged as a relocation hotspot with a median price of $550,000, still far more affordable than Scottsdale’s $892,000 market.
- Investor Outlook: Arizona offers a mix of stable pricing, growing suburban opportunities, and reduced institutional competition. Phoenix and Tucson remain core markets, while suburbs like Gilbert offer room for appreciation.
Explore More States Across the Country
Crebrid provides hard money loans to clients across the USA.
Additional Resources
Why Single Family Real Estate Deals Fail in Execution
01.26.2026
Market Demand Signals: What Days on Market Really Means
01.26.2026
When Other Lenders Slow Down, Crebrid Moves Forward
01.05.2026Arizona Real Estate Investing FAQS
Investors often have questions about how our loans work in Arizona. This section covers the essentials so you can understand terms, timelines, and requirements before you start your next deal. Every answer is designed to give you practical clarity without the financial jargon.
Rates vary by property type and deal terms. We price competitively, basing loans on asset value instead of personal income. This means whether you’re pursuing a flip or holding a rental, our pricing is structured to help your investment perform.