What Are Arizona Hard Money Loans?

Arizona hard money loans are short-term, asset-based loans secured by the property itself, rather than relying heavily on your credit score or income verification. Unlike conventional mortgages that can take weeks (or months) to approve, hard money loans from a trusted hard money lender Arizona-based like Cactus Capital offer:

• Lightning-Fast Approvals: Get pre-qualified in as little as minutes, with funding often available in days.

• Flexible Terms: Loan amounts up to 75% of the after-repair value (ARV) for qualified projects, with terms typically ranging from 6-24 months.

• Focus on Property Potential: Ideal for investors who need capital for acquisition, rehab, or even new construction—perfect for Arizona's booming markets in Maricopa and Pima Counties.

These loans aren't for everyone; they're built for real estate pros who understand the value in distressed properties and quick turnarounds. At Cactus Capital, our Arizona hard money loans are customized to handle everything from single-family homes to large multifamily complexes, ensuring you get the edge in a market where inventory moves fast.