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Direct Private Lender · Arizona + California
Fast Hard Money Loans for Arizona & California Investors
Get funding in 3-5 days. $70K to $5M. Fix & flip, construction, bridge loans, and more. No BS, just results.
Have a deadline? Call Logan directly. Still sizing the deal? Send the basics for real terms.
24hr
Approval Time
3-5
Days to Fund
$5M
Max Loan Amount
Real Deals. Real Timelines.
Recently Funded Deals
Explore the financing scenarios behind the numbers.
NMLS #2466872 LicensedAZ MLO License #104890124-hr Approval DecisionDirect Private Lender40+ Years ExperienceFund in 3–5 Days
Founder & Direct Lender
Meet Your Lender
Logan Sullivan personally reviews every deal.
No call centers. No layered approvals. When you call Grand Funding, you talk to the person who decides whether your deal funds.
Four decades of real estate, lending, and development experience. As a former builder and developer himself, Logan understands what investors actually need: speed, certainty, and a straight answer. If your deal makes sense, you'll know within 24 hours.
- NMLS #2466872
- AZ MLO #1048901
- 40+ Years Experience
- Direct Private Lender
- $70K–$5M
Try It Now
Estimate your loan in 30 seconds.
Fix & Flip · From 9.99%
$585,000
Estimated loan amount
Loan-to-value
90% of ARV
Est. monthly interest
$4,872
Origination (~2 pts)
$11,700
Term length
6-12 months
Estimate only. Logan reviews every deal personally — call (602) 935-0371 to talk specifics.
Loan Products Built for Action
Whatever your real estate strategy, we've got the financing to match
Fix & Flip Loans
Fast funding for property renovation and resale. Cover acquisition and rehab costs.
- Up to 90% ARV
- 6-18 month terms
- Interest-only payments
Best for: Value-add renovations and quick resales
Typical close: 3–7 days
Bridge Loans
Short-term financing to close quickly before securing permanent financing.
- Close in days
- Flexible terms
- No prepayment penalty
Best for: Fast acquisitions and transitional financing
Typical close: 3–5 days
Construction Loans
Ground-up construction and major renovation financing with draw schedules.
- New builds & renovations
- Milestone-based draws
- Up to $5M
Best for: Ground-up builds and major renovations
Typical close: 5–10 days
Cash-Out Refinance
Unlock equity for new investments or debt consolidation.
- Up to 75% LTV
- Owner-occupied OK
- Fast closing
Best for: Unlocking equity for your next move
Typical close: 7–12 days
Land Loans
Finance raw land acquisition for future development.
- Residential & commercial
- Up to 65% LTV
- Flexible terms
Best for: Raw land acquisition and future development
Typical close: 7–14 days
Investment Property Loans
Financing for rental properties and income-generating real estate.
- DSCR-based approval
- No income docs
- 1-4 units
Best for: Buy-and-hold rentals and portfolio growth
Typical close: 5–10 days
The Difference
Investors choose us when banks say no — and other lenders say slow.
| Grand Funding | Typical Hard Money | Traditional Bank | |
|---|---|---|---|
| Approval | 24 hours | 3-7 days | 30-60 days |
| Funding | 3-5 days | 7-14 days | 30-90 days |
| Income docs | None — asset-based | Sometimes | W-2s, tax returns |
| You talk to | Logan, the lender | Layers | A committee |
| Geographic focus | AZ & CA | Varies | Often regional |
How It Works
A fast, transparent path from idea to funded deal
Step 2
Quick Approval
Underwriting that makes sense. We focus on value, equity, and a clear exit.
- Clear terms and next steps
- Property-first evaluation
- Fast answers so you can move
Step 3
Get Funded
Close and fund in days, not weeks. Then you execute.
- Typical close: 3–5 business days
- Flexible structures for real deals
- We stay responsive through closing
Frequently Asked Questions
Quick answers to common questions
A hard money loan is a short-term, asset-based loan secured by real estate. Unlike traditional bank loans that focus heavily on credit scores and income verification, hard money lenders primarily evaluate the property's value and your exit strategy. This makes them ideal for real estate investors who need fast funding for time-sensitive deals.
We provide loan decisions within 24 hours of receiving a complete application. Once approved, most loans close and fund within 3-5 business days. For exceptionally straightforward deals, we've closed in as little as 48 hours.
Our LTV ratios vary by loan type: Fix & Flip loans up to 90% ARV, Bridge Loans up to 75% LTV, Construction Loans up to 80% of project cost, Land Loans up to 65% LTV, and Cash-Out Refinance up to 75% LTV.
Credit is considered but not the primary factor. We focus more on the property value, your equity position, and your exit strategy. Borrowers with credit scores as low as 550 may qualify depending on the deal structure and down payment.
We finance single-family homes, condos, townhouses, multi-family properties (2-4 units), mixed-use buildings, retail centers, office buildings, industrial properties, and raw land. Both residential and commercial properties are eligible.
Most of our loan products have no prepayment penalty, allowing you to pay off the loan early without additional fees. Some specialized programs may have minimal prepayment terms - we'll clearly disclose any such terms before closing.
What Investors Say
Real deals. Real borrowers. Real results.
Logan moved faster than anyone I've worked with. Had terms the same day I called, closed the bridge loan in 4 days. That deal would have fallen apart with a traditional lender. This is why I keep coming back.
I had a contractor bail mid-project and needed a construction draw restructured fast. Most lenders would've called the loan. Grand Funding actually understood the build and worked with the new timeline. Closed the project and made good money.
I was under contract in San Diego with 10 days to close. My bank couldn't move in time. Grand Funding got me approved in 24 hours, funded in 5 days. Straight shooters — no games, no bait-and-switch on the rate.
Investor Education
Learn Before You Fund
Guides from Logan Sullivan on structuring and closing real estate investment loans in Arizona and California.
Get Pre-Approved
Send the basics. We'll respond fast with real terms and clear next steps.
Call
(602) 935-0371Service Areas
Phoenix Scottsdale San Diego Los Angeles