Searching for trusted Arizona SBA lenders to fuel your business growth? Our comprehensive directory connects Arizona entrepreneurs with approved SBA loan providers throughout Phoenix, Tucson, Flagstaff, Scottsdale and across the state. Whether you’re pursuing SBA 7(a) loans, 504 loans, microloans, or disaster assistance, our list features the most active small business lenders with competitive rates and flexible terms for Arizona businesses. Discover which local banks, credit unions, and financial institutions participate in Small Business Administration lending programs, compare their requirements, and find the perfect financing partner to help your Arizona small business thrive in today’s dynamic economic landscape.
| Lender | Phone | Market Area | Lender Status |
|---|---|---|---|
| ALLIANCE BANK OF ARIZONA | (480) 998-6548 | Statewide | Preferred Lending Partner |
| AMERICA FIRST CU | (602) 538-9671 | Statewide | Preferred Lending Partner |
| ARIZONA CENTRAL CREDIT UNION | (602) 523-8342 | Central AZ | General Partner |
| ARIZONA FEDERAL CU | (480) 556-3205 | Statewide | General Partner |
| ATLANTIC CAPITAL BANK | (602) 577-7740 | Statewide | Preferred Lending Partner |
| BANK 34 | (480) 795-6936 | Statewide | General Partner |
| BANK OF AMERICA | (602) 695-0760 | Statewide | Preferred Lending Partner |
| BANK OF ARIZONA | (602) 240-2751 | Phoenix Metro Area | Preferred Lending Partner |
| BANK OF THE WEST | (602) 549-4860 | Statewide | Preferred Lending Partner |
| BBVA USA | (602) 522-2696 | Statewide | Preferred Lending Partner |
| BMO HARRIS BANK | (602) 330-4860 | Statewide | Preferred Lending Partner |
| BNC NATIONAL BANK | (602) 508-3773 | Statewide | Preferred Lending Partner |
| CANYON COMMUNITY BANK | (602) 603-3524 | Statewide | General Partner |
| CENTERSTONE SBA LENDING | (602) 999-7108 | Statewide | Preferred Lending Partner |
| COMERICA BANK | (714) 424-3838 | Statewide | Preferred Lending Partner |
| COMMERCE BANK OF ARIZONA | (480) 253-4505 | Statewide | General Partner |
| ENTERPRISE BANK | (913) 791-9112 | Statewide | Preferred Lending Partner |
| FIRST INTERNET BANK | (317) 372-7822 | Statewide | Preferred Lending Partner |
| HARVEST SMALL BUSINESS FINANCE | (602) 703-6301 | Statewide | Preferred Lending Partner |
| HORIZON COMMUNITY BANK | (928) 854-3147 | Statewide | Preferred Lending Partner |
| IOWA STATE BANK | (520) 314-2597 | Statewide | General Partner |
| JOHNSON BANK | (602) 381-2152 | Maricopa Co. | Preferred Lending Partner |
| JPMORGAN CHASE BANK | (623) 337-9969 | Statewide | Preferred Lending Partner |
| MEADOWS BANK | (623) 328-9770 | Statewide | Preferred Lending Partner |
| METRO PHOENIX BANK | (602) 346-1803 | Statewide | Preferred Lending Partner |
| MIDFIRST | (602) 801-5713 | Statewide | Preferred Lending Partner |
| MIDWEST REGIONAL SBL | (480)-468-5180 | Statewide | General Partner |
| MOUNTAIN AMERICA CU | (480) 487-5577 | Statewide | Preferred Lending Partner |
| NATIONAL BANK OF ARIZONA | (602) 212-5545 | Statewide | Preferred Lending Partner |
| ONEAZ CU | (602) 467-4262 | Statewide | General Partner |
| POPPY BANK | (480) 346-1218 | Statewide | Preferred Lending Partner |
| REPUBLIC BANKAZ | (602) 280-9402 | Statewide | General Partner |
| RADIUS BANK | (602) 635-6999 | Statewide | Preferred Lending Partner |
| READYCAP LENDING | (602) 538-9671 | Statewide | Preferred Lending Partner |
| STATE BANK OF ARIZONA | (928) 855-4050 ext.5201 | Statewide | General Partner |
| STEARNS BANK | (480) 391-5908 | Statewide | Preferred Lending Partner |
| SUNFLOWER BANK | (602) 292-5886 | Statewide | Preferred Lending Partner |
| T BANK | (602) 206-1417 | Statewide | Preferred Lending Partner |
| TEXAS CAPITAL | (602) 228-6647 | Statewide | Preferred Lending Partner |
| UMB BANK | (602) 912-6742 | Maricopa Co. | Preferred Lending Partner |
| U.S. BANK | (602) 222-4576 | Statewide | Preferred Lending Partner |
| VANTAGE WEST CREDIT UNION | (520) 617-4062 | Major Counties | General Partner |
| WELLS FARGO BANK ARIZONA | (602) 378-5221 | Statewide | Preferred Lending Partner |
| WESTERN BANK | (575) 388-3521 | Cochise Co. | General Partner |
| WEST VALLEY NATIONAL BANK | (714) 862-7085 | Statewide | General Partner |
| Specialty Lenders | |||
| BUSINESS DEV FIN CORP | (602) 381-6292 | Statewide – CDC | PCLP Preferred CDC |
| CDC SB FINANCE CORP | (602) 317-1192 | Statewide – CDC | PCLP Preferred CDC |
| MT. WEST SB FINANCE | (801) 474-3232 | Northern AZ – CDC | PCLP Preferred CDC |
| SOUTHWESTERN BUSINESS FIN | (602) 358-2075 | Statewide – CDC | PCLP Preferred CDC |
| PRESTAMOS SB LENDING | (602) 258-9911 | Statewide – Microlender | Non-Profit |
| DREAMSPRING | (720) 357-5372 | Statewide | Non-Profit |
| PPEP | (520) 806-4646 | So. Counties – Microlender | Non-Profit |
| LISC | (602) 252-6316 | Maricopa Co. | Non-Profit |
Frequently Asked Questions
Q: What are SBA loans and how do they work in Arizona?
A: SBA loans are government-backed loans provided through approved lenders in Arizona. The Small Business Administration guarantees a portion of the loan, reducing risk for lenders and allowing them to offer more favorable terms to Arizona small businesses. The lender provides the funds while the SBA guarantees repayment up to a certain percentage, typically 75-85% depending on the program. This structure enables Arizona entrepreneurs to access capital with lower down payments, longer repayment terms, and competitive interest rates compared to conventional business loans.
Q: What types of SBA loans are available to Arizona businesses?
A: Arizona businesses can access various SBA loan programs including:
- SBA 7(a) loans: The most common program for general business purposes with loans up to $5 million
- SBA 504 loans: For major fixed asset purchases like real estate or equipment
- SBA Microloans: Smaller loans up to $50,000 for startups and smaller businesses
- SBA Express loans: Faster approval process with loans up to $500,000
- SBA Disaster loans: Special assistance for businesses affected by declared disasters
Q: What are the minimum requirements to qualify for an SBA loan in Arizona?
A: To qualify for an SBA loan in Arizona, businesses typically need:
- For-profit operation based in Arizona
- Owner-occupied (not primarily for investment)
- Good personal credit (typically 650+ FICO score)
- Sufficient cash flow to support loan payments
- No recent bankruptcies, foreclosures, or defaults on government loans
- Reasonable owner equity investment (typically 10-30% depending on the program)
- Operating history of at least 2 years (though some lenders work with startups)
Q: Are there special SBA loan programs for businesses in Arizona’s tribal communities?
A: Yes, the SBA offers specific programs for Native American-owned businesses in Arizona, including those on tribal lands. The SBA Office of Native American Affairs provides specialized resources, and some Arizona lenders have programs specifically designed for tribal entrepreneurs. Additionally, the SBA partners with organizations like the National Center for American Indian Enterprise Development, which has a strong presence in Arizona, to increase capital access for tribal businesses.
Q: What other resources are available for SBA loans?
A: Other resources provided by Bigger Bottom Line include:
Q: How do I get assistance in getting an SBA or other business loan?
A: Contact the experts! We can assist from advising which lenders to submit to all the way through to developing & submitting a complete business loan package and anything in between. Contact us now for a free evaluation.