Hard Money Loans Phoenix

Fast, Local Funding for Arizona Real Estate Investors

At Coastline Bridge Lending, we specialize in private money loans for real estate investors and business owners throughout Phoenix and the surrounding Maricopa County region. Whether you’re flipping a distressed property in Arcadia, funding a commercial deal in Tempe, or need short-term financing in Scottsdale, we provide fast, asset-based loans from $50,000 to $500,000.

We don’t rely on perfect credit, income verification, or tax returns. Instead, we underwrite based on property value, equity, and exit strategy — allowing us to move faster than traditional banks.

Why Choose Coastline for Private Lending in Phoenix?

We fund deals that traditional lenders can’t or won’t. As a direct private lender, we offer flexible programs tailored to your investment needs with local expertise in Arizona real estate.

What Sets Us Apart:

Who We Work With

Our Phoenix private lending programs are designed for:

If you need a fast solution without the red tape of traditional lenders, we can help.

Hard Money Loans Phoenix Arizona

Private Money Loan Programs We Offer

We serve a wide range of investors and professionals across greater Phoenix. Our most popular loan types include:

Hard Money Loans

Asset-based loans for time-sensitive deals and property-backed funding

Private Money Loans

Solutions for unique borrower profiles or legal complexities

Bridge Loans

Interim financing for quick property acquisitions or transitions

Fix & Flip Loans

Short-term capital for distressed property renovation and resale

Loan Amount

Flexible funding from $50K–$500K, tailored to your project needs

Rental Property Loans

Equity-based loans for long-term buy-and-hold investors

If you need a fast solution without the red tape of traditional lenders, we can help.

Key Loan Features

We pride ourselves on being fast, flexible, and transparent. Here’s what you can expect:

Our team is made up of real estate professionals who understand the local Las Vegas market — and we move as fast as your deal requires.

hard money lenders Phoenix

Understanding Loan Structures in Phoenix’s Real Estate Market

Phoenix’s fast-growing real estate landscape attracts a wide variety of investment strategies, from flipping distressed homes to developing income-producing commercial property. At Coastline Bridge Lending, we support this growth with private lending solutions designed around:

We work with a wide range of loan types for both residential and commercial real estate, offering tailored solutions for unique borrower needs. Unlike traditional mortgage loans, our underwriting focuses on property value and equity, allowing faster closings and reduced documentation.

Whether you’re looking to finance a new investment property, stabilize cash flow on an existing portfolio, or refinance into permanent financing later, we offer a loan solution that aligns with your goals. As experienced private lenders, we understand the nuances of the Phoenix market and offer more agility than conventional financing options.

Private Lending Phoenix

Sample Loan Scenarios in Phoenix

Here are some examples of real-world deals we fund:

Fix & Flip in Central Phoenix

Bridge Loan in Tempe

Rental Property in Mesa

Every deal is tailored to your timeline, property value, and exit strategy.

Private Lending Maricopa County Arizona

Understanding the Real Estate Landscape in Phoenix: What Borrowers Need to Know

Phoenix continues to be one of the most active real estate markets in the country, attracting everyone from first-time investors to seasoned professionals. But navigating this fast-moving environment requires more than just a promising deal — it requires smart financing. That’s where private money lending steps in.

Unlike traditional mortgage lenders that focus heavily on credit score and paperwork, private lenders prioritize the asset and your ability to execute. This approach allows us to streamline the application process, approve loans faster, and focus on the actual value of your investment property rather than just your financial history.

Many real estate investors in Phoenix use bridge loans and other private loan types to secure deals before competitors can. These short-term financing options are ideal for transactions that require speed and flexibility — whether you’re flipping a home, funding new construction, or transitioning from one property to the next.
Loan amounts from Coastline Bridge Lending range from $50,000 to $500,000, with terms that prioritize your project’s success. Instead of rigid loan structures, we offer adaptable solutions tailored to the appraised value and cash flow potential of your property.

We also understand that rising interest rates can impact overall affordability, which is why our programs are structured to help manage monthly payments effectively — even when working under tight timelines. Whether you’re leveraging your home equity or seeking a fresh start, we’re here to help you get the funding you need, when you need it.

Our solutions are perfect for:

From application to funding, our private lending process is designed for agility, making it ideal for Phoenix’s competitive real estate market.

hard money lenders Phoenix

Get Approved for a Phoenix Hard Money Loan

Whether you’re working on a flip in Phoenix, expanding your portfolio in Scottsdale, or need capital in Mesa — Coastline Bridge Lending has you covered. As your Maricopa County lending partner, we offer fast, flexible hard money loans designed for real estate investors. We’re not a bank — we move at the speed of opportunity.

FAQs About Private Money Lending in Phoenix

What is a private money loan?

A private money loan is a short-term, asset-based loan secured by real estate. It’s often used when speed, flexibility, or non-traditional underwriting is needed.

How fast can I close?

Most deals close in 5 to 10 business days, depending on the property and documentation.

Do I need good credit to qualify?

No. We focus on equity and property value, not your credit score.

What kinds of properties qualify?

We lend on single-family homes, multi-unit properties, commercial real estate, and land, as long as there’s sufficient equity.

Can I get a second position loan?

Yes. We offer both 1st and 2nd trust deeds depending on available equity.

What is your minimum loan amount?

$50,000. We’re a great fit for smaller investors or clients needing gap funding.

Do you offer long-term loans?

Our programs are primarily short-term in nature, though we may connect you with partners for longer-term solutions when needed.