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Small Business Loans in Arizona

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10 Small Business Loans in Arizona

Our list results from an extensive, internal research effort focused on small business lending in Arizona, based on reliable and verifiable data. We've sorted these lenders by the volume of small business loans they have issued this year.

This approach highlights those financial institutions that are truly active in providing loans to small businesses within Arizona.

(This is in contrast to many other sites, which tend to focus on nonprofits with limited lending activities or government programs that are not easily accessible.)

Takeaway: All but one of the top-lending banks for small businesses in Arizona are national banks.

Methodology: Our study is based on data from SBA 7a loans, ensuring that every lender we mention provides these types of loans. Additionally, we've gathered details on various other small business loan options that these lenders promote on their websites.

It's important to recognize that mainstream banks typically set high standards, demanding strong credit scores and at least two years of business operation. In response to this, we've begun our list with a couple of financing alternatives designed for small business proprietors who might be struggling with lower credit scores or who are relatively new to the business scene.

1. Credit Suite

Credit Suite stands out in the business credit advisory and software sector with its two unique financial products.

For business owners with bad credit, they offer Cash Flow Financing. This allows you to leverage your business's ongoing cash flow for obtaining flexible funding. Instead of fixed monthly payments, repayment is based on a percentage of your regular cash flow.

Additionally, their Credit Line Hybrid focuses on providing finance based on personal credit standing alone, eliminating the need for detailed financial statements, banking records, or business plans.

With available funding ranging from $5,000 to $150,000, this make an excellent option for newer and established businesses.

Business financing options offered:

  • Credit Suite Cash Flow Financing
  • Credit Suite Credit Line Hybrid
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2. Wells Fargo Bank

Wells Fargo, a prominent national banking institution, is likely a familiar sight in your local area. Despite its vast size, it's quite unexpected that their range of small business financing options is relatively modest. However, their significant position on this list is due to the substantial volume of loans they successfully process and issue.

Business financing options offered:

  • SBA 7a Loans & 504 Loans

  • 2 Business Lines of Credit

  • Practice Financing

3. US Bank

US Bank, a large national bank, offers an array of business loan options. With its wide presence through numerous physical branches, it's a familiar entity in many areas. Notably, in Arizona, they stand out as the top issuer of SBA loans, more than any other financial provider in the state.

Business financing options offered:

  • US Bank Quick Loan
  • Business Term Loan
  • Commercial Real Estate Loan
  • Equipment Financing
  • SBA Loans
  • Dental, Medical, and Vet Practice Loans
  • Business Line of Credit
  • Manage Cash Flow
  • Business Equity Line of Credit
  • Business Reserve Line
  • 4 Business Credit Cards

4. The Huntington National Bank

Huntington National Bank goes beyond being a leading small business lender in this region; it's also the premier provider of SBA 7a loans in the entire United States.

This notable achievement ranks them among the top 10 lenders in nearly all other states, showcasing their strong commitment to aiding small businesses.

Additionally, Huntington National Bank offers an extensive range of other financial solutions tailored for small enterprises. This includes services such as equipment leasing, agricultural loans, and various types of real estate financing.

Business financing options offered:

  • SBA 7a Loans

  • Equipment Leasing

  • Church Lending

  • Greek House Financing

  • Agricultural Loans

  • Warehouse Lending

  • Real Estate Loans, Term Loans, and Lines of Credit 

5. BayFirst National Bank

BayFirst National is primarily concentrated on SBA loans. On their website, you'll find phrases like "Lightning Fast Business Loans!" and "In-house team, quick funding," highlighting their approach. Their key strength lies in their internal underwriting team, ensuring both rapid processing and specialized expertise.

Given that SBA loans are typically known for their lengthy funding process, BayFirst National's ability to expedite this is a significant benefit.

Business financing options offered:

  • SBA Loans

  • Commercial Real Estate Loans

  • Commercial Term Loans

  • Commercial Lines of Credit

  • Construction Loans

  • Heavy Equipment Financing

6. JP Morgan Chase Bank

Chase Bank ranks among the largest banks in the U.S., making it an obvious choice for extensive small business lending activities in Arizona.

They are well-known among small business owners, particularly for their highly regarded business credit cards. These cards are known for their lucrative rewards programs. Chase has even teamed up with leading airlines and hotel chains to enhance the rewards available through many of their credit cards.

Business financing options offered:

  • 2 Business lines of credit

  • 3 Business loans

  • Commercial real estate financing

  • 4 business credit cards, plus 6 co-branded airline/hotel cards

7. Live Oak Banking Company

Live Oak is notably active in providing SBA loans across the nation. While their website might not detail their full range of loan options, they invest considerable effort in getting to know the specific sectors their clients operate in.

Their website highlights a remarkable number of 48 distinct industries, proudly stating that they have specialized financing solutions tailored for each of these sectors.

Business financing options offered:

  • SBA Loans

  • USDA Loans

  • Industry Vertical Loans

8. Celtic Bank Corporation

Celtic Bank is a key player in the field of business lending. Operating across numerous states, they are known for partnering with various fintech companies and offer a wide selection of business financing products.

Their approach is marked by clear pricing and flexible terms. For any entrepreneur in search of business financing, Celtic Bank is definitely worth considering.

Business financing options offered:

  • SBA 7(A) Loans

  • Celtic Express Loans

  • SBA 504 Loans

  • Small Business Construction Financing

  • Asset-Based Lending

  • Equipment Leasing & Financing

  • Renewable Energy and Sustainable Infrastructure

  • Commercial Construction Financing

  • Finance a Business Acquisition

  • Working Capital SBA Loans at Celtic Bank

  • Refinance Expensive Business Debt

  • USDA Rural Development Loans

  • Finance a Partner Buyout

  • Commercial Real Estate Financing

9. Bell Bank

Bell Bank is a bank from North Dakota that weirdly has a large presence in Arizona. It has a vast array of business financing products, including the eponymous “Bell Capital Finance”. This particular product is designed to help middle-market companies acquire, refinance, and buy equity stakes in other businesses.

Business financing options offered:

  • SBA Loans
  • Commercial & Industrial
  • Commercial Real Estate
  • Nonprofit Banking
  • Agriculture
  • “Bell Capital Finance” - Structured Senior Cash Flow Loans
  • Equipment Finance
  • Correspondent Banking
  • 5 Business Credit Cards

10. NewTek Small Business Finance

Newtek might not be as familiar as conventional banks with physical branches, but it's a significant, publicly traded entity heavily involved in small business lending.

While their website showcases just a handful of small business financing choices, their repertoire extends to a much broader spectrum of financial services and products aimed at small businesses. This includes offerings such as payment processing, insurance, employee benefits, and payroll management services, to name a few.

Business financing options offered:

  • Term Loans

  • Asset Based Financing

  • Inventory Based Financing

  • SBA Loans

How to apply for a small business loan in Arizona 

Getting your small business funded doesn't have to be overwhelming, regardless of how many steps may be involved. Let the leading business guides at Credit Suite help you along the way!

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