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2 N Central Ave #1800, Phoenix, AZ 85004

Hard Money Lenders Arizona

We are trustworthy, efficient, and experienced hard money lenders in Arizona. If you need a hard money loan for your next commercial property acquisition, construction project, fix and flip, or buy and hold property in Phoenix let us work with you! Call today to get more information and submit your request for your funding.

Get Funded Today!

Top Rated Arizona

Hard Money Lender

As Arizona's top-rated hard money lender, we pride ourselves on quick, flexible financing solutions tailored for real estate investors. With unmatched expertise and commitment, we transform visions into realities. Trust, transparency, and speed define our services, ensuring every client achieves their property goals with the support of Arizona's best in alternative lending. Your success is our business.

Trustworthy Private Funding For Your Real Estate Endeavors

Over 200 Five Star Reviews!

Recently Funded

At Hard Money Lenders Arizona, we’ve decisively backed a vast array of real estate endeavors. From reviving historic homes in Phoenix’s Roosevelt Row to launching large-scale commercial projects in Scottsdale, we are a dominant force in Arizona’s property sector. Our range is expansive, handling deals from $100,000 to a staggering $100 million. Our commitment is so unparalleled that if we can’t fund it, it’s simply not getting done. Our track record reaffirms our status as Arizona’s unmatched hard money lender.

Loan Programs

Hard Money Lenders Arizona offers an expansive portfolio of loan options tailored for real estate investors. Our diverse lending solutions ensure that whether you’re embarking on a small renovation or a large-scale development, we have the financial support you need. Trust Arizona’s premier lender for all your real estate investment endeavors.

Private Loans

Explore tailored financing solutions: our private loans offer flexible terms to fit your unique needs

Hard Money Loans

Unlock opportunities quickly: our hard money loans provide swift, asset-backed funding for your projects

Fix and Flip Loans

Transform properties with ease: our Fix and Flip loans fuel your renovation dreams to reality

Commercial Loans

Empower your business vision: our Commercial Loans provide robust financing tailored for enterprise growth

Bridge Loans

Bridging financial gaps seamlessly: our Bridge Loans offer short-term solutions for your transitional needs

Cash-Out Refinance

Unlock equity effortlessly: our Cash-Out Refinance options turn your home's value into accessible funds

Investment Property Loans

Maximize property potential: Secure tailored financing for your next real estate investment with us

Construction Loans

Bring blueprints to life: our Construction Loans provide the foundation for your building ambitions

If you need a hard money loan
We are available


We have 25 years of experience and customer satisfaction with:

The Fastest Funding

Our turnaround times from application submission to getting funds in your possession are faster than anyone else! It’s our top priority. Business purpose loans can even be processed in as little as 24 hours!

Effective Communication

We have a team of specialists that are the most professional and efficient in the area. They can give you information and answer questions at every step in the funding process. We center ourselves around the idea that communication is vital in hard money lending.

Proven Results

We are the only option you should consider for hard money lending because our business history and client feedback speaks for itself. We strive to make our clients extremely pleased with our services.

Arizona Locals

Based in Phoenix, Arizona means we know the area and market better than our competitors. When we learn about your goals we can connect you with your best option out of our local lenders to ensure your success.

Industry Veteran

Our history in the hard money lending world goes back 30+ years! We have seen every high and low point in the market so you can rest assured that we have the knowledge and diligence to get you funds ASAP.


A lot of our business comes from referrals because we prove to be trustworthy, communicative, and all around reliable in the hard money lending process.

Michael Iuculano


Highest Rated Alternative Lending Expert in AZ

Michael Iuculano is the Highest rated alternative lender on Google in the State of Arizona. He’s an accomplished Author and Public Speaker who has worked with Top Celebrities, Athletes and Business Owners across the country.

Michael Graduated from Babson College with an Entrepreneurship Degree and has been getting deals done for over 23 years.

This group is comprised of the top loan officers and most influential employees at the end of each year.
Over $1 Billion in Funding
Top 1% of Lenders in the Nation
Do you want to get involved with funding high interest, private money and hard money loans in Arizona backed by real estate?



What Is Hard Money?

Hard money loans are extremely unique in that they use real estate as an asset with slightly higher interest rates. They do not rely on one’s credit history, and they typically come from private parties instead of traditional lenders like banks.

If you are familiar with bridge loans for commercial or investment properties, you already know something about hard money loans. Hard money loans can be used for residential properties, however, too!

Hard Money Loan Process: How It Works

Our effortless online loan application can be completed in under 10 minutes, granting you the solutions you need for your real estate project.
We’ll provide you with an offer disclosing all terms in a clear, comprehensible manner within 24 hours of receiving your loan application.
Unlike most lenders who take weeks, our loan funding process takes only a matter of days. Once the loan is funded through escrow, the funds will be provided directly to you.
Make your monthly payments via mail, phone or direct deposit. The terms and schedule for repayment will be clearly laid out in the loan agreement, It’s that easy.


Excellent4.9 Based on 204 reviews from review us onSean C.Sean C. ★★★★★ I had the pleasure of working with Michael to secure a loan for our home. He was able to gather our information, and close, record, and fund the loan within 10 days! the process was the least painful loan process I've experienced. The timing was perfect, we needed the good news and the great experience. Thanks again Michael we really appreciate it.John B.John B. ★★★★★ Michael is a pleasure to work with. He strives to make sure every aspect of the lending process is made clear and works hard to make sure things get taken care of ASAP.Taylor S.Taylor S. ★★★★★ Michael gets it done! If there is a deal that has any obstacles, like one I was recently working, Michael is a true deal saver. Highly recommend.Levi D.Levi D. ★★★★★ Absolutely the best lender I have worked with thus far. Straightforward, efficient and personable. I will only be using this lender from now on!Emily M.Emily M. ★★★★★ We had a wonderful experience with Michael Iuculano. The process for our loan was only about 2 weeks start to finish. They found us the perfect lender for our project with terms that were agreeable to all parties. He was super responsive to all of our questions and understood what we needed from the beginning. We will definitely be working with him again!Justin B.Justin B. ★★★★★ Quick and responsive! Definitely educated me on what I needed to make things happen! Thank You Guys!Jacque M.Jacque M. ★★★★★ Michael was amazing! He closed my transaction in three and a half weeks without any hiccups. Diane Chamberlin, his assistant, was also extremely helpful and expedited the process. I would highly recommend!Greg L.Greg L. ★★★★★ Easy process and quick turnaround. Mike and his team made it easy.Osiel A.Osiel A. ★★★★★ Tim D.Tim D. ★★★★★ All I have to say is that Mike is well known and I’ve worked with him in the past, as well. He will get it done. In this case we had 48 hours. He got it out and signed in 24 hours, from the time I brought it to him. Saved customers house. Fantastic job, Mike.David R.David R. ★★★★★ I read Michael's ad in a home buying magazine and after having two other loan "order takers" just give up, I decided to give him a call. Best thing I could have done. Working with Michael is such a great relief because he gets that not every loan is some "cookie cutter, fit the formula" type of transaction. He takes the time to ask questions and find out what the goal of the loan is. In my case it was to unlock equity in other properties so I could better leverage my rentals. Michael had the knowledge and contacts to get my loan completed, and offered a few different solutions .Michael's assistant Lara made sure everything got done right, and on time. She is great to work with, and responded quickly to any question I had. Together they make a great team and I look forward to working with them in the future.Sean M.Sean M. ★★★★★ Michael Luculano and his team are nothing short of miracle workers in making a complex deal easy.My wife and I were recently visiting Scottsdale for her birthday and had decided to look at a few homes. Nothing immediate, just getting ideas for the future. Then on the last day we run into the perfect new construction home, only problem is we weren't prepared to buy. Most of our long-term funding was tied up in our home back in Oregon and to complicate things further, the seller had another cash offer on the table and a ridiculously fast 3 week closing requirement to secure the property.So, we took a leap of faith and called Hard Money Lenders with Barrett Financial and got Michael on the phone. That quickly took us from an impossible deal to closing on our new home in record time. Michael clearly communicated all the terms and numbers up front. And being such a rapid deal with a large amount of escrow on the line, he personally checked in with us daily.We have worked with a lot of great people in the real estate and mortgage industries for over 30 years and have to say that Michael is one of the top professionals we have ever met. A true expert in mortgage and bridge loans / private lending. Even better, it was clear to us every day that Michael truly cares about his clients. Best phone call we could have ever made.Thank you, Michael and Lara, for helping us make this North Scottsdale dream a reality!Steven S.Steven S. ★★★★★ I had a great experience working with Michael. He was quick, communicative, and professional. The whole process was easy and I got my funding very fast.Cindy D.Cindy D. ★★★★★ Excellent service! Michael was able to close our loan at a lower interest rate than originally quoted, as an added benefit to the already pleasant experience of working with Michael & his team. We closed ahead of time, no suprises, no drama, just positive results. The professional, dedicated staff was impressive as well. For positive results, this should be your mortgage choice.Darlene L.Darlene L. ★★★★★ Mike was so very helpful in getting a loan for my new house! THANK YOU!saleh abd al H.saleh abd al H. ★★★★★ Michael, thank you so much you made this process so easy, I really appreciate it so muchSaleh.wyatt A.wyatt A. ★★★★★ Recently used Mike for an investment purchase. Everything went smoothly. All fees were disclosed up front and matched at closing. Definitely using them again!John H.John H. ★★★★★ Micheal my guy straight handled business in a timely fashion I like to say thanks to you and your staff . Highly recommendSabria W.Sabria W. ★★★★★ Pleasant experience very professional and simply gets the job done, I look foward to our next deal.D ND N ★★★★★ Awesome lender that made things really simple to work with. Went above and beyond to get us a higher LTV than most of the other well-known lenders and had a quick close. Highly recommend using them!Steven R.Steven R. ★★★★★ Working with Michael was an absolute pleasure. I have done a lot of real estate transactions over the years and appreciate it when someone cares about their customer and getting the deal done on time and at the terms I was quoted. There are many bait and switch lenders out there but Michael and his team were always available when I had a question and when a potential issue popped up he was on it even while on vacation to get it resolved. That’s the type of service I expect and appreciate. Highly recommend if you’re looking to finance a deal.StevenErnest K.Ernest K. ★★★★★ Pablo R.Pablo R. ★★★★★ Michael and Lara were so easy and amazing to work with. On top of that, Michael really values relationships and will make sure what he says is delivered. Anyone looking for a hard money team, THIS IS THE ONE!!Celly D.Celly D. ★★★★★ Michael and his team were very professional and extremely proficient and were able to find a solution for my client when no other lender could not! Highly recommend him!!Jean P.Jean P. ★★★★★ Michael provided excellent customer service. I would recommend him to anyone. Thanks for your help and fast prompt service.js_loader
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Based on 204 reviews