Arizona private capital · Scottsdale
ScrollPrivate capital structured around your deal.
Banks underwrite a checklist. We underwrite the deal in front of us, then shape the loan around how you build, buy, and bridge. Arizona real estate only, funded on judgment for more than 30 years.
- 30+Years in Arizona
- $50K–$5MLoan size
- 1stPosition trust deeds
- ArizonaBusiness-purpose loans
How we lend
The loan fits the project. Not the other way around.
We read the deal, not a form.
People who know Arizona dirt, permits, and resale read your project. When the fundamentals are sound, we structure terms around them.
Structured around your build.
Draw schedules, terms, and timing follow the way your project actually runs. The deals formulas turn away are the ones we read closest.
One lender, every stage.
Buy it, build it, bridge it, or hold. One relationship carries your project from lot to sale.
Who reads your deal
A principal, not a queue.
Randy founded Kenwood in 1992. Mark has lent privately since 1993. Between the principals there are more than 65 years of Arizona lending, and the person who answers is the person who decides.
Loan programs
Six ways in. One way of underwriting.
Borrowers searching for an Arizona hard money lender usually mean exactly this: asset-based, first-position loans from private capital, closed on the property's own numbers.
Fund Forward · Ground-up construction
Construction money before the work begins.
Most lenders reimburse you after your crews are already paid. Fund Forward advances each draw before the work starts, and the draw structure is tailored to your build.
- Funds advance before work begins, not after.
- Own your land free and clear, and we can fund up to 100 percent of hard costs.
- Draw structure shaped around your construction schedule.
Recent work
Buy it, build it, and bridge it across Arizona.
$700,000 Ground-Up Farmhouse and Barn
A licensed builder with land owned free and clear. Two structures, one loan, and every draw advanced before the phase began.
$1,800,000 Ground-Up Custom Home
A custom home on a mountain-view lot at Talking Rock Ranch. Land owned free and clear, one lender, six draws, bare dirt to finished exterior.
From a Kenwood borrower
“They brought the experience and resources to the table that made everything seamless.”
Mickey C.
Plain answers
The questions borrowers ask first.
What is a hard money loan?
A loan secured by real estate and underwritten on the property first, funded by private capital instead of a bank. The value of the collateral and the strength of your plan carry more weight than a scoring model. That is why these loans can close in days instead of months.
What determines my pricing and loan amount?
Three things. The collateral: what the property is honestly worth and how marketable it is. Your capacity: whether the payments and the payoff fit your plan. Your credit history: not a minimum score, but a fair read of how you have handled obligations. Strong collateral and a clear plan can carry a file with imperfect credit. Nothing carries a file with an unrealistic value.
How fast can you fund?
Our capital is in-house, so there is no committee and no secondary market between a yes and a wire. Most loans close within days of a clear preliminary title report. Tell us your deadline in the first call and we will tell you honestly whether it can be met.