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.

Learn More

Investor Toolbox

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

Get Started

Client Access

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

Account Login

Learn More Today

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

Schedule time with your Loan Originator

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.

Get Started Now

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

Review Your Account

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

Here’s What Our Clients Are Saying About Us

  • 5 star review  These guys are great for you real estate funding. They are quick and able to fund you in as little as 24-48 hours. I highly recommend them as that I have already used them. I had to close in one week and they were a tremendous help. They were able to get me funded so that I could close on my house without loss. These guys are great.

    thumb Chris Podkowa
    September 13, 2019

    5 star review  It was a pleasure to work with the Capital Fund I, great rates, smooth transaction, everyone involved was super helpful. Thank you and I'm looking forward to do more business with you guys soon. Thanks!

    thumb Radek J
    September 13, 2021

    5 star review  Just Amazing from beginning to end! We are in the business of doing fix & flips and Capital Fund 1 is our go to lender. It's always an easy and smooth transaction no hidden fees or prepayment penalties. We are always pleased with the speed of service. We will continue to do business with Capital Fund 1 for all our deals. Keep up the GREAT Work!

    thumb Alma Fraijo
    April 22, 2019
  • 5 star review  All our properties purchased with CF1 have been great experiences. Best rates, Accurate, Quick to fund and straightforward, good business, no hassles!

    thumb steve paglia
    August 27, 2021

    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
    March 4, 2019

    5 star review  Capital Fund 1 has always been great to work with. I've been working with them on deal for about a year and a half and it's always been a quick and easy process. Much better than many of their competitors - they don't require appraisals nor charge a bunch of exorbitant fees. I have worked with them in a broker capacity as well as have sent them deals of my own. Always easy to reach people on their team and always a pleasure to work with.

    thumb Phil Harmonic
    May 27, 2021
  • 4 star review  I've worked with Capital Fund 1 over 6 years their hard money loan process is simple and interest return rates are sensible. They can fund a loan in 2 or 3 days as long as you provided the required info upfront. If your an investor who flips I'm not sure you can do better. That said, the caveat is you need to know what your doing.

    thumb MiCar Info
    May 10, 2019

    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
    February 21, 2019

    5 star review  Everyone involved with my transaction was spot on. They were informative, timely with responses and docs and friendly. All did a great job for me. Thank you.

    thumb Kelly Holmes
    September 6, 2021

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.

Learn More