Arizona Small Business Loans

Arizona may be known as the “Grand Canyon State,” but it’s also an awesome place to build a business.

With a GDP topping $500 billion, Arizona’s economy is powered by industries like aerospace, tech, renewable energy, healthcare, and advanced manufacturing. Add in low taxes and easy access to major trade routes, and you’ve got a state that makes it easier to grow and thrive.

Whether you’re setting up shop in Phoenix, Tucson, or Flagstaff, each city has its own vibe and plenty of opportunities. And with pro sports teams like the Cardinals, Suns, and Diamondbacks keeping things exciting, it’s a state full of energy and community.

Types of Business Loans in Arizona

Arizona’s economy is driven by key industries such as technology, healthcare, manufacturing, agriculture, and tourism. The state has become a hub for innovation and business development, providing a wealth of opportunities for small businesses. Whether you’re looking to expand, purchase equipment, or improve cash flow, Arizona offers a range of financing options to suit your needs.

Arizona offers a wide variety of funding options for small businesses. Understanding each type can help you determine which one best suits your business needs.

Equipment Financing

Many small business owners hear about equipment financing and think of big excavators and tractors. Yes, construction equipment is financeable – but so is a lot of other equipment. Big or small, basic or complicated, we provide small business owners with a fast and effective means to finance any type of equipment that they may need.

Learn More

Unsecured Business Loans

Rates so low that you will forget that you’re repaying it! Unsecured business loans require zero collateral but do require personal guarantees. Traditional bank rate financing with much quicker turnaround times. Want to expand, purchase inventory, hire employees, or refinance existing debt without having to wait 30 days?

Learn More

Merchant Cash Advance

Leverage your future sales in exchange for a lump sum of capital, today! Merchant Cash Advance are great for small businesses that need fast access to capital for new growth opportunities with little documentation required.

Learn More

SBA Loan

SBA loans are business loans guaranteed by the Small Business Administration. With their multiple SBA small business funding programs, this government agency provides SBA loan guarantees of up to 85% of the loan amount provided through an SBA-approved lender—typically banks.

Learn More

Business Line of Credit

Lines revolve and refresh, so any payments on principal made get added back to the available balance of the credit line. Business Line of Credit offers flexibility, good rates, and lack of restrictions which make it a good solution for any type of business, regardless of its industry.

Learn More

Startup Funding

Discover founder-friendly startup funding strategies—SBA loans, 0% credit hacks, grants & fast equipment financing. Launch smart, grow faster.

Learn More

How to Apply for a arizona Business Loan

Applying for a business loan in Arizona is quick and hassle-free. Whether you need funding to expand, manage cash flow, or invest in equipment, our streamlined process ensures fast approvals and flexible terms. With just a few steps, you can secure the capital your business needs to grow.

Apply in Minutes

Fill out our simple online application in just a few minutes. Provide basic business details, financial information, and the loan amount you need. No lengthy paperwork required.

Get a Quick Decision

Our system quickly reviews your application and lets you know if you qualify for one or multiple funding options. Choose the best funding option based on your business needs and repayment preferences.

4: Receive Your Funds

Once approved, sign your agreement and access your funds—Sometimes as fast as the same day. Use your financing to grow, manage cash flow, or invest in new opportunities.

Arizona Business Loans That Fit Every Industry in Every State

Business Loans in Every State
Business Loans By Industry

From Florida to California, we help small businesses get funded without the bank drama. Explore unsecured loans, equipment financing, and revenue-based options tailored to your state.

Pick your State to get started.

Restaurants, contractors, retailers, salons — we fund them all. Whether you need to hire, stock up, or upgrade equipment, find business loan options made for your industry.

Pick your business type and take the next step.

Best Banks for Business Loans in Arizona

Securing the right business loan in Arizona begins with choosing the right lender. Here are three top SBA lenders in Arizona that can help support your small business needs:

Wells Fargo

Wells Fargo is a leading SBA lender in Arizona, offering a wide range of financing options for small businesses. They specialize in SBA 7(a) loans, providing entrepreneurs with flexible terms and low-interest rates. Wells Fargo also offers valuable resources, including business planning and financial management tools, to help small business owners in Arizona succeed.
Banner Bank

Banner Bank is another great option for Arizona small business owners seeking SBA loans and other financing solutions. With a focus on building lasting relationships with local businesses, Banner Bank offers personalized service and expert guidance through the loan process. They provide SBA 7(a) and 504 loans, which are ideal for businesses looking for affordable financing options with flexible repayment terms.
Bank of America

Bank of America is a trusted name in business lending, offering SBA loans and a variety of other financing solutions to small businesses in Arizona. With a deep understanding of the local market, Bank of America is committed to helping businesses grow by providing access to capital and offering a wealth of financial tools and resources. Whether you’re expanding your operations or managing cash flow, Bank of America can help you secure the right loan for your business.

I appreciate the communication and knowledge the AMP team shared with me. I got the funding I needed in time and was able to pick up a big project I really wanted!

Matthew L.

It is an excellent company, the process to get funded was very easy and fast, and the customer service was very good 👍

Sebastián V.

Great customer service. Everyone was very friendly but still professional. They went the extra mile to help me get funding. They are awesome!

Stephanie D.

What our clients say about us

See what our clients say

Arizona Small Business loans F.A.Q.

What are the best options for Arizona small business loans ?

Small business owners in Arizona can access various loan options, including SBA 7a loans, SBA 504 loans, microloans, and equipment loans.

AMP Advance offers tailored funding solutions to help local businesses grow, with flexible loan options designed to meet a variety of business needs.

Are there specific Arizona business loan programs?

Yes, Arizona offers several small business loan programs tailored to the state’s growing economy. These include:

Arizona Commerce Authority Programs:
The Arizona Commerce Authority partners with lenders and offers initiatives like the Arizona Innovation Challenge and support services that can help unlock financing for startups and expanding companies.

Prestamos CDFI Small Business Loans:
Prestamos CDFI provides microloans and term loans to Arizona entrepreneurs, focusing on underserved communities and flexible underwriting.

Arizona Small Business Development Center Network (AZSBDC):
The AZSBDC Network helps business owners prepare for and access SBA and state‑facilitated loan programs through its statewide centers.

USDA Rural Development Loans:
Through USDA Rural Development, Arizona businesses in rural areas can access loan guarantees and direct loans for working capital, equipment, and facility upgrades.

Arizona Microloan Program (Prestamos / Chicanos Por La Causa):
The Arizona Microloan Program offers loans from $500 to $50,000 for startups and small businesses that may not qualify for traditional credit, along with business coaching and support services.

Raza Development Fund Small Business Lending:
The Raza Development Fund is a national CDFI headquartered in Phoenix, AZ, actively providing working capital loans and equipment financing to Arizona small businesses, with a mission to empower Latino‑owned and underserved enterprises.

How to get a small business loan in Arizona?

To apply for an Arizona small business loan, you typically need to provide business financials, your credit history, and a plan for how you’ll use the funds. AMP Advance streamlines this process with a fast, user-friendly application and quick approval times.

Qualifying is easy, our minimum requirements are:

6 mo in business
$10,000 per month in revenue
US based business
US citizen or legal resident

Can I get same-day funding for a business loan in Arizona?

Yes, AMP Advance specializes in fast approvals and even same-day funding for business loans in Arizona. They understand that quick access to capital can make all the difference for Arizona business owners.

Are there flexible repayment plans for Arizona business loans?

Absolutely. AMP Advance offers flexible repayment options for Arizona business loans to accommodate your cash flow and business model. Whether you need short-term or long-term funding, they provide solutions that work for you.