Business Loans in Arizona
Greenbox Capital is known across the U.S. and Canada for our quick turnaround times and flexible repayment terms. On this page, explore our Arizona alternative financing options — and how to secure between $3,000 to $500,000 in as little as 24 hours.
Small Business Funding in Arizona Made Easy
Entrepreneurs often struggle to secure business loans in Arizona — especially those with bad credit, or insufficient collateral. Those who do meet the strict requirements, meanwhile, must deal with time-consuming and complex application processes.
At Greenbox Capital, we simplify every step of getting a loan — from application to approval. Our funding options, including merchant cash advances, credit lines, and more, come with favorable terms, relaxed eligibility criteria, and quick turnaround times. In fact, many of our loans are approved within one business day.
Greenbox Capital’s Quick Business Funding Options
Arizona consistently ranks as a top state to do business. It’s home to over 600,000 small-scale operations, spread across sectors like construction, food, and retail. As you’d imagine, each of these businesses has varying funding requirements and goals.
Our alternative loans ensure there’s a solution for every need. Some private businesses can secure loans as low as $3,000 to cover payroll shortfalls, others fund extensive expansion plans with amounts as high as $500,000.
Find the right option for your business from this list:
Small Business Loans
In a state where small enterprises make up 99.5% of businesses — having access to short-term, small-amount loans is crucial. Unfortunately, traditional lenders tend to reject such applications, because of strict eligibility requirements, or high risk factors.
This is where our AZ small business loans come in. These funding options are accessible to businesses across the state, including those that operate within certain high-risk sectors, or suffer from bad credit.
Funds can be used for a wide range of activities. Small business financing can help execute expansion plans, manage seasonal shortfalls, or enforce tax saving measures.
Greenbox Capital also offers equipment financing — a loan specifically designed to help small businesses acquire essential machinery.
Merchant Cash Advances
A merchant cash advance allows businesses to receive an immediate cash infusion in exchange for a percentage of future credit card sales. This type of loan is known for its quick turnaround times, low eligibility, and repayment flexibility.
Businesses that often benefit from a merchant cash advance in Arizona include restaurants, dental practices, attorney firms, and pharmacies. If you’re unsure about how an MCA will impact your cash flow, our funding advisors are here to help.
Business Lines of Credit
Compared to conventional loans, a business line of credit offers more flexibility. It allows businesses to only withdraw only the capital they need, when they need it.
As long as your business performs the same or better than when the loan was approved, you can withdraw from the pre-approved credit line as many times as you like.
This credit line works like a credit card, minus the high interest rates. In fact, as with many alternative financing options, you won’t be charged interest at all. Instead, repayment is based on a “factor rate” set during your initial risk assessment. This is usually between 1.1 and 1.5.
A revolving credit can be used for any purpose, but the most common include stocking up on inventory, upgrading machinery, or filling cash flow gaps.
Bad Credit Business Loans
Bad credit has always been a major obstacle to securing loans. But Greenbox Capital’s low credit funding options offer Arizona businesses a convenient solution. In this case, loan approvals are not based solely on credit history, but the overall financial health of a business. This could include metrics like revenue, cash flow, payment history, and more.
Our revenue-based financing options are also easier to secure than commercial loans. We set few restrictions on the types of business or industries that qualify. Funds can also be used for multiple purposes — from hiring new staff to improving credit history.
Are You Eligible For Small Business Loans in Arizona?
From Phoenix to Tucson, businesses across Arizona benefit from Greenbox Capital’s services. In fact, our relaxed eligibility criteria ensures even certain high-risk industries have access to a range of financing options. Does your business qualify?
- Accounting Firms
- Attorneys
- Auto Dealers
- Auto Repair Shops
- Beauty Salons
- Cleaning Businesses
- Construction Companies
- Convenience Stores
- Daycares
- Dental Practices
- Dry Cleaners
- Gas Stations
- Home Healthcare Agencies
- Manufacturers
- Medical Practitioners
- Pharmacies
- Pool Construction Companies
- Restaurants
- Retail Stores
- Security Services
- Staffing Services
- Veterinarians
What Types of Businesses We Support
As an alternative financing provider, Greenbox Capital is committed to eliminating the systemic barriers that come in the way of accessing loans. Traditional lenders tend to view certain businesses with suspicion, but at Greenbox Capital, we’re proud to support:
- Women-Led Businesses: Arizona is known for having a large number of women-run small businesses — 30% of which have a revenue upwards of $1 million. Greenbox Capital’s small business loans for women in Arizona actively contribute to this encouraging statistic.
- Veteran-Owned Businesses: Veterans may have access to a growing number of specialized funding programs. But these loans are both hard to find and even harder to access. Greenbox Capital’s quick and convenient options are a more promising alternative for the 2.4 million veteran-run businesses in the U.S.
- Minority-Run Businesses: Over a quarter of all small businesses in Arizona are run by minorities who, studies find, are more likely to be denied credit, charged extra, or pay high interest rates. Greenbox Capital helps these groups grow their business with simpler applications, faster turnarounds and favorable terms.
Minimum Requirements for Business Funding in Arizona
While Greenbox Capital’s funds are known for being easy to access, we do have some basic requirements. Entrepreneurs who apply for a business loan in Arizona must have the following:
| Minimum Revenue | $10,000/month |
| Length in Business | 5 months or more |
| Ownership % | Minimum of 51% Ownership |
| Personal Credit | US FICO 500+ |
Exact qualifications may depend on the type of loan or loan amount — but in all cases, having a clear understanding of how much you need, how you will use it, and how you plan to repay it significantly increases the likelihood of approval.
How to Get a Business Loan in Arizona
Only a few steps stand between you and Greenbox Capital’s range of low-cost Arizona business loans. Here’s a breakdown.
- 1
Submit
Send in an application to us by clicking the Apply Now link on this page. Be sure to include the legal name and other details of your business, and attach 3 months bank statements along with any other relevant documents.
- 2
Select
A Greenbox Capital funding advisor will present various funding choices to you and help finalize your submission. This call is usually made within one hour of us receiving the application.
- 3
Receive
Soon after you finalize the appropriate funding option, the process is set in motion. In many cases, funds are deposited within 24 hours.
- 4
Repay
Once the amount is securely in your account, set up a repayment plan that takes your cash flow considerations into account.
Advantages of Business Funding with Greenbox Capital
For decades, traditional lenders have been the go-to option for securing funding, despite high rejection and interest rates. In this climate, our alternative funding options aren’t a last resort, but boast of several crucial benefits:
- Easy Eligibility: We understand that credit scores aren’t the only criteria to measure a business’s health. Our comprehensive approach to assessing eligibility, allows business-owners from all backgrounds to succeed.
- Quick Turnarounds: Businesses often require a quick injection of working capital for emergencies, or smooth out cash flow issues. In this case, our easy online submission, quick approvals and disbursement offer a crucial lifeline.
- Diverse Options: Businesses can choose from a long list of low-cost funding options — from MCAs that are ideal for smaller amounts to dedicated financing for equipment and heavy machinery purchases. This variety ensures you’ll always find an option suited for your specific needs.
- Smarter Decisions: Every loan application is assisted by a Greenbox Capital funding advisor. This professional looks at ways to bring down your costs, and finds the right options based on your company’s financials and your needs.
How We Help Arizona Businesses Succeed
Beneficiaries of Greenbox Capital’s Arizona business loans span various industries and cater to a wide range of requirements. Here’s a look at some of our valued clients.
| Company & Location | Loan Type | Amount Funded | Loan Duration | Loan Benefits |
|---|---|---|---|---|
| Attorney Firm, Phoenix | Business Line of Credit | $35,000 | 12 Months | Renovated office, as part of client acquisition measures. |
| Dental Office, Chandler | Merchant Cash Advance | $18,000 | 9 months | Renovated patient rooms and upgraded equipment. |
| Medical Practice, Scottsdale | Equipment Financing | $70,000 | 15 Months | Upgraded diagnostic capabilities to offer advanced treatments. |
| Restaurant, Mesa | Merchant cash advance | $10,000 | 8 months | Invested in a new menu and partially remodeled kitchen. |
| Accounting Firm, Tucson | Business Line of Credit | $35,000 | 4 months | Hired skilled consultants to thrive during tax season. |
Frequently Asked Questions about Business Financing in Arizona
What do you need to get a business loan in Arizona?
Requirements vary based on the type of loan and amount, but in most cases, your business has to have been in operation for at least five months and have a revenue of $10,000 per month. You must also own at least 51% of the company.
What is the easiest loan to get for a small business in Tucson, AZ?
Small businesses in Tucson have great success with alternative funding options such as merchant cash advances or credit lines. These loans cover a range of pressing needs, are approved in days, and come with half the headache of a traditional loan.
How much loan can I get for a small business in Phoenix, AZ?
Between our diverse range of Phoenix business loans, you can get funds as low as $3,000 or as high as $500,000 sent to your account within a business day.
Can I get a bad credit business loan in Chandler, AZ?
Yes, businesses in Chandler are eligible for our low-credit small business funding options, provided they meet the minimum revenue requirements. Contact us to learn more about your specific case.
Which small business loan is best for women in Arizona?
SBA loans are often recommended to women entrepreneurs. However, the application process can be time-consuming, with wait times ranging from 30 to 90 days. Greenbox Capital’s Arizona small business loans are usually approved in as little as 24 hours.
Where to Get Business Funding in Arizona
- Phoenix
- Tucson
- Mesa
- Chandler
- Gilbert
- Glendale
- Scottsdale
- Peoria
- Tempe
- Surprise
- Goodyear
- Buckeye
- San Tan Valley
- Yuma
- Avondale
- Queen Creek
- Flagstaff
- Maricopa
- Casas Adobes
- Casa Grande
- Marana
- Lake Havasu City
- Prescott Valley
- Catalina Foothills
- Oro Valley
- Prescott
- Sierra Vista
- Bullhead City
- Apache Junction
- San Luis
- Sun City
- Sahuarita
- Kingman
- El Mirage
- Drexel Heights
- Fortuna Foothills
- Sun City West
- Fountain Hills
- Florence
- Anthem
- Rio Rico
- Green Valley
- Coolidge
- Nogales
- Eloy
- New River
- Flowing Wells
- Payson
- Fort Mohave
- Vail
- Douglas
- Somerton
- Tanque Verde
- Valencia West
- Sierra Vista Southeast
- Sun Lakes
- Chino Valley
- Gold Canyon
- New Kingman-Butler
- Cottonwood
- Tucson Mountains
- Tucson Estates
- Camp Verde
- Paradise Valley
- Saddlebrooke
- Show Low
- Verde Village
- Safford
- Sedona
- Corona Tucson
- Picture Rocks
- Winslow
- Tuba City
- Wickenburg
- Arizona City
- Golden Valley
- Page
- Globe
- Tolleson
- Litchfield Park
