When you’re looking for Tucson investment property loans, it can be difficult to get funding on your timetable. Commercial real estate loan applications can take a long time to process, putting your investment at risk. Banks may also require stacks of paperwork, leading to further inconvenience and delays.

Fortunately, there’s an alternative to the red tape: hard money loans. This type of financing is an excellent option for anyone who can’t pass or doesn’t want to deal with the strict application process of a traditional mortgage.


What are Hard Money Loans?

A hard money loan, also known as a private money loan, is short-term financing that relies on collateral value for approval, rather than a borrower’s creditworthiness. It’s often used to “bridge” financial gaps during real estate purchases as a bridge loan. For example, someone may seek a hard money loan to close on a property and secure the investment, and to provide them more time to secure conventional long-term financing.

This type of financing is generally more common in commercial real estate (offices, retail, storage, and multifamily), but hard money loans can also be used to fund residential investment properties (no owner-occupied) and construction (non-owner builder, so the builder is not the end user) as well.


How Do They Work?

With a traditional loan, lenders usually look at a variety of factors to determine whether or not to approve the application. This includes looking into the buyer’s credit history and credit score, and if the borrower wants to put the loan in the name of an LLC or other business entity, they’ll likely ask for both the company’s and your personal information.

When you apply for a bridge loan, hard money lenders are more concerned with the property’s worth. This is because the property will secure the loan, allowing lenders to recoup their losses in the event of a default. By purely looking at the asset, the turnaround time for a loan quote can be in as little as 24 hours, or a few days depending on the property, instead of waiting weeks if not months to hear back about how much the lender can provide.

Our loan terms also vary from six to 24 months.


Why Choose a Hard Money Loan?

Hard money loans are an excellent choice for investors that need cash fast. It may also appeal to individuals who want a loan that lasts fewer than 2 years, giving commercial property investors a chance to refinance into a traditional loan without stressing over time constraints.

This type of financing is also a great option for people who wouldn’t be able to get loans through traditional avenues due to poor credit history, or the property needing renovations or better vacancy rate before a traditional lender can provide long term financing.


Where Can You Apply?

Capital Fund 1 simplifies the lending process with our hard money loans. With minimal paperwork, you can get funding in as little as 24 hours. To learn more, give us a call at (480) 889-6100. If you’re ready to apply, you can submit a loan request via our website.

We offer:

  • Financing for Investment Properties
  • Funding as fast as 24 hours (depending on title)
  • Rates can be as low as 9.9%
  • On many of our loan programs there are no upfront points
  • Just a $900 document fee for a 6-month term
  • No hidden fees, back-end points or pre-payment penalties

Making Loans Faster and Simpler

Our loan process is easy and stress-free.  As an asset-based lender we can process a loan application faster than a traditional bank could, often being able to give a loan quote on the same-day you submit your application.  Another positive to working with an asset-based lender is that we don’t require a lengthy credit check before considering a loan application; we base our underwriting on the value of the real estate property.

We are an Arizona-based lender and we lend only in our home state, from Flagstaff to Tucson and beyond. We underwrite, and provide a loan application quickly, and all in one time-zone.  Waiting on a loan application to be approved is stressful, doubly so when you have a real estate investment on the line, so we’ve dedicated ourselves to providing speedy and reliable service.

Financing Services for Every Need

When you are in need of a hard money loan or short-term financing in Tucson, AZ, Capital Fund 1 is here to help you get the loan you need.  Whether you’re looking to fund a fix and flip, or are looking to invest in commercial property, or a residential rental income property, we can work with you to get a loan customized to your needs. We can offer short-term financing of six to 24 months and can also provide extensions.

We can help you with a variety of real estate investments included:

The Tucson Private Money Lender That You Need

The real estate business is booming in Tucson, and we want to help you make the most of it. Our team has more than 100 years of combined experience in real estate investing, lending and financing – specific to the Arizona marketplace.

We’ve got the kind of experience and intuition that helps us know a potentially lucrative investment when we see one, and we’re passionate about leveraging our skills to help our clients make the best investment possible.

When Your Loan Can’t Wait

Capital Fund 1 has assisted with financing a variety of investment properties.  From purchasing a property to either hold onto while it appreciates in value or to turn it into a monthly cashflow asset in your portfolio, to fix and flips, to full scale residential subdivision construction, we’ve done it before and now how to get on to the next stage of your project.

Asset-based lending is quick, simple and easy to apply for. If you’re looking for a private loan, don’t wait – start your application today to get the ball rolling!

Our Client Reviews

Fire-fast-funding. The team at Capital Fund 1 helped me take down a deal within a literally day from contract-to-close. Fastest deal of my life. Top terms. Dependable. Professional. Blangiardo Real Estate / Old Town Jon approved ✔️ Let’s gooo

– Jonathan B.

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