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

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Here’s What Our Clients Are Saying About Us

  • 5 star review  I have been with Cap Fund 1 on several occasions and projects since 2016. Most recently, Kevin was right spot on with contacting me as one loan was paid off to see if I had another project to fund. I submitted a refinance and was approved in a very short time line. We closed and recorded without any glitches. Kevin and all the others involved were very helpful and really saved me in an extremely tight situation. I WILL be back as opportunities present and in the meantime I refer Capital Fund1 quite frequently.

    thumb Nancy Bewley
    January 20, 2019

    5 star review  Very professional, very easy to work with, good communication and nice people. This was my first venture with Capital Fund and I look forward to future business as we grow our company. Thank you.

    thumb Brian Johnson
    August 8, 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
  • 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
    June 28, 2019

    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
    August 12, 2019

    5 star review  The team over at Capital Fund 1 were all on the same page and communicating great with myself and title. They were quick to let me know the loan amount they could do. And only needed the essential documentation that matters. I'll definitely be looking fwd to using them again on refinances and trying out on the acquisition side.

    thumb Henry Downing
    June 21, 2019
  • 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  It was a smooth first transaction of mine. Jakob was communitive and resourceful. I will definitely be using them again.

    thumb Eny Kraushar
    October 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
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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