AZ · State guide

Business loans in Arizona

Arizona businesses can reach three separate pools of money: lenders that publish availability here, the state's own financing programs, and federal SBA lending through local participants. We have 4 state programs on file with published terms.

15 cities covered Checked 14 Sep 2026
Get funding in Arizona See the shortlist

Where to start in Arizona

No lender here publishes a state-by-state availability list naming AZ, so this is the directory ranked by how much each one puts on the record. Absence from a list nobody publishes means nothing.

  1. 100%

    Forward Financing

    $5K – $500K Same day Credit from 500
    9/9 on the record
  2. 100%

    ROK Financial

    $10K – $5M 1-3 days Credit from 500
    9/9 on the record
  3. 100%

    South End Capital

    $1K – $5M Same-day funding available Credit from 650
    9/9 on the record
  4. 89%

    Bizcap US

    Up to $2M Same day Credit from 550
    8/9 on the record
  5. 89%

    ByzFunder

    Up to $500K Same day Credit from 525
    8/9 on the record
  6. 89%

    Fora Financial

    $5K – $1.5M As little as 24 hours Credit from 570
    8/9 on the record
  7. 89%

    Fox Business Funding

    Up to $1M As little as 2 business days Credit from 550
    8/9 on the record
  8. 89%

    National Funding

    $6K – $500K As fast as 24 hours Credit from 600
    8/9 on the record
  9. 89%

    Straight Line Source

    Partner
    $5K – $10M Same day Credit from 500
    8/9 on the record
  10. 78%

    Biz2Credit

    $25K – $2M Decision as fast as 24 hours Credit from 650
    7/9 on the record
  11. 78%

    CAN Capital

    $2K – $400K As fast as the next business day Credit from 600
    7/9 on the record
  12. 78%

    Credibly

    $5K – $10M As fast as 4 hours after approval Credit from 550
    7/9 on the record
published not published Ordered by disclosure, not by what anyone pays us. The score is a count of what a lender publishes, not a rating of the lender.

What Arizona itself funds

Arizona Loan Guarantee Program (AZLGP)Administered by Arizona Commerce Authority (ACA), through partner lenders. "startup costs, working capital, equipment, inventory, the purchase of any tangible or intangible assets except goodwill, and the purchase, construction, renovation, or tenant improvements" - commercial real estate for owner-occupied use or leasehold improvements also qualifies. Published amounts: "provides guarantees to partnering lenders for up to 50% of principal on loans to eligible businesses." Loan amounts vary by lender partner (advertised across partners from roughly $1,000 to $1,000,000). "rate, term, and collateral requirements will be set by each individual lender's policies." Eligibility as published: "Borrowers need to be Arizona businesses with fewer than 750 employees that benefit the state." Sole proprietors, independent contractors, worker cooperatives, employee-owned entities, Tribal enterprises, nonprofits, faith-based organizations and government-owned corporations are eligible. Ineligible: principals convicted of sex offenses against minors; speculative trading; pyramid schemes; marijuana/THC businesses; entities deriving over one-third of revenue from gambling; businesses primarily engaged in passive real estate investment or lobbying.
Arizona Venture Co-Invest Program (AVC Ignite)Administered by AZ Venture Capital Inc. (AVC), on behalf of the Arizona Commerce Authority. Direct equity investments in innovative seed- and early-stage businesses in targeted sectors. Published amounts: Not published on the ACA page. Eligibility as published: Not published on the ACA page beyond general SSBCI eligibility (Arizona businesses, fewer than 750 employees, SSBCI-ineligible business types excluded).
Arizona Multi-Fund Venture Capital Program (AVC Limited Partner)Administered by AZ Venture Capital Inc. (AVC), on behalf of the Arizona Commerce Authority. Equity investments in established venture capital firms that invest in Arizona businesses (fund-of-funds). Published amounts: Not published on the ACA page. Eligibility as published: Established venture capital firms; details not published on the ACA page.
Arizona SSBCI Technical Assistance Grant ProgramAdministered by Arizona Commerce Authority (ACA). No-cost technical assistance to prepare small businesses for debt or equity funding: financial advisory (banking relationships, business plans, pitch decks, funding readiness workshops), accounting services (financial statements, tax services, accounting practices) and legal assistance (business formation, contracts, licensing, trademark advisory). Published amounts: Services are provided at no cost; per-business grant amounts are not published. Eligibility as published: SEDI-owned businesses and very small businesses (VSBs) that are applying for, preparing to apply for, or have previously applied for capital from SSBCI-supported or other eligible federal/state programs.

Federal money behind these programs

Arizona was allocated $111.0M under the federal State Small Business Credit Initiative, which is what funds most of the credit enhancements above. SSBCI money reaches businesses through participating lenders rather than from the state directly, so the application still goes through a bank or a CDFI.

What we could not confirm

Census figures taken directly from QuickFacts BZA010223 for AZ (vintage 2023). Note that veteran-owned employer firms for Arizona are suppressed on QuickFacts (does not meet publication standards); only the requested fields are recorded here. SSBCI allocation $111.0M from Treasury's Capital Program Summaries. The Arizona Commerce Authority's own SSBCI pages do NOT publish the state's total allocation. A separate Treasury press release (jy2585) awards the Arizona Commerce Authority "$7.9 million" under the SSBCI Investing in America Small Business Opportunity Program - that is an additional, separate award, not the capital allocation. No expired-but-still-linked programs were found on azcommerce.com; all listed programs are current SSBCI programs. However, the venture programs publish no eligibility detail, amounts or explicit application status, so appears_active=true reflects only the absence of closure language plus live application links. Cities are 2020 decennial census counts from the Wikipedia list of Arizona municipalities, down to 25,000 population. The county shown is the county the Wikipedia table assigns; municipalities known to span a second county are flagged in county_note.

Cities in Arizona

ChandlerFlagstaffGilbertGlendaleLake Havasu CityMaricopaMesaPeoriaPhoenixPrescott ValleyScottsdaleSurpriseTempeTucsonYuma

More for Arizona

GuideFunding a business in Arizona: a loan guarantee programme and a light regulatory hand Arizona's federal small business credit allocation runs through a loan guarantee programme and two venture funds. There is no state disclosure law. GuideSmall business funding in Arizona: a loan guarantee, no disclosure rule, and a construction-heavy borrower base Arizona's commerce authority guarantees bank loans rather than making them, and nothing in state law requires a funder to show you the cost.

Business funding in Arizona — common questions

Can I get business funding in Arizona?

Yes. 12 funders in this directory serve businesses in Arizona, and 0 of them name Arizona explicitly in their published availability rather than being included by default.

Does Arizona require lenders to disclose the cost of business financing?

Arizona's position is set out on this page. As of 2026 only a small number of states require a commercial financing disclosure, and in the rest you will not receive one — which means you have to ask for the total dollar cost, the term and every fee in writing yourself.

Are there state programmes for small business capital in Arizona?

3 state-level programmes are recorded here with a link to the administering agency. Programmes open and close, so confirm the current position on the agency's own site before relying on one.

Is a merchant cash advance legal in Arizona?

Commercial financing generally sits outside the consumer credit rules most people have heard of, and most state usury caps do not reach business-purpose transactions. What varies is disclosure, broker registration and lender licensing. This is general information, not legal advice for your situation.

How do I check for liens filed against my business in Arizona?

Through Arizona's UCC filing office, which is named on this page. Search your exact registered entity name — a filing under a slightly different name will not come back, and neither will a stale one nobody terminated.

Which lenders will not fund in Arizona?

Where a funder publishes an excluded-states list, this page shows it. Many publish nothing, which is not the same as being available — it means you have to ask.

Does being based in Arizona change what I pay?

Not directly in most cases. What changes is what you are told before you sign, and what recourse you have afterwards, both of which depend on your state's rules and on the jurisdiction clause in the contract.

What should I have ready before applying?

Three months of business bank statements, your time in business from a verifiable date, average monthly deposits, your entity's good standing, and a clear figure for what you need and what for.

How current is this page?

Every figure carries the date it was checked. Where a check has passed its review date the page says so rather than presenting as current.