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In today’s fast-paced world, securing funds for your immediate needs should be quick and hassle-free. Our simple online loan application tool is designed to make this process as straightforward as possible, ensuring that you receive the financial assistance you need without delay. The online tool guides you through a step-by-step process, requiring basic personal and financial information to evaluate your loan eligibility efficiently. It is crafted with user-friendly features and clear instructions to avoid confusion, making it accessible to everyone, even those who may not be tech-savvy.

To complete this in 10 minutes or less, have these documents ready based on your situation:

Recent Utility Bill
Lease Agreement
Trust/Entity Agreement
Signed Purchase Contract
Fix & Flip Scope of Work

Print Application Form

Welcome to the preferred choice for real estate professionals statewide. Our Hard Money Loan Application is designed for swift approvals and tailored solutions, empowering your real estate ambitions. Whether it’s a renovation, acquisition, or bridge financing, we’ve got you covered. Enjoy competitive rates, transparent terms, and a seamless online process. Have a low credit score? Don’t worry. We prioritize property value and your vision over traditional metrics. Ready to unlock financial freedom? Apply now and experience a lending partnership that works for you.

Google Rating

4.9

Based on 212 reviews

Hard Money Lenders Arizona

4.9

review us on See all reviews

Sugreev rathour

1713304116

Amazing Experience w/ Michael. Very professional Speedy & detailed. Delivered on time & was very great with communication and process.

1712851526

Michael and Lara were fantastic to work with. This was our first hard money deal and we had 30 days to close on our Mesa warehouse. We ended up closing in only 18 days, and only because we were delayed in getting proof of building insurance. They could have funded us in around 10 days which is crazy fast! Michael was super friendly, always available by phone, and helped explain and guide us through the entire process. It was smooth and fast from day 1. Entire underwriting process was easy and fast. This will be the first of many deals we'll do with them from now on, so we can make more competitive all cash offers. I really liked working with this group and highly recommend.

1712840902

Needed a hard money lender fast and found these guys. The process was straight-forward, honest communication throughout, and they closed on time.

Harold Prestenbach

1712798917

Worked directly with Michael and let’s just say the approval process exceeded my expectations as far as timing went and frankly the entire process.The speed at which Michael’s team worked at allowed us to close the deal in less than 3 weeks.Ready to make the next deal, let’s go!

1712606990

Needed fast funding for my investment property. Arizona hard money lender came through quickly! Responsive team, honest communication, and a straightforward process. Highly recommend!

1712076940

Brought one of my investors to Mike and he did an amazing job. Execution and knowledge was on par. Adjusted to a significant change with the COE and didn’t even hesitate. Great asset to have in your corner!!

Adleigh Brisebois

1711996333

Hard Money Michael knows his game inside and out. True player in the real estate industry with vast knowledge & even bigger & better network. He has been incredibly helpful to me & my partner and we couldn’t have done it without his help & expertise.

1711906339

Working with Michael has been an extreme pleasure. Michael and his team are truly dependable, true to their word, and efficient, and performed in a manner that was quicker than expected. All requirements were met and we were able to close without delays.I highly recommend everyone to work with Michael and his team and insist on working with Laura, Michael’s loan processor’ whom without her diligence, our loan probably would’ve been delayed.Together they are an amazing team.

1711508125

Best in the business...never would use anyone else. Professional and knowledgeable. Honest and informative.

1709858629

michael was great. his entire team worked seamlessly together to get me funding in record time. a straight up and honest guy, hard to find in todays world. 100% would do business with him again.

1702940582

Michael is a winner! Work with him and he’ll for sure do his best to help you and your client close no matter how harsh circumstance becomes. My client now gets to keep his home because of a HardMoney loan. On to the next deal!

1696714690

Amazing Experience w/ Michael. Very professional Speedy & detailed. Delivered on time & was very great with communication and process.

1694972298

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.

1692627446

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.

1692399543

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.

1692291659

Absolutely the best lender I have worked with thus far. Straightforward, efficient and personable. I will only be using this lender from now on!

1691530262

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!

1691516634

Quick and responsive! Definitely educated me on what I needed to make things happen! Thank You Guys!

1690932171

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!

1690484440

Easy process and quick turnaround. Mike and his team made it easy.

1690360293

1690232601

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.

1688583150

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.

1688417451

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!

1687630486

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.

1686960754

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.

1686337788

Mike was so very helpful in getting a loan for my new house! THANK YOU!

saleh abd al hussian

1685058362

Michael, thank you so much you made this process so easy, I really appreciate it so muchSaleh.

1684521379

Recently used Mike for an investment purchase. Everything went smoothly. All fees were disclosed up front and matched at closing. Definitely using them again!

1684452458

Micheal my guy straight handled business in a timely fashion I like to say thanks to you and your staff . Highly recommend

1682742057

Pleasant experience very professional and simply gets the job done, I look foward to our next deal.

1682732969

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!

1682706348

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.Steven

1681328326

1679957086

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!!

1679939060

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!!

1679852989

Michael provided excellent customer service. I would recommend him to anyone. Thanks for your help and fast prompt service.

1679181700

Mike and his team are fantastic! Helped save a deal from falling out.

1674710522

Made loan easy. I love it

Deborah Rousseau

1671575865

Michael and his team are amazing. I want to tell you that you cannot find a better broker who has the patience of a goat. Michael works tirelessly for his clients. I thought I was getting on his nerves but he is a seasoned professional and got the deal done. He is super fast 48 hours and it was done. He's simply the best. If you go anywhere else the experience will not be the same because Michael is compassionate. Thank you.

Javier. Gonzalez

1670522568

Mike was amazing. Super easy to work with. I am going to use them for all my future projects.

1669153757

Great experience! Very fast and professional. Thank you, Michael!

1666313610

Michael got my loan done in the agreed upon time despite us encountering some hiccups along the way. Stayed in touch and didn’t let me feel uneasy through the entirety of the loan process. If you need something done quickly. Call Michael.

Christy Castellani

1664508947

Michael and his team were so great to work with. He was so genuine and easy to communicate with! He helped us navigate our first hard money loan from start to finish. The closing was very fast & efficient - they were able to get it done in 9 days. We couldn’t have asked for a smoother process or better people!! Thank you again!

Robert Whitaker

1661353056

Mike was outstanding, exceeded my expectations with price, terms and timing…. As a seasoned finance & real estate professional that’s SUPER critical of lenders, I couldn’t have asked for a better experience!

1661261174

Michael was fantastic to work with to get a touch deal done on a tight deadline. He was quick, responsive, and he ultimately delivered for us. I’d highly recommend you reach out to Michael for all your alternative financing needs!

Phillip Cassata

1660864544

Reached out to Michael to discuss my situation received prompt and professional advice and guidance. Loan process was quick and easy closed in a few days. I would recommend Hard Money Lenders when you need a helping hand.

1660416245

Great people to work with. Michael made the process very easy. I needed to close in just a few days and they made that happen. Will work with them again for sure!!

Carmen S Renteria TruVision Group

1660144383

Michael was amazing and definitely saved my deal meeting a very short deadline we had! He offers a very simplified and efficient loan process.All while being prompt and having excellent communication from beginning to end!

1659571270

Michael was easy to work with. His office was professional and very fast. I highly recommend him.