The Southwest’s Premier Private Lender

Hard Money Loan Products

  • 3 Step Guide to Hard Money
  • How CF1 can help boost your flip margins.
  • Details on all our Hard Money Products.

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Investor Toolbox

  • Apply For Hard Money
  • Access Pro Comp Tool
  • Exclusive rewards and material discounts.

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Client Access

  • Set-up recurring or one-time payments.
  • Reach our dedicated customer care team.
  • Request loan payoff.

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Responsive. Reliable. Results-Oriented

We are committed to helping you get your deal done with a fast, simple process that gets you the funding you need to create a successful real estate project. For the last decade, we have been Arizona’s fastest, most reliable private-money lender because we are responsive, innovative, experienced, service-oriented, and we do it right the first time. Once you work with one of our private money loan experts, you will see why thousands of real estate investors have put their trust in us.

Questions? We’d Love To Get In Touch

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How Capital Fund I Works: the Easy 3-Step Loan Process

At Capital Fund 1, we want to take the mystery out of the hard money lending process. Instead of making you jump through hoops, we have trimmed our application process down to three simple steps.

Fill out the online application & submit required documents (Purchase contract, photos, & planned improvements)

Submit Loan

Our in-house underwriting team reviews your deal and can send out terms as quickly as the same day. Use the same software as the at no-cost.

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After choosing your closing date, gather closing documents (escrow, title, & Insurance), and your deal is funded in as little as 24 hours.

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Just 1-2-3 and You’ll Have the Funding You Need.

As an asset-based lender, Capital Fund 1 can move faster than a traditional or institutional lender. When underwriting a loan, we focus more on the real property than individual’s creditworthiness. We do not check credit, borrower financials, or require a 3rd party appraisal. This significant departure from the status quo allows investors to add a quick closing as a value add to their purchase offers. Learn more about the other advantages of hard money.

How Are We Able To Do This?

Another key part of our formula is the dedicated team we have put together. Combined, we have over 100 years of real estate, investing, and lending experience. Our team is geared up to see the value investors are looking to add to a residential or commercial property. Every day, we see the impressive value extraction our borrowers are able to execute by bringing a fully renovated asset to market. Meet the team behind CF1

Meet The Team

Watch to Learn More about Capital Fund 1

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Here’s What Our Clients Are Saying About Us

  • 5 star review  Kevin from capital fund 1 was easy to work with and guided so patiently through my first hard money loan. He was easy to reach and very knowledgable. Glad that I found these guys, without them this deal wouldn't have worked! They also were the best rates I could find after getting in touch with several other lenders in the phoenix area.

    thumb Nick Heffernan
    2/21/2019

    5 star review  Capital Fund I has shown that they truly take care of their borrowers by providing upstanding diligence and professionalism when handling each aspect of the loan process. They openly communicate and are a pleasure to work with.

    thumb Hector Jimenez
    1/05/2017

    5 star review  This was my first time working with a hard money lender and Kevin Highmark was extremely helpful in explaining the process of getting funded. He also helped me determine the price level for properties I could buy based on my finances. The process of getting funded was super easy and I even qualified for a smaller percentage down payment than I was originally quoted! Will definitely use Capital Fund 1 again

    thumb James Erwin
    8/12/2019
  • 5 star review  Capital Fund 1 should every single real estate invostor's partner. I have done several fix and flip deals with Kevin at this awesome company and it's very friendly personnel. Couldn't be more satisfied. Their terms are way better than other competitors and their closing process is super prompt which is within one week to 10 days from start to closing. Just when I thought that their service is at it's best they have exceeded my expectations and actually came to my rescue at the last deal just a week ago. In January I was I'll advised with comps from a realtor about a property in Surprise and the realtor suggested a sale price that was way above the market. I didn't have any buyers for 2 plus months and I was hurting financially because another hard money lender was financing that property at very high rate. I leased the property and tried to put a conventional refinance loan but after over 400 pages of loan documents and unrealistic demands like showing funds for 12 months in advance and other grueling requirements the middle of June 2019 came and still didn't have confirmation to close. I grew frustrated and picked the phone talked to Kevin at Capital Fund 1 and told him the situation. He got with his underwriters and then within 5 minutes he gave me great long terms for a lease over 3 years which I immediately accepted. They were able to close the new loan in only four amazing short days. Thanks Kevin and Capital Fund 1 you have made me a partner for life and so should every investor. George Tohme

    thumb George Tohme
    6/28/2019

    5 star review  Working with Capital Fund was a great experience very nice people to work with professional in every aspect, The transaction was easy and quick I am looking forward to work with them on my next project

    thumb Al Trufin
    8/28/2019

    5 star review  Amazing, great work quick to close on asset based loans, always looking forward to working with Cap Fund 1!

    thumb Ron Breitenbach
    10/06/2019
  • 5 star review  This is the best lender for investment properties. Excellent communication, no hidden fees, and most importantly, very fast turnaround! I was able to close my deals in less than 10 days with funding from Capital Fund 1.

    thumb ANNAM726
    3/04/2019

    5 star review  Capital Fund 1 is made up of professionals who take their jobs seriously and are very good at quickly evaluating, making decisions and following through. It has been an absolute pleasure to work with them on our latest acquisition in Scottsdale. We could not be more pleased to develop a relationship with Capital Fund 1 and would absolutely recommend them to other investors in the Phoenix area.

    thumb S&E Guina
    9/27/2016

    5 star review  I had a great project idea and needed hard money to get started. I had the good fortune to be referred to Noah Brocius at Capital Fund 1 ! Was a newbie but had an opportunity to describe my project. I was asked to submit my a idea with a flood plan ( s/family to a duplex ) a cost study , a simple loan application , and financial needs such as price, down payment and rent expectations.And within 24 I was approved and closed in 3 days! During the 16 months of the loan life I was treated like a million dollar client ! The whole gang was available for Q&A and always professional! Hope to do it again soon ! Thanks guys. JAS

    thumb James Scavo
    7/17/2018

Long term post 2.16 (7)

CF1: Lock in Historically Low Rates for the Long Term

Unlike any of our other products, the long-term rental program offers loan terms from 15-30 years as opposed to our typical 6 months to 5-year loan options. Within the long term rental program, we offer 5/1 30 year ARM, a 7/1 30 Year Arm, and a 30 year fixed loan options, loan amounts available are between $100,000-$3,000,000 on all residential properties.

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Home August 28, 2012