AZ Consulting Partners

    Hard Money Loans

    Asset-Based Lending With Fast Approvals

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    What Are Hard Money Loans

    Capital That Moves at the Speed of Your Deal

    Hard money loans are short-term, asset-based financing secured by real property — not your credit history or income statements. The value of the property is what matters. That means faster approvals, fewer roadblocks, and funding timelines that match the pace of real estate investing.

    Traditional lenders can take 30-60 days and still say no. Our hard money loans are designed around investors who need capital deployed in days, not months. Whether you're locking up a time-sensitive acquisition, need to close before conventional financing clears, or your deal simply doesn't fit inside a bank's checklist — this is the product built for you.

    At AZ Consulting Partners, we underwrite based on the asset and your exit strategy. That's it. No endless documentation cycles, no committee delays. Just straightforward answers from people who understand investment real estate.

    24hr
    Approval Timeline
    75%
    LTV Available
    7day
    Average Close
    6mo+
    Flexible Terms
    Program Details

    Typical Loan Terms & Parameters

    Straightforward terms so you can model your deal before you ever pick up the phone.

    Loan-to-Value
    Up to 75%
    Based on current as-is value. Up to 90% of purchase price on qualifying acquisitions.
    Loan Term
    6 – 24 Months
    Short-term bridge financing. Extensions available on qualifying loans.
    Interest Rate
    9% – 14%
    Rate varies based on LTV, property type, deal structure, and borrower experience.
    Origination Points
    1 – 3 Points
    Paid at closing. Discount points may apply based on rate/term selection.
    Minimum Loan
    $50,000
    Minimum deal size to qualify for our hard money program.
    Close Timeline
    5 – 10 Days
    From approved application to funded closing. Rush closings evaluated case by case.
    Payment Structure
    Interest-Only
    Monthly interest-only payments with balloon payment at maturity.
    Credit Requirement
    Flexible
    No minimum credit score. Recent credit events reviewed case-by-case. Asset is primary qualifier.
    Rehab Funding
    Available
    Rehab draws available for fix-and-flip loans. Funded in tranches based on completed work.

    Accepted Property Types

    Single-Family Residential
    Multi-Family (2–4 Units)
    Small Apartment Buildings
    Condominiums
    Townhomes
    Mixed-Use Properties
    Commercial Real Estate
    Vacant Land (case-by-case)

    Hard Money FAQ

    What is a hard money loan?

    A hard money loan is a short-term, asset-based loan secured by real estate. Unlike traditional bank loans, hard money lenders focus on the value of the property rather than the borrower's credit score or income.

    How fast can you close a hard money loan?

    At AZ Consulting Partners, we can close hard money loans in as little as 5 to 10 business days, depending on the complexity of the deal and how quickly documentation is provided.

    Ready to Get Funded?

    Tell us about your deal. We'll review it fast, give you a straight answer, and move to closing if it fits. No runarounds. No bureaucracy. Just capital that moves at the speed of your business.

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