Arizona Lending
Bridge financing for Arizona real estate investors and developers. Statewide coverage from Phoenix to Flagstaff, with closings as fast as 14 days.
Loan Size
$750K – $4M
Loan Rate
10%–13%
LTV
up to 65%
Term
3–12 months
Close In
As fast as 14 days
HQ
Salt Lake City
Miller Bates is a private money lender headquartered in Salt Lake City, Utah, and Arizona is one of the ten states we lend into. We finance Phoenix, Scottsdale, Mesa, Tucson, and Flagstaff, and we look at deals across Maricopa, Pima, Coconino, and Yavapai counties as well as smaller markets throughout the state.
Arizona's investor market moves quickly, particularly across the Phoenix metro, where acquisition timelines are often too short for conventional bank financing. Short-term, asset-backed capital is frequently the difference between closing and losing a deal.
Loans typically run $750,000 to $4,000,000, with rates of 10%–13%, LTV of up to 65%, and terms of 3–12 months with optional 1–12 month extensions. Every loan is secured by a first-position deed of trust on real property plus the borrower's personal guaranty, and every loan closes through a title company and an attorney.
What We Fund
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Arizona FAQ
Yes. We lend across Arizona, with activity concentrated around Phoenix, Scottsdale, Mesa, Tucson, and Flagstaff.
Residential investment properties, raw and improved land, mixed-use, and commercial real estate. Loans typically range $750,000 to $4,000,000.
Loan rates typically range 10%–13% APR with LTV of up to 65% and terms of 3–12 months with optional extensions.
As soon as 14 days from approval to funding, depending on title work and due diligence.
No. We are headquartered in Salt Lake City and lend into Arizona from that office. Every loan closes through a title company and an attorney, and we have been lending since 2015 — with a predecessor firm dating to 2003.
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