Which Arizona hard money program do I need?

Match the job: flip = purchase + rehab with a sale or refi exit; bridge = spanning two dates; cash-out = pulling equity you already have; foreclosure / tight deadline = calendar is the problem. If you’re unsure, call with the address and we’ll point you.

Do you lend outside Arizona?

No. Arizona collateral only. If the property isn’t in Arizona, we can’t fund it.

How fast can LVX Capital close?

Often about 7–10 days when title cooperates. Tell us the hard deadline on the first call and we’ll be honest about whether it’s realistic.

Arizona Hard Money Loan Programs

LVX Capital is a Scottsdale hard money lender (NMLS #2693018). We fund against Arizona real estate — purchase, rehab, bridge, cash-out, and tight-deadline files. Banks underwrite you. We underwrite the deal and the collateral. If that doesn’t fit, we’ll tell you early.

Quick comparison

Program	Best for	Typical hold	Key ask
Hard money (overview)	Any AZ deal where speed & asset matter more than a 30-year mortgage	Months, not decades	Address, equity, exit
Fix & flip	Buy + renovate, then sell or refinance	Rehab + market time	Real scope & budget
Bridge	Spanning two dates (buy before sell, take-out not ready)	Short — until the exit lands	Clear from → to
Cash-out	Pulling equity from a property you already hold	Short bridge to use of funds / take-out	Equity that actually exists
Foreclosure / deadline	Auction dates, broken contracts, calendar emergencies	As short as title allows	Hard deadline + collateral

Pricing is deal-dependent. See what Arizona hard money actually costs — we don’t put fake “rates from” banners on this page.

Hard money overview

Start here if you’re comparing private lenders or you’re not sure which label fits. Hard money means collateral-first underwriting on Arizona property. Short terms. Faster decisions than a bank when the calendar is the real problem.

Hard money lenders in Arizona →

Fix & flip

You’re buying something that needs work. Banks hate incomplete kitchens and as-is appraisals. We look at purchase price, rehab budget, and exit (sale or refinance into a rental loan). Summer heat and contractor calendars in Phoenix metro are real — underwrite the timeline like an adult.

Fix and flip loans Arizona →

Bridge

Bridge = spanning two dates. Buying before you’ve sold. Permanent loan isn’t ready. A larger deal falls apart without a short span. If the exit is “we’ll figure it out,” that’s usually a no.

Bridge loans Arizona →

Cash-out

You already own the property. Equity is there. You need capital now and the bank timeline isn’t. Cash-out is not a free ATM — we still need a believable use of funds and a path off the hard money.

Cash-out refinance Arizona →

Foreclosure / tight deadline

Auction dates don’t care about underwriting queues. If title can move and the equity is real, we can talk. If the math only works on hope, we won’t pretend.

Foreclosure rescue Arizona →

When we say no

Property outside Arizona
No equity cushion / fantasy ARVs
No credible exit
Personal loans, cars, credit cards — no real estate collateral
Deadlines title literally cannot meet

Better a fast no than a slow maybe. First call is short. We don’t pull credit just to chat. Bring the address.

Cities & more

Office: 7652 E Greenway Rd. Suite 103, Scottsdale, AZ 85260. Call (623) 343-4100.

Arizona hard money loan programs — pick the tool that matches the job.