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A & A Funding Loan Programs


At A&A Funding, we provide multiple loan programs for our clients. Depending on your unique situation, you may be considering a hard money loan or a subprime loan. As a top hard money lender in Arizona, we proudly provide this option to help you secure the funding you need.

  • Fast Funding

  • Easy to qualify for

  • Excellent for Self Employed

  • Great Rates

  • Flexible Lending

  • Huge Program Selection

Learn More About The Difference Between Hard Money & Subprime Loans

A & A Funding Hard Money & Non-Prime Solutions.

For over 40 years we have offered loans that benefit clients in their specific situation. Learning which option is right for you can feel overwhelming, but we are here to make the process as pain-free as possible.

Property types


  • SFR/Condos/Townhouses

  • Mobile/Mfg.

  • Land/Lots

  • Rural


  • Multi-family

  • Land/Lots - development or raw

  • Extended care

  • Office buildings

  • Office condos

  • Retail  warehouse 

  • Extended care facilities

Borrower Types

  • LLC/Corp borrowers

  • Self-employed borrowers

  • Retired borrowers

  • Co-signers/non-resident co-applicant borrowers

  • Bad/no credit

  • Recent BK

  • Owner Occupied

  • Investor

Loan Types and Scenarios

  • Multi property loans

  • 0-down with collateral equity

  • 0-down with Seller carry 2nd

  • Less than 2 years self-employed

  • Investment property

  • Working Capital

  • Bridge loan 

  • “Lease-to-own” 

  • Sale-Leaseback options

  • Long-term hard money



  • Ground-up

  • Completion with broken priorities

  • Spec/resale

  • Owner/Builder

Close your loan fast.

Why Hard Money Loans?

Our hard money loans are better suited for you if you don’t want the hassle of providing all of the documentation typically needed for traditional lending or need an expedited closing on your transaction. Both subprime and hard money loans can still provide funding even if you’ve had foreclosure, short sale, looking for 100 percent financing or have less than perfect credit . 

Unlike subprime loans, hard money loans are most often based on the equity of the property. Whether you are looking for subprime or hard money loans in Phoenix, Arizona, we are the right choice. You can expect a shorter loan term ranging anywhere from 6 to 60 months. However, inquire with us directly to learn more about our terms and the benefits of hard money loans.


Why Non-Prime Loans?

Our non-prime loans are ideal for individuals with non-traditional proof of income, past credit problems, or a lack of ability to provide evidence of liquid cash reserves.

Depending on your situation, you may be looking for a more flexible payment term. Subprime loans offer that solution while still getting you the funding you need.


Hard Money & Subprime Loans
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