Private Money Loans by Location | Hilton Financial Corporation

Direct Hard Money Lender for Investment Real Estate

Hilton Financial Corporation (HFC) is a trusted, licensed direct private money lender specializing in non-owner occupied, business-use real estate loans. We proudly operate in seven key states: Arizona, Colorado, Hawaii, Ohio, Tennessee, Texas, and Utah—providing real estate investors with fast, flexible, and common-sense lending options tailored for time-sensitive and value-driven transactions.

We fund a wide variety of project types, including:

• Distressed Sale Acquisitions

• Fix & Flip Projects

• Speculative Construction

• Small Subdivision Development

• Land/Residential Lot Loans

• Bridge Loans for Acquisition or Repositioning

Whether you’re a first-time investor or a seasoned real estate professional, our streamlined process makes funding accessible without burdensome requirements. We focus on entry-level and first-move-up projects in high-demand areas. Qualifying is simple: a stated income financial, verification of federal tax filing status (two years or a Letter of Explanation), and a soft-pull credit check with no minimum score requirement.

Arizona Hard Money Loans

As our home state, Arizona is where we’ve built our strongest reputation as a trusted hard money lender.

Areas Served: Phoenix, Tucson, Flagstaff, Mesa, Chandler, Scottsdale, and more.

Why Investors Choose Us in AZ:

• Local expertise with decades of lending experience.
• Fast closings.
• Customized programs for fix-and-flips, new builds, and refinances.

Whether you’re acquiring a new property at auction or need bridge financing for a renovation, Hilton Financial Corporation is the go-to lender in Arizona.

Colorado Private Money Loans

Colorado’s booming housing market is a hotbed for smart real estate investments.

Areas Served: Denver, Colorado Springs, Boulder, Aurora, and surrounding areas.

Investor Advantages:

• Competitive rates for high-potential investments.
• Financing options available for short (12 months or less) and longer-term holds (up to 36-months on interest only programs).
• Entity-only funding ideal for scaling your portfolio.

Our loan programs help Colorado investors seize opportunities quickly in this fast-paced market.

Hawaii Private Money Financing

Real estate in Hawaii is both lucrative and competitive. Our private lending services help serious investors move fast.

Areas Served: Honolulu, Maui, Kauai, Big Island, and more.

Why Work With HFC in HI:

• Fast approvals even for complex properties.
• Bridge and stage funding available.
• Local knowledge to support your project’s unique needs.

We help LLCs and investor groups get access to Hawaii’s profitable property opportunities.

Ohio Hard Money Loans

Ohio offers strong cash-flow potential for real estate investors. We help entities tap into this growing market.

Areas Served: Columbus, Cleveland, Cincinnati, Dayton, Toledo, and surrounding markets.

Program Highlights:

• Perfect for rehab and rent strategies.
• Quick funding timelines to meet deal deadlines.
• Entity-based lending with minimal red tape.

Our loans are tailored to help Ohio investors flip or rent with confidence.

Utah Private Lending Solutions

Utah is a growing hub for new development and residential flips. We support the momentum with strategic financing.

Areas Served: Salt Lake City, Provo, Ogden, St. George, and beyond.

Benefits of Working With Us:

• Trusted track record in Utah lending.
• Fix-and-flip, new construction, and gap loans available.
• Personalized service with fast closings.

Our Utah borrowers value our speed, flexibility, and market insight.

Why Investors in These States Trust Hilton Financial Corporation

• Direct Lender: No middlemen. We control the funds and the decision-making.
• Speed: We can close quicker than a bank.
• Flexibility: Multiple loan products for various property types and strategies.
• Experience: Lending since 1989 with a track record of satisfied investor clients.

Whether you’re acquiring, renovating, or refinancing investment properties, we have a loan solution tailored for you.

Lending Parameters at a Glance

• Lending States: Arizona, Colorado, Hawaii, Ohio, Tennessee, Texas, & Utah

• Loan Sizes: $20,000 to $1,000,000

• Interest Rates: Competitive fixed interest only rates.

• Terms: Short-term financing between 12 to 36 months – no prepayment penalties on most loans.

• Origination Fees: 2% to 3% depending on loan complexity

• Lien Position: 1st Position Only, for clear collateral security

What We Fund:

At HFC, we understand the demands of fast-paced markets and the importance of dependable capital. Our lending focuses on:

• Non-owner-occupied investment properties in AZ, CO, HI, OH, TN, TX, and UT

• Up to 69% LTV or LTARV with financed repairs, depending on project type and scope

• Minimum 20% cash contribution for flip purchases

• Land acquisitions with LTV or LTC capped at 50%

• Seller carrybacks permitted to bridge financing gaps and maximize leverage

Whether it’s a single-family home renovation or a multi-lot urban infill, our private money loans are built for real-world investor goals.

What We Don’t Fund:

To protect both the borrower and the capital involved, HFC does not underwrite:

• Full 100% financing with no cash contribution

• Primary or owner-occupied residences

• Loan requests exceeding $1,000,000

• Junior liens or second mortgages

• Rural, agricultural, heavy industrial, or off-grid property types

Why Investors Choose Hilton Financial Corporation

With over 30 years of dedicated private lending experience, Hilton Financial Corporation has built a reputation for being:

• A reliable funding source with quick turnarounds

• A provider of flexible loan structures tailored to strategy and asset class

• Transparent in communication and free from hidden underwriting surprises

• An investment-focused partner with an in-depth understanding of property lifecycles

Our mission is to empower investors through smart, efficient lending solutions that enable long-term growth and sustainable returns.

Connect With Us

Ready to fund your next real estate project in Arizona, Colorado, Hawaii, Ohio, Tennessee, Texas, or Utah? Let’s talk.

Reach out to Hilton Financial Corporation to:

• Get a customized loan quote

• Review eligibility and timelines

• Discuss your project’s strategy and exit plan

We’re here to help you act fast, fund confidently, and build a portfolio that works for you.

📍 Hilton Financial Corporation
11024 N. 28th Drive Suite #170
Phoenix, AZ 85029
📞 (602) 375-8951 | 📠 (602) 375-0760 | 📧 getquotes@hiltoncorp.com