SBA Loans in Phoenix, AZ
Unlock the power of the SBA to fuel your business growth, with flexible terms and low rates
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Great Rates, Less Requirements & Smaller Down Payments
SBA loans in Phoenix, AZ from StartCap give you the financial flexibility to grow your business. Our tailored solutions and expert assistance make funding stress-free. Build your dreams with a reliable partner today.
Rates as Low as 6%
Yes, you read that correctly—access SBA loans with competitive rates that help your business thrive.
Terms up to 25 Years
Enjoy long repayment terms, giving you the flexibility to manage your cash flow over time.
Flexible Uses
Use your SBA loan for working capital, equipment, real estate, or other business expenses.
We're More Than Phoenix SBA Loans
StartCap offers businesses in Maricopa County tailored financial solutions to support their growth and success. Whether you need resources to scale, manage cash flow, or explore new opportunities, we are here to help you thrive.
From idea to orbit, we've got you covered.
No matter where you're at in your journey, we have options to help you get to the next level.
Idea-Stage
Got a brilliant idea and ready to launch? We’ll help you get registered with your state and secure the funding you need to take off.
Early-Stage
Lifting off can be tough, but it doesn’t have to be. We’re here to give your new venture the boost it needs to soar.
Well-Established
Keep operations running seamlessly with the right funding for vendors, inventory, payroll—whatever your business needs to stay on course.
+ 3-Months of Free Digital Marketing
For a limited time, our expert in-house marketing team is offering 3 months of premium marketing services—valued at $20,000—to help drive leads and sales for your start-up, whether you're in Phoenix or nationwide.
Here's a truck load of stuff to get kicked off
Find SBA Loans Near Phoenix, AZ
For entrepreneurs in Phoenix and beyond, the path to success is made easier with flexible financing solutions. Tailored resources are available to meet your specific needs and drive growth. From Guadalupe to Avondale and beyond, we're your credit line specialists.
SBA Loan FAQ's
Phoenix, AZ springs to life with innovative business ecosystems where local founders seek strategic financial support through Small Business Administration (SBA) loans. The desert metropolis offers multiple lending opportunities for new business owners exploring capital acquisition strategies across Maricopa County's dynamic commercial terrain.
Here are a few local suggestions:- Wells Fargo at Central Avenue & Thomas Road
- Arizona State Credit Union at 7th Street & Indian School Road
- Bank of America at Camelback Road & 24th Street
- First Arizona Credit Union at McDowell Road & 44th Street
- US Bank at Scottsdale Road & Camelback Road
- Chase Bank at 3rd Street & Baseline Road
Local lenders recognize SBA loan varieties including 7(a), 504, and microloans which support equipment purchases, real estate acquisitions, working capital, and startup infrastructure development. StartCap provides additional consultation for founders seeking comprehensive funding solutions tailored to Arizona's unique business growth requirements.
Note: StartCap is not associated with the above lenders in any way. Contact your local branch for the most accurate information & requirements.Interest rates for SBA loans in Phoenix, can vary widely based on the lender, loan type, and your personal credit profile. Traditional banks typically offer rates between 6% to 12% for well-qualified borrowers, though approval can be strict. SBA loans in Phoenix, which are popular for new businesses, generally have rates ranging from 6% to 13%, depending on the loan program. Alternative and online lenders may have higher rates, often between 6% to 30%, as they take on more risk, offer more flexible requirements, and time to funding is much faster.
Yes, your business needs to be registered with the state to qualify for SBA funding. However, to receive funding from StartCap, your business doesn't need to be registered with the state. We can help you explore alternative funding options that rely more on personal credit, income, or assets if you're not registered. Or, we can help you to get registered.
Phoenix's small business landscape offers diverse SBA loan opportunities for various industries. Local enterprises in construction, service trades like HVAC, plumbing, and electrical services frequently qualify for financing. Companies operating in Maricopa County with strong business plans can access these critical funding resources.
Retail shops, professional service providers, and technology startups in AZ often meet SBA loan requirements. Family-owned businesses, restaurant establishments, and medical practices near downtown Phoenix commonly secure supportive financing through carefully structured loan programs designed to stimulate economic growth.
