Small business financing and loans in Arizona

Helping 50,000+ businesses thrive—yours could be next.

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Credibly small business loans in Arizona field your growth

  • Funding that fits
    Too much financing can be as big of a challenge as too little. Get the right-sized capital to keep your business moving forward.
  • Grow, don’t owe
    Access working capital that helps you scale your business—without unnecessary financial strain.
  • The Credibly difference
    Get a hassle-free way to secure funding, with clear terms and a streamlined process designed for business owners like you.

Request a quote

LOAN TERMS
Approval

As fast as 2 hours

time to fund
Funding

As fast as 4 hours

$2.5+

Billion in financing

INTEREST RATE
50,000+

Small businesses financed

LOAN TERMS
Approval

As fast as 2 hours

time to fund
Funding

As fast as 4 hours

$2.5+

Billion in financing

INTEREST RATE
50,000+

Small businesses financed

Approval
as fast as 2 hours
Funding
as fast as 4 hours
$2.5+
Billion in financing
50,000+
Small businesses financed

Financing options for small businesses*

Working capital loan

Hire more staff

Hiring is one of the hardest parts of owning your business. A working capital loan for small businesses makes it easier to hire the staff you need.

Scale up your marketing campaigns

Let us help with the right small business loans so you can maximize marketing potential by investing in local ads, digital advertising, and strategic partnerships.

Business specific needs

The challenges you face are unique to you. We’re here to listen and ensure that you always have enough cash flow to seize an opportunity as it arises.

Merchant cash advance

Fluctuating revenue? Not a problem

Merchant cash advances are perfect for businesses with fluctuating revenue and lower credit scores.

You can use these funds to buy inventory, pay employees, make emergency repairs, pay for marketing expenses, purchase equipment, and finance other short-term expansion projects.

Long term loans

Open a new location

Enjoy lower APRs and longer payback periods—perfect for making down payments for a new location.

New equipment

Unlike traditional banks that make finding financing options difficult, we’ll provide you with reasonable interest rates.

Make renovations

Don’t get bogged down in red tape, get lower interest loans that let you make the repairs and updates you need.

Business line of credit

Capital when you need it

Get the most flexible access to working capital anytime you need it with revolving business lines of credit.

Draw only what you need

Withdraw exactly as much as you need, and don’t let your business get saddled with a loan you won’t utilize.

Pay for what you use

You’ll only pay interest on the amount you withdraw, which means the cost of capital is usually less than other types of funding.

How to apply for a small business loan online

Step 1
Apply online

Click "Get Started" to apply for financing.

Step 2
Gather required documents

We require certain documents from you in the approval process. Be ready with bank statements and a government-issued ID to get started.

Step 3
Approval in as little as 2 hours

Your application will be reviewed and you can get approved in as fast as 2 hours.

Step 4
Receive same-day funding

If approved, your requested financing can be transferred to your bank account as soon as the same business day.

What our customers say about our small business loans in Arizona

What customers say about our small business loans

More small business financing options*

Merchant cash advance

Provides you with up-front funding in exchange for a portion of future receivables.

Equipment financing

This small business financing option allows you to pay for your machine over the life of the lease with low APRs.

Line of credit

Get flexible financing to access funds when you need it.

SBA loans

Get lower interest rates and longer repayment periods. We’ll guide you through the application for a small business loan.

Why Credibly is the obvious choice for small business loans in Arizona

  • Apply online in minutes
  • Funding in as fast as 4 hours
  • Direct deposits to your account
  • Secure, seamless online process
  • Factor rates as low as 1.11**
Small Business Loans in Arizona

Small business loans in Arizona—The Credibly advantage

Credibly
Bank Loans
Credit Cards
SBA Loans
Funding Range
$5K-$600K
$100K
Credit dependent
Credit dependent
Process
Pre-qualify online
Soft credit pull only
Long application, credit inspection, business plan, and industry risk
Prequalify online
Soft credit pull only
Long application, credit inspection, business plan, and industry risk
Approval Time
Approval in as fast as 2 hours
Weeks-Months
Less than 30 Days
Months
Time to Funding
as fast as 4 hours
2-3 Months
7-10 Business days
60-90+ Days
Approval Criterias
Overall business health
Credit score and collateral
Credit score
Credit score and collateral

FAQs about small business loans in Arizona

Can I get a loan if I work from home or don’t have a storefront?

Yes. You don’t need a storefront to qualify for a small business loan in Arizona.

What matters is your revenue, time in business, and financial activity, not your business address. If you meet the basic qualifications, you could receive funding in as fast as 4 hours.

Can I get a small business loan in Arizona if my credit isn’t perfect?

Yes. If you’ve been in business for at least 6 months, bring in $25,000+ monthly, and have a credit score of 550+, you may qualify.

Requirements vary by financing type.

Our flexible options and real-world approval process give more local businesses access to funding that supports growth.

How does a business line of credit in Arizona work?

A business line of credit in Arizona works like a flexible borrowing account. You’re approved for a set limit and only draw funds when you need them.

You remit only what you use, and funds become available again as you pay them back. This is a great option for managing cash flow, handling emergencies, or taking advantage of short-term opportunities.

What should I have ready before applying for a small business loan in Arizona?

To apply, you’ll usually need your basic business and contact information and a few details about your monthly revenue and time in business. You will also need 3-4 months of business bank statements.

The application takes minutes, and you can submit everything online. Once received, we’ll review your information and reach out with any next steps.

If anything’s missing, our team will guide you through it.

What types of businesses qualify for small business loans in Arizona?

If your business has been operating for at least 6 months, brings in $25,000+ per month, and deposits revenue into a business bank account, you could qualify. Qualification requirements differ between financing options, however.

You don’t need perfect credit or a complex business plan. We evaluate real financial activity.

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*Some products are made available through Credibly’s network of external funding partners
**Factor rates are included in your daily estimate to simplify remittances and account monitoring. Best factor rates are available to merchants with excellent credit and financial strength.