Arizona's best
SBA Loan options

Whatever your small business needs – start-up, real estate, debt refinance, expansion or inventory – Arizona Financial offers small business owners access to federally backed and guaranteed financing at competitive rates.

Making the Impossible, Possible

Ranked Arizona's number one SBA lender three years in a row

Case Study:
Jose's Sheet Metal

Funding is one of the biggest challenges for a new business or expanding business.

See how Arizona Financial helped Jose's Sheet Metal, a family-owned business based in Phoenix, expand to new locations by providing the experience and expertise to guide them through the SBA loan process.

Jose and Tony made the impossible, possible, and Arizona Financial was privileged to help them on their journey!

Get Your SBA Loan with the
#1 SBA Lender in Arizona!1

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man cutting red ribbon for new business opening

SBA Loan Options

Arizona Financial is an SBA Preferred Lending Partner. We've worked hard to meet the strict criteria of being a preferred lender, and now have the highest preference that the Small Business Administration gives lenders. What this means for you is a more streamlined processes and quicker decisions to get access to the money you need.

Speak with an SBA lending specialist to learn more.

SBA's most common loan program for borrowers looking to start, acquire, or expand a small business. Key features include:

  • Minimal equity requirements
  • No minimum collateral requirements
  • Minimal repayment penalties

For a small business that needs long-term fixed-rate financing for real estate. Key features for this type of loan:

  • Max 90% leverage (less for startup and/or special use)
  • Longer term prepayment penalties
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Explore SBA 7(a) Loans

For borrowers looking to start, acquire or expand a small business with these loan types:

  • Real Estate Acquisition & Refinancing
  • Business Debt Refinancing
  • Business Acquisitions & Partner Buyouts
  • Equipment Financing
  • Business Expansion/Working Capital
  • Mixed-Use Financing

Maximum loan size is $5 million with maturity between 10 and 25 years (matches use of proceeds) and no balloon payments.

Learn more about the SBA 7(a) Loan process by speaking with a lending expert—meet in person or by video appointment. 

Requirements for SBA 7(a) Loan

Some of the requirements to be eligible for 7(a) loan assistance, businesses must:

  • Operate for profit and be considered a small business, as defined by SBA
  • Use alternative financial resources, including personal assets, before seeking financial assistance
  • Be able to demonstrate a need for a loan
    and use the funds for a sound business purpose

Contact us to see if you qualify for a SBA 7(a) Loan. 

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man with hard hat looing up while holding paperwork in a construction site

Explore SBA 504 Loans

For small businesses that need financing for real estate. The maximum loan size is:

  • $1.8 Million | Non-multi-use properties
  • Maximum loan amount $5.4 Million | Multi-use properties 
  • Certain eligible energy-efficient or manufacturing projects may qualify for up to $5.5 Million

Maturity for the first deed of trust loan is amortized over 25 years and up to 25 years on the second deed of trust loan.

The SBA 504 Loan offers 5-year fixed interest rates with recourse to any 20% or more owner.

Requirements for SBA 504 Loan

To be eligible for a 504 loan, your business must:

  • Operate as a for-profit company in the United States or its possessions
  • Have a tangible net worth of less than $15 million
  • Have an average net income of less than $5 million after federal income taxes for the two years preceding your application

For additional information on eligibility criteria and loan application requirements, schedule an appointment with one of our lending specialists.

woman with glasses sitting and reading requirements for sba 504 loan

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!  Get Started!

SBA Loan Resources

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