Business Loans in Arizona: Options, Rates and Resources
Complete guide to business financing in Arizona including state programs, SBA resources, and industry considerations for AZ business owners.
Arizona is home to over 550,000 small businesses, with Phoenix and Tucson driving growth across technology, healthcare, and manufacturing. The state has become a major destination for business relocation from higher-cost states, particularly in the tech sector.
Arizona business owners have access to financing through national lenders, regional banks, and state-specific programs supporting the state's rapidly growing economy.
Business Loan Options Available in Arizona
Arizona business owners have access to all major financing products:
- SBA 7(a) Loans — $25K–$5M with 10–25 year terms. Popular for tech and healthcare businesses.
- Term Loans — $25K–$500K+ with 1–5 year terms. Faster funding for rapid growth.
- Business Lines of Credit — $10K–$250K revolving. Essential for working capital.
- Equipment Financing — Finance up to 100% of equipment cost. Common in manufacturing and construction.
- Merchant Cash Advances — Fast funding based on card sales. Higher cost — understand total repayment.
- Invoice Factoring — Convert B2B receivables to cash.
Arizona-Specific Business Programs
Arizona offers state-backed programs to support small business growth:
- Arizona Commerce Authority — Provides various business incentives and financing connections.
- Arizona Small Business Association — Resources and financing guidance for small businesses.
- Arizona Industrial Development Authority — Bond financing for qualifying projects.
- Prestamos CDFI — Community lender focused on underserved businesses.
- Local First Arizona Foundation — Supports locally-owned independent businesses.
SBA Resources in Arizona
Arizona has 1 SBA District Office in Phoenix, serving the entire state.
Top Industries in Arizona and Financing Needs
Arizona's key industries have distinct financing requirements:
| Industry | Typical Financing Uses | Common Products |
|---|---|---|
| Technology | R&D, hiring, equipment, facilities | Term loans, LOC |
| Healthcare | Practice acquisition, equipment | SBA 7(a), equipment financing |
| Manufacturing | Machinery, facility expansion | SBA 7(a), equipment financing |
| Construction | Equipment, working capital | Equipment financing, LOC |
| Tourism/Hospitality | Renovations, equipment | SBA 7(a), equipment financing |
| Real Estate | Development, property acquisition | SBA 504, commercial mortgages |
Arizona Business Lending Statistics
Understanding Arizona's lending landscape:
- Number of Small Businesses: Over 550,000 (99.5% of all AZ businesses)
- SBA 7(a) Lending Volume: Arizona ranks in the top 15 nationally
- Average SBA Loan Size: Approximately $370,000
- Top SBA Lending Counties: Maricopa (Phoenix), Pima (Tucson)
How Liminal Serves Arizona Businesses
Through our marketplace, Arizona business owners can:
- Compare offers from 75+ lenders serving Arizona businesses
- Complete one application to access multiple financing options
- Get matched with lenders experienced in Arizona industries
Ready to Get Started?
Our free pre-qualification takes 2 minutes and has no credit score impact.
Ready to explore your options?
See what financing you qualify for in minutes — no impact to your credit score.
Related Articles
SBA Loans Explained: A No-BS Guide for First-Time Business Owners
Cut through the jargon and understand exactly what SBA loans are, the three main programs, typical rates and terms, who qualifies, and what the process actually looks like.
Read more →Business Lines of Credit Explained: The Flexible Funding Option Every Founder Should Understand
Learn how business lines of credit work, including revolving vs non-revolving options, secured vs unsecured structures, typical credit limits, interest rates, fees, and when a LOC is the right choice for your business.
Read more →Equipment Financing: How to Get the Machinery, Vehicles, and Tech Your Business Needs
Learn how equipment financing works, what qualifies as equipment, typical loan terms and rates, and how self-collateralization makes approval easier for businesses of all sizes.
Read more →Important Disclosure
Not Financial Advice: The information provided in this article is for general informational purposes only and does not constitute financial, legal, or professional advice. You should consult with qualified professionals before making any financial decisions.
No Guarantee of Financing: Liminal Lending Co. is a business loan marketplace that connects borrowers with third-party lenders. We are not a lender and do not make credit decisions. Submitting an application does not guarantee approval or funding. Loan terms, rates, and availability vary by lender and are subject to borrower qualifications and lender criteria.
Third-Party Lenders: All loan products are offered by independent third-party lenders. Liminal Lending Co. is an Independent Sales Organization (ISO) and receives compensation from lenders for successful referrals. Terms and conditions of any loan are between you and the lender.
Rate Information: Rates, terms, and fees mentioned in this article are estimates based on publicly available information and may not reflect current market conditions or specific lender offers. Actual rates depend on creditworthiness, business financials, and lender policies.
Information May Change: Financial markets, lending regulations, and economic conditions are subject to rapid change. While we strive to keep our content accurate and up-to-date, information in this article may become outdated. Always verify current rates, terms, program availability, and regulatory requirements with lenders and official sources before making financial decisions.