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A & A Hard Money Loans

One of the oldest and most trusted names in hard money and non-prime lending in Phoenix.

A & A Funding Corp is your place for hard money loans in Phoenix. We have offered hard money & subprime lending in Phoenix, Arizona for over 40 years, and would be proud to be your lender. As a private money lender, we also underwrite our loans in-house for our hard money loan programs. Let us be your lender.

Fast Turn-Around & Exceptional Service

We offer both residential and commercial purchase & refinancing throughout Phoenix, Arizona. Obtain a loan catered to your unique situation.


Unique Hard Money Loans 

If you struggle with poor credit, have difficult to prove income, or complicated tax returns that make it difficult to secure funding, you may still be eligible for funding.

We take into account compensating factors such as your property and loan value, down payment and more. We can also structure just about any of our loans with interest only payments, helping to reduce your monthly expenses. 

We accept investment properties, owner occupied residential properties, partially completed projects, Rehab or Improvement projects, and commercial income or owner occupied properties. 

Hard Money Loan Highlights.

 Hard Money

  • UP TO 75% LTV

  • Rates from 10% (APR 11 to 15%)

  • 1 to 3 Year I/O Terms

  • 5 to 10 Year amortized loans

  • Loan Amount Up to $2,000,000

  • Owner Occupied Purchase or and Refinance

  • Residential Or Commercial 

  • Land/Lots

  • Rapid Close 

Bridge Loans

  • 75% of Purchase Price

  • Investment use Purchase Only

  • From 10% Rate (APR 10-14% @ 80ltv)

  • 12 Month term only


& DSCR Loans

  • 15-30 Year Terms

  • Rental Income Only Loans

  • Bank Statement Loans

  • Rates from 6.99% (APR 7.125%)*subprime

  • Up to 90% of the purchase price or appraisal

  • Loan amounts $50,000 to

  • Income and credit requirements may apply         

Construction Loans

  • UP TO 70% of the cost

  • Loan Amount up to $2,000,000

  • up to 24 months  I/O

  • Up to 5 Draws

  • Ground-Up, Project Completion, or Rehab

Are we the right lender for you?
Business Meeting

A & A Funding Corp offers lending solutions on commercial and residential properties throughout the Phoenix area. We proudly work with clients who have poor credit or who have faced or are currently facing foreclosures. This includes owner-occupied properties, ground up construction, land/lots, or commercial buildings.  

However, our lending practices cover much more than just these individuals, so be sure to reach out to our team to find out if we are the right lender for you!

Real Estate Professional?
Leasing a Home

Our team is also happy to help realtor clients. Our ultimate goal is to make it easy, fast, and safe to obtain the funding you need, and for over 40 years, we have done just that. 

If you have a borrower that was declined and only has days to close, we can help.

Why Choose an A & A Loan?

Our history as a go-to lender in Phoenix has proven us to be quick to close transactions. This means we can save deals that would otherwise not move forward, and we are ready and willing to help clients with poor credit or no credit history. We use out-of-the-box thinking and our 40-year history to help our clients achieve the funding they need. With multiple loan products and in-house underwriting, we’re ready to help.

For our realtor clients, we also work to save transactions that would otherwise be denied by your typical lending institution. Our programs are flexible, and our dedication to a fast-close ensures your transaction can still be completed on time, despite a last minute bank turn down.

Give us a call so we can start a conversation to see if hard money lending or subprime lending finance options are right for you. 

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