Phoenix Hard Money Loans
Zero Points. Zero Fees.
Apply for funding in less than 3 minutes
Investment properties only · Phoenix metro area · Same-day funding
Built for the way Phoenix investors actually work.
Fast decisions, zero junk fees, and a phone that actually gets answered. Not a fund. Not a broker. Direct decision-makers lending our own money.
Approval in under an hour
Most lenders take 7–14 days. We make decisions while you're still on the phone. We lend our own money — no committee, no broker chain, no waiting.
Zero points. Zero fees.
No origination points. No processing fees. No appraisal fees. No prepayment penalty. No document fees. No extension fees.
You talk to the decision-makers
No call centers. No junior loan officer "running it up the chain." When you call Kayak, you get Barry — and the answer.
The deal qualifies you
Asset-based lending. We don't pull credit. We don't need tax returns. If the property and the deal make sense, you're in.
Compare the fine print.
Most hard money lenders bury you in fees. Here's what every investor should ask before signing — and what you'll find when you ask us.
Four steps from "I found a deal" to wired funds.
Call or apply online
Tell us the property address, purchase price, and close-of-escrow date. Online application takes under three minutes — no tax returns, no credit pull, no 47-page form.
Get approved — typically within the hour
We confirm your loan amount and schedule the funds. You talk to the people who actually decide. We lend our own money, so there's nothing to "run up the chain."
We coordinate with title
We work directly with your title company to complete the file end-to-end. You don't chase paperwork. You focus on the deal.
Sign at title. Funds wired same day.
The whole cycle from first call to wired funds can happen in days — sometimes under 24 hours when title's ready.
Kayak Capital's team is always a pleasure to work with. They are fast, responsive, professional, and on top of their game. For 4+ years I've worked with them on many escrow transactions — and recommended them to every investor I've worked with since.Amy L. · Escrow Officer · 4+ years working with Kayak
Investors, escrow officers, agents.
★★★★★ 5.0 across 53 verified Google reviews.
I just want to say after a 15-year relationship with Barry and Landon, it has been nothing but a fantastic personal and business relationship. Kayak Capital has helped my business grow and continue to perform better each and every year.A. MorrisInvestor · 15-year client
I wanted to first say thank you again for doing such a great job on short notice funding our property. Very smooth transaction.Steve N.Investor
Kayak Capital's team is always a pleasure to work with. They are fast, responsive, professional and on top of their game. For 4+ years I have worked with Kayak Capital on many escrow transactions. I have also recommended them to other investors.Amy L.Escrow Officer · 4+ years working with Kayak
The fastest way to fund a fix-and-flip in Arizona.
If you need a hard money loan for your next fix-and-flip property in Phoenix, Arizona, or the surrounding area, you've come to the right place. We know that when there's an opportunity on the table, you need to get a private money loan, and get it fast. You are in luck — that's exactly how Kayak Capital works.
Kayak Capital is a hard money lender, which means we have more freedom than the bank when it comes to lending and you don't have to jump through as many hoops with us. Another plus? We focus on the value of the property and asset-based loans, not credit scores. It doesn't matter if you have great credit, minimal credit history, or bad credit — we're ready to finance your project.
Hard money loans differ tremendously from the soft money loans that require personal underwriting for investor mortgages. Hard money loans are specifically for a property that you plan to renovate, and then sell or rent, so it's necessary to find the property you want to buy before calling us.
There are two ways to get started: give us a call, or complete the online form. Tell us about the property. We'll confirm your loan amount and schedule the funds. From there, we coordinate with title to complete your file. Lastly, you sign the closing documents and receive the wired funds within the same day. It really can be that fast — sometimes you can get funding for your flip in less than 24 hours.