Equipment Financing to grow your business

We're invested in helping you reach your business goals with the equipment you need to get the job done.

Apply Now
Commercial Real Estate

Looking for working capital to purchase equipment? An Equipment Loan may be the solution you need.

machinery in an assembly line that was financed with an equipment loan

Arizona Financial offers loans for equipment purchases of all sizes.

  • Upgrade old, outdated equipment to increase production and decrease safety concerns
  • Buy new equipment to expand your business
  • Our equipment loans give you the flexibility to improve and expand your business on your terms
Contact Now
workout equipment in a gym

What Our Equipment Financing Offers You

When it comes to expanding your business, we're here to support you every step of the way. Let's get you the equipment you need to get the job done, keep you and your employees safe, and keep your customers happy.

Get Started
Competitive Rates

Our equipment financing options have competitive rates so you can keep more money in your pocket.

Flexible Terms

We understand your business is unique. That's why we offer flexible terms that will fit your budget and timeline. 

Multiple Solutions

You may need one piece of equipment or you may need several. We have solutions to fit all your equipment needs.

Fast Response

Time is money! Your equipment financing application stays right here for local decisioning and a fast response.

woman on mobile phone excited that her local business is growing

Helping Local Businesses Grow

As a locally-owned financial cooperative, we're eager to help other local businesses grow and expand in our community with commercial loans for real estate, construction and equipment, as well as SBA loans.

Apply Now

Contact Our Business Experts

Meet our Business Lending Team

From start to finish, our local experts will answer any questions, guide you through the process, and create an experience for you that is both fast and seamless. Our local team knows what to expect and how to get the job done right!

Contact The Team

Equipment Financing Resources

Link

Arizona's #1 SBA Lender

We're proud to be recognized as Arizona's #1 SBA lender based on Ranking Arizona's marketplace survey. Plus, as an SBA Preferred Lending Partner as designated by the U.S. Small Business Administration, we can streamline the lending process to deliver quicker loan decisions.

Read More
Blog Post

Bookkeeping Basics: Separating Business & Personal Finances

Do you own a small business? Here’s a super-easy way to manage your business finances.

Read More
Blog Post

8 Essential Banking Tips From Small Business Owners

We asked small business owners for some tips about what helped their bottom lines and what features they look for in a bank.

Read More
Blog Post

Essential Small-Business Tools For Marketing Your Business

Getting your business name in front of the right eyes is more important than ever – especially in the age of digital marketing.

Read More

Frequently Asked Questions

What are the requirements for Arizona Financial to serve my business?

For Arizona Financial to serve a business, the business must be within our field of membership as described below. Please call us if you have any questions and we’ll be happy to help.

Arizona Financial's field of membership includes Coconino, Gila, La Paz, Maricopa, Mohave, Navajo, Pima, Pinal, Yavapai and Yuma counties.

Immediate family or individuals in the same household of a current member are eligible.

Individuals who have made a donation of at least $15 to Local First Arizona are also eligible.

A business must meet one of the following field of membership requirements:

  • The known place of your business is within our field of membership.
  • The business has a substantial physical presence or substantially serves the residents within our field of membership.
    • This usually means that at least 51% of physical locations or revenue are within our field of membership.
  • All members, managers and/or officers live, work, or attend school within our field of membership.
What are the business eligibility requirements to open a business account?

We can serve most businesses who answer no to the questions below.

  • Does your business remotely create checks (checks without signatures)?
  • Is your business a money service business, engaging in any of the following:
    • Check cashing
    • Issuing Money Orders or Traveler’s checks
    • Owns or operates an ATM
    • Issues pre-paid cards
    • Currency Dealer or Exchange
  • Does your business engage in marijuana related services?
  • Does your business provide correspondent banking services?
  • Is your business illegal under Federal and/or State law?
  • Does your business deal with gaming or gambling services?
  • Will the account be used to hold the funds for election, re-election or a political action committee?
What documentation do I need to open a business account?

Account opening documents are listed based on the type of business you have.

  • Limited Liability Company (LLC) and Corporation and Nonprofit Corporation:
    • Confirmation of Employer Identification (EIN) on form SS-4 from the IRS or the signed tax return from the previous year.
    • Articles of Organization and appropriate amendments as filed with the Arizona Corporation Commission.
    • Bylaws or Operating Agreement is most commonly required if all managers/members will not be listed on the account.
    • Good Standing: The business must reflect as active and in good standing on the Arizona Corporation Commission website.
  • Partnership or General Partnership:
    • Confirmation of Employer Identification (EIN) on form SS-4 from the IRS or the signed tax return from the previous year.
    • Partnership Agreement or General Partnership Agreement
    • Secretary of State Name Filing
  • Nonprofit Organization:
    • Confirmation of Employer Identification (EIN) on form SS-4 from the IRS or the signed tax return from the previous year.
    • Meeting Minutes
    • Good Standing: The business must reflect as active and in good standing on the Arizona Corporation Commission website.
  • Organization or Club Account:
    • Confirmation of Employer Identification (EIN) on form SS-4 from the IRS or the signed tax return from the previous year. (If an EIN is being used for the organization or club)
    • Meeting Minutes
    • Name, address and phone numbers for all officers.
Do you offer Residential Construction Loans?

Yes, Arizona Financial does offer construction loans. To learn more, please visit our Construction Loan page.