The Southwest’s Premier Private Money Lender

Hard Money Loan Products

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

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

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  • 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.

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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.

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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

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

    Ron Breitenbach Avatar Ron Breitenbach
    October 6, 2019

    Great experience so far with Capital I Fund - a colleague recommended them. I was funded in just a few days - would definitely refer them to other real estate investors - Roger N

    Plan IT Virtual LLC Avatar Plan IT Virtual LLC
    June 14, 2019

    All our properties purchased with CF1 have been great experiences. Best rates, Accurate, Quick to fund and straightforward, good business, no hassles!

    steve paglia Avatar steve paglia
    August 27, 2021
  • 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

    James Erwin Avatar James Erwin
    August 12, 2019

    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

    George Tohme Avatar George Tohme
    June 28, 2019

    Love working with CF1. Great communication, efficient and prompt responses. Have worked with CF1 on several fix-n-flips as well as stating to work with them on buy-n-holds this year and have never had any issues with them (have always closed on time :). Will continue looking for opportunities to work together. Kudos on the excellent service team! I appreciate you guys. - Julian LUXTIGE HOMES

    Julian Lopez Avatar Julian Lopez
    February 11, 2019
  • It was a smooth first transaction of mine. Jakob was communitive and resourceful. I will definitely be using them again.

    Eny Kraushar Avatar Eny Kraushar
    October 22, 2019

    Capital Fund I is my go to private money lender in AZ. They are reliable, friendly and very easy to work with. My loans are always funded on time and questions always answered in a timely manner. I highly recommend them for your funding.

    Michael LaFata Avatar Michael LaFata
    August 24, 2016

    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.

    Henry Downing Avatar Henry Downing
    June 21, 2019
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Take Advantage of Low Long Term Rates

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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