Arizona

Business Loans in Arizona

Arizona businesses borrow from banks, credit unions, SBA lenders and non-bank lenders, and the Arizona Commerce Authority guarantees part of some loans made through community development lenders. Sagamore, a commercial loan broker, matches established Arizona businesses with lenders for lines of credit, term loans, SBA loans, equipment financing and invoice factoring.

Written by Jordan Levy, Founder & CEO · Last updated November 4, 2026

Apply Now — No Credit Impact Book a Free Consultation

State law

Does Arizona require business loan disclosures?

No. Arizona has no commercial financing disclosure law, and the federal Truth in Lending Act does not cover credit for business purposes. What you receive is the lender's offer and contract, so before you sign, get these in writing:

The total amount financed, and the amount you actually receive after fees or payoffs
The total you will repay
How much each payment is, how often it is due and how it is collected
Every fee, including origination, draw, late and returned-payment fees
What paying off early costs or saves
Any collateral, lien or personal guarantee the lender takes

At a glance

State disclosure law: None
Federal Truth in Lending Act: Consumer credit only
What governs the deal: Your contract

SBA

Where are the SBA offices in Arizona?

The SBA doesn't lend directly. Banks, credit unions and other SBA-approved lenders make 7(a) and 504 loans, and the SBA guarantees part of each one. District offices connect businesses with counseling, training and local lenders.

The Arizona District Office serves the entire state from Phoenix, with a branch in Tucson and a virtual office in Show Low.

How SBA loans work

2 locations

PhoenixArizona District OfficeAll of Arizona
TucsonArizona District Office, Tucson branchSouthern Arizona

State programs

What state loan programs does Arizona offer?

The Arizona Commerce Authority runs three federal State Small Business Credit Initiative programs. Only one is a loan program; the other two invest equity in early-stage companies and venture funds. No loans come directly from the Commerce Authority.

These are state programs. Sagamore doesn't run them or decide who qualifies.

Arizona Loan Guarantee ProgramArizona Commerce Authority (SSBCI)Guarantees up to 50 percent of principal on loans made through three partner CDFIs: Clearinghouse, Lendistry and Prestamos.

Industries

Which Arizona industries do we work with?

Arizona has 706,640 small businesses, 99.5% of all businesses in the state, according to the SBA Office of Advocacy's 2025 profile. We work with established businesses in every industry; these are the ones that stand out in Arizona.

Eligibility

What do you need to qualify for a business loan in Arizona?

The same as in every other state. Sagamore is a broker, not a lender: one application is matched with lenders across all 50 states, and every program starts from the same minimums. We work with established businesses only, so startups are not eligible.

Credit score: 600+
Time in business: 1+ year
Annual revenue: $400K+

Start Application Ask a Question

Frequently Asked Questions

Common questions about business loans in Arizona

Yes, as a guarantee rather than a direct loan. The Arizona Loan Guarantee Program covers up to 50 percent of principal on loans made through three CDFIs: Clearinghouse, Lendistry and Prestamos. The Arizona Commerce Authority does not lend directly.

The same as in every state, because SBA eligibility rules are federal: an Arizona 7(a) or 504 loan follows the same rules as anywhere else. The lenders Sagamore works with also look for at least 1 year in business, a 600+ credit score and $400K+ in annual revenue.

Yes. The SBA Arizona District Office has a Tucson branch on West Congress Street. The main office is in Phoenix, and there is a virtual office in Show Low.

Sources

Where do these facts come from?

Each fact on this page was checked against the agency or legislature that publishes it. Programs and offices change, so confirm the details with the source before you rely on them.