Phoenix Business Loans

Find the best Phoenix, Arizona Small Business Loans

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With over 1.6 million residents, the city of Phoenix, Arizona, is the fifth most populous city and largest state capital by population in the United States. Arizona borders eight other states, but Phoenix is the anchor of the area. The area is also known as the Valley of the Sun, which is part of the greater Salt River Valley. Currently, the area’s top industries are real estate, finance, insurance, manufacturing, retail trade, healthcare, and government (including federal, state, and local governments).

The demand for business lending is increasing dramatically as Phoenix, Arizona as small businesses continue to grow to meet demand of the public. Growing businesses need capital, but Banks and credit unions have strict guidelines, so getting a business loan from a bank is challenging when trying to find solutions to financial needs.

Because of this, Phoenix business owners are seeking alternitives. Thats where advancepoint's lending marketplace can offer many different financing options that can't be found by Arizona businesses at banks. The best way to find out about our loan programs and network of online lenders is to speak with our lending experts. Contact us for your business needs.

At AdvancePoint Capital, we are experts in small business lending. We have a wide variety of loan products available to small businesses such as business line of credit, business term loans, business cash advance and equipment financing to name a few, so we are sure to have a loan that fits your needs. We also offer free consultations to any Phoenix business, so you can learn more about our loans, the loan application process and how they can benefit your business.

How Do I Get A
Small Business Loan in Phoenix?

Small business loans can be a great way to get the funding you need to start or grow your business. However, it can be difficult to get approved for a small business loan. The best way to increase your chances of getting approved is to work with a lending partner with options and alternatives when it comes to business loans. Access our large network of lenders thatwe have tailored for Arizona companies.

At AdvancePoint Capital, our team of lending experts has a deep understanding of the Phoenix market and our financing options. We know which lenders are more likely to approve your loan and we can match you with the best lender for your needs. We also offer free consultations, so you can learn more about our loans and how they can benefit your business. To get started, contact us today to schedule a free consultation. We look forward to helping you get the funding you need to grow your business!

The 9 Best
Financing Options and Resources for
Phoenix Small Businesses

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Long-Term Small Business Loans for
Phoenix Small Businesses

Larger businesses that are looking for funding for a major business expansion turn to long term business loans. Due to the large amount of money that will be needed for expansion, the repayment will need to be extended over a long period of time to have affordable payments under current revenue.

Business Line of Credit

Business Line of Credit for
Phoenix Small Businesses

A line of credit allows businesses to access money by a draw at will off the line, up to a credit limit that is determined at approval. Business lines are revolving lines and interest is applied to the outstanding balance, making short term draws and repayment attractive as interest is only paid during the time outstanding. Great working capital solution.

small business loan

Small Business Credit Cards for
Phoenix Small Business

Credit cards are always a tool in the tool box for business owners. Great for quick purchases and to handle some monthly business expenses.

Short-Term Business Loan

Short-Term Small Business Loans for
Phoenix Businesses

Short term small business financing comes into play when the business owner has some credit issues or perhaps some weaknesses in financial documentation that prevent them from getting traditional loans. Short term loans have lower credit standards and document requirements making approval more likely. Funds are available same day in some cases.

Small Business Cash Advance

Business Cash Advance for
Phoenix Businesses

Business cash advance are not loans but advances of future sales of the business. A great option for those turndown for business loans and/or lines of credit. This product allows for all credit from excellent to poor credit and documents required are typically limited to a 1 page application and 3 months bank statements to get an approval.

Merchant Cash Advance

Merchant Cash Advance for
Businesses in Phoenix

A merchant cash advance, is not a loan but an advance of future sales receivables. This advance is repaid by the funder taking a set percentage of future credit card processing until the advance is paid back in full. Due to this repayment process, repayment is flexible and attached to future sales unlike fixed payments.

SBA Loan

Small Business Administration (SBA) Loans for Phoenix Small Businesses

An SBA loan is administered by the Small Business Administration which sets the guidelines and requirements for SBA approved lenders. SBA provides those approved lenders with certain loan guarantees so they will take on the risk of SBA financing which have low interest rates and favorable terms. SBA Loan programs include the popular SBA 7(a) for working capital, and the SBA Express loan up to $50,000. SBA Express loans are typically originated by banks due to small loan size. The application process is detailed and requires a significant amount of documentation to obtain financing. SBA loans are worth the effort,. Let us help you find the right SBA lender.

Invoice Financing

Invoice Financing for
Phoenix Small Businesses

For businesses that invoice there clients regularly, invoice factoring is a popular option which allows businesses to get an advance on invoices that are outstanding but within the terms of repayment of 15,30.45 or 60 days. Great solution to improve short term cash flow.

Equipment Financing

Equipment Financing for
Small Business in Phoenix

When looking to purchase expensive new equipment, equipment loans or leases are a great option to spread those costs over years instead of months, with affordable monthly payments.

sba arizona resource guide

U.S. Small Business Administration

How to Grow Your Business in Arizona

View the Arizona Small Business Resource Guide for information and assistance in growing your local business, exploring funding options, and contracting.

U.S. (SBA) U.S. Small Business Administration
Arizona District Office

Find local assistance

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Why Do Phoenix Small Business Owners Need Financing?

The list of the most common reasons small business owners use business financing.

  • Working capital loans
  • Equipment purchase and repair
  • Inventory needs for funds
  • Finance business plan expansion (capital for growth)
  • Office renovation
  • Cash workflow shortages
  • Consolidate business debt
  • Website development and website maintenance for online customer services
  • Emergency needs for funds
  • Advertising and marketing to acquire customers
  • Jobs creation (employees), employee training resources, and expenses

Additional Business Resources, Financial Initiatives, Programs, and Small Business Grants for Arizona Small Businesses.

City of Phoenix Grants and Funding - Contact the city for additional resources for your business.

America’s SBDC Arizona- The AZSBDC Network provides one-on-one confidential evaluation and guidance by Business Advisors with business ownership and management experience to help you fast-track your plans and position your business for success. They also offer affordable workshops and seminars to help you gain the financial knowledge and skills you need to succeed.

Arizona Commerce Authority – LOANS AND LOAN PROGRAMS

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AdvancePoint Capital makes the loan application process a simple, straightforward experience.

Frequently Asked Questions

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