Arizona Private Money

A convenient and personal approach to private money
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A Smarter Choice for Investment Lending

  • Transparent Rates and Terms Starting at 10%
  • Any Type of Residential Property (Single Family, Multiplex, Townhome, Condo)
  • No Credit Checks, Appraisals, or Borrower Financials
  • 50k – 1M Loan Amounts
  • Get a “Yes” or “No” Within 24 Hours
  • Up to 80% LTV
  • 3 – 12 Month Loan Terms (Extensions Available)


What We Do

We offer a convenient and personal approach to investment lending in Arizona. We understand that traditional bank financing is not always feasible and we are here to meet your needs through a variety of equity-based lending solutions designed to eliminate red tape so you can operate and invest as efficiently as possible.


Our Mission

We want to be your true lending partner because we see this as more than just a transaction and you are more than just a borrower. We understand that every opportunity comes with unique expectations, goals, and needs. Our mission is to understand and operate in lock-step with all of our clients from open to close.


Our Promise

Our promise is that you will receive transparent terms, clear communications, and a problem-solving mindset. You will be able to reach us 24/7 so you are informed at all times. As owner-operators, we personall answer all calls, underwrite all loans, and communicate directly with all of our clients because we would expect the same.

Our Team

Collin Crowley


Collin Crowley comes with 8 years of experience in the residential real estate development world and is a licensed Real Estate Salesperson in Arizona. Originally from Oregon, he came to Arizona in 2008 and attended the University of Arizona where he earned a double major in Business Management and Entrepreneurship from the esteemed Eller College of Management and McGuire Entrepreneurship programs.

Collin is responsible for the analysis and underwriting of all of our investments and will work hand in hand with Title, and Borrowers to ensure smooth transactions.

Andrew Goodwin


Andrew Goodwin is the co-founder of three successful businesses which provide service to commercial/industrial construction and everyday automotive consumers. Andrew excels in business operations, financing, and accounting with a passion for growing businesses.

As an Arizona native, Andrew has built relationships in the Commercial and Residential Real Estate market since the beginning of his career. By working closely with builders, developers, real estate agents and backend real estate personnel, mastering relationships has been a strength. Andrew graduated from The University of Arizona in 2013 from Eller College of Business Management with a Bachelor’s in Management Information Systems and in 2015 from The Thunderbird School of Management with a Master’s in Business Management.

Chad Formica

VP Business Development

Chadwick Formica comes to Zona Loans with over 10 years of experience in the lending industry working for the largest retail lender in America. In his tenure there he closed over $800 million dollars in loans and helped thousands of families turn their dreams into a reality through top-level client service, professionalism, and integrity.

Chadwick is a graduate of Queen’s University where he was a member of the men’s lacrosse team and graduated with a degree in business. He is a goal-oriented, self-driven individual and will be our frontline mortgage and lending professional.

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NMLS Consumer Access

2023 Zona Loans, LLC NMLS #2357469

Contact Us

Collin Crowley
(503) 703-1355

Andrew Goodwin
(480) 223-8737

Chad Formica
(248) 880-8754