Business Loans in Arizona
Greenbox Capital is recognized across the U.S. and Canada for fast funding and flexible repayment terms. On this page, explore our Arizona alternative financing options and learn how to secure between $3,000 and $500,000 in as little as 24 hours.
Small Business Funding in Arizona Made Easy
At Greenbox Capital, we streamline the entire business loan process—from application to approval. Our funding options, including merchant cash advances, business lines of credit, and more, offer flexible terms, relaxed eligibility criteria, and fast approvals. In fact, many loans are approved within just one business day.
Greenbox Capital’s Quick Business Funding Options
Arizona consistently ranks as one of the top states for business, home to over 600,000 small enterprises across industries like construction, food service, and retail. Naturally, each business has unique funding needs and financial goals.
Our alternative financing solutions provide options for every business. Some companies secure as little as $3,000 to cover payroll shortfalls, while others obtain up to $500,000 to fund large-scale expansions.
Find the right option for your business from this list:
Small Business Loans
With small businesses making up 99.5% of all enterprises in Arizona, access to short-term funding and small-amount loans is essential. Unfortunately, traditional lenders often reject applications due to strict eligibility requirements and perceived risk factors.
This is where our AZ small business loans can help. These funding options are available to businesses statewide, including those in high-risk industries or those with bad credit.
Small business financingcan support expanding operations, managing seasonal slowdowns, or implementing tax-saving strategies. Greenbox Capital also offers equipment financing, helping small businesses acquire essential machinery.
Merchant Cash Advances
A merchant cash advance in Arizona provides businesses with fast access to capital in exchange for a percentage of future credit card sales. This financing option is popular for its quick turnaround, low eligibility requirements, and flexible repayment structure.
Businesses that frequently benefit from MCAs include restaurants, dental practices, attorney firms, and pharmacies. If you’re unsure how an MCA will affect your cash flow, our funding advisors are here to guide you.
Business Lines of Credit
A business line of credit offers more flexibility than traditional loans, allowing businesses to withdraw only the funds they need, when they need them.
As long as your business maintains its financial health, you can continue accessing funds from your pre-approved credit line. This option works similarly to a credit card but without the high interest rates. In fact, as with many alternative financing options, you won’t be charged interest. Instead, repayment is based on a factor rate determined during your risk assessment, typically ranging from 1.1 to 1.5.
A revolving credit line can be used for various business needs, including purchasing inventory, upgrading equipment, or bridging cash flow gaps.
Bad Credit Business Loans
A poor credit score is often a major hurdle when securing loans. However, bad credit business loans from Greenbox Capital provide Arizona businesses with an accessible alternative. Unlike traditional lenders, we evaluate overall financial health rather than relying solely on credit history. Key factors such as revenue, cash flow, and payment history play a significant role in approval.
Our revenue-based financing options are also easier to obtain compared to traditional commercial loans. We have minimal restrictions on industry eligibility, allowing businesses across various sectors to qualify. Funds can be used for multiple purposes, including hiring staff, expanding operations, or even rebuilding credit.
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 dedicated to removing the systemic barriers that make securing loans difficult. While traditional lenders often hesitate to approve funding for certain businesses, we proudly support:
- Women-Led Businesses – Arizona is home to a thriving community of women entrepreneurs, with 30% generating over $1 million in revenue. Our small business loans for women in Arizona help fuel this success by providing fast, flexible funding.
- Veteran-Owned Businesses: While veterans may qualify for specialized funding programs, these options can be difficult 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., ensuring that veteran entrepreneurs have the financial support they need.
- More than a quarter of small businesses in Arizona are minority-owned, yet studies show they face higher rejection rates, steeper loan terms, or pay high interest rates. Greenbox Capital makes financing more accessible with simplified applications, quick approvals, and fair terms to help minority entrepreneurs grow and thrive.
Minimum Requirements for Business Funding in Arizona
Greenbox Capital offers fast and accessible funding, but there are a few basic requirements applicants must meet. Entrepreneurs who apply for a business loanin 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 vary based on the loan type and amount. However, in all cases, clearly understanding how much funding you need, how you’ll use it, and your repayment plan can significantly improve your chances of approval.
How to Get a Business Loan in Arizona
Securing low-cost Arizona business loans with Greenbox Capital is a simple process. Here’s how it works:
- 1
Submit
Click ``Apply Now`` on this page and complete your application. Be sure to include your business’s legal name, relevant details, and attach at least three months of bank statements.
- 2
Select
A Greenbox Capital funding advisor will review your application and present suitable funding options. This typically happens within an hour of submission.
- 3
Receive
Once you finalize the best financing option, funds are often deposited in your account within 24 hours.
- 4
Repay
Once the amount is securely in your account, set up a repayment plan that ensures manageable and stress-free repayments.
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 often have the most success with alternative funding options, such as merchant cash advances or business lines of credit. These loans provide fast funding with minimal paperwork, covering urgent business needs without the complexities of traditional loans.
How much loan can I get for a small business in Phoenix, AZ?
Through our Phoenix business loans, you can secure funding amounts ranging from $3,000 to $500,000, with funds typically deposited within 24 hours.
Can I get a bad credit business loan in Chandler, AZ?
Yes, businesses in Chandler can qualify for bad credit small business funding, as long as they meet the minimum revenue requirements. Contact us to discuss your specific situation.
Which small business loan is best for women in Arizona?
While SBA loans are a common choice for women entrepreneurs, they often require 30–90 days for approval. Greenbox Capital’s Arizona small business loans provide a faster alternative, with funding available 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
