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Grow Your Business With an SBA Loan

Small Business Loans in Arizona

Running a small business takes vision, grit and the right financial partner. Mountain America Credit Union offers flexible small business loans in Arizona to support your growth, stability and long-term success—whether you’re expanding in the Greater Phoenix Area, investing in Maricopa County property or managing cash flow statewide. You’ll receive local insight and a relationship-first approach from the nation’s #1 SBA lending credit union.*
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Find the right loan for you

Businesses come in all shapes and sizes. At Mountain America, you have multiple SBA loan options, including SBA 7(a), SBA 504, SBA Express loans and lines of credit. It’s all about matching your goals with the right SBA financing in Arizona.

SBA 7(a) loans

SBA 504 loans

SBA Express loans

SBA 7(a) loans

What is it?
The SBA 7(a) loan program is the most common and flexible SBA financing option. It supports a wide range of business purposes, including working capital, real estate and equipment.

Best for: Flexible funding and everyday business needs

Benefits
  • Borrow up to $5 million
  • Backed by the Small Business Administration
  • Terms up to 10 years for working capital
  • Terms up to 10 years or the remaining useful life—whichever comes first—for equipment
  • Terms up to 25 years for real estate
SBA 7(a) loans are a strong option for small business owners across Arizona looking for adaptable financing with longer repayment terms.
Meet with a loan officer
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SBA 504 loans

What is it?
SBA 504 loans are made to support major fixed-asset purchases that help businesses expand and create jobs, such as commercial real estate or large equipment.

Best for: Long-term funding for bigger endeavors

Benefits
  • Flexibility to finance projects up to $20 million
  • Repay over 10, 20 or 25 years
  • Lock in an affordable fixed rate
  • Backed by the Small Business Administration
This option is ideal for Maricopa County businesses making significant investments in owner-occupied real estate or high-value equipment.
Meet with a loan officer
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SBA Express loans

What is it?
SBA Express revolving lines of credit offer a faster approval process for smaller funding needs, helping businesses respond quickly to opportunities or short-term challenges.

Best for: Fast funding for ongoing revolving business needs

Benefits
  • Credit limits up to $500,000
  • Repay over 5-7 years
  • Expedited approval process
For small businesses in Arizona that need speed, SBA Express lines provide a streamlined path to capital.
Meet with a loan officer
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Why get an SBA loan from Mountain America?


Choosing the right lender matters just as much as choosing the right Arizona small business loan. Mountain America combines national SBA experience with local understanding.

Benefits include:

  • Strong local knowledge of the Greater Phoenix area and Arizona in general
  • Competitive rates
  • Friendly guidance
  • Quick turnarounds and closings
  • Startup-friendly lending approach
  • Various financing options to meet different business goals
Our experienced team works closely with you to align financing with your business strategy, not just your balance sheet.

Member stories

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Arizona Driveshaft

From rock crawlers to desert and Baja race vehicles, Arizona Driveshaft does it all! This business member can modify or repair racers of all kinds. Watch this video to see why they are the best in the business!

Sir Walter Candy Co.

The story of Sir Walter Candy Co. is about more than just confections—it's about mentorship, family and entrepreneurial spirit passed down through generations.
See their story

La Morena

When La Morena picks up a brush, she’s doing more than creating art—she’s sparking conversations and building community.
See La Morena's story
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Arizona Driveshaft

Kyle Fletcher bought the company where he had worked for over 10 years. This is why he loves what he does.
See Kyle's story

Frequently asked questions

What types of small business loans are available in Arizona?

Mountain America Credit Union offers SBA-backed small business loans in Arizona, including SBA 7(a), SBA 504, SBA Express loans and lines of credit. Each loan type is designed to support different business needs, such as working capital, equipment purchases and owner-occupied real estate.

What is the difference between SBA 7(a), SBA 504 and SBA Express loans?

SBA 7(a) loans are flexible and commonly used for working capital, equipment or real estate. SBA 504 loans are typically used for long-term financing of major fixed assets like commercial property. Finally, SBA Express loans offer a faster approval process for smaller and revolving funding needs.

Who is eligible for an SBA loan in Arizona?

Eligibility for an SBA loan depends on factors such as business size, use of funds, credit history and the ability to repay the loan. Mountain America works with startups and established small businesses to determine which SBA loan options might be a good fit.

Do I need to be a Mountain America member to apply for a small business loan?

Yes, membership is typically required to access loans and other financial products, as Mountain America is a member-owned institution. If you are not currently a member, you can review eligibility requirements and how to join on our membership page.

How do I apply for an SBA loan with Mountain America Credit Union?

To apply for an SBA loan with Mountain America, talk with with one of our business loan officers. They will walk you through the process, review your goals and help you understand which financing options align with your business needs.

Apply for your Arizona SBA loan today

When you’re ready to explore SBA loans in Maricopa County or the Greater Phoenix area, Mountain America makes it easy to take the next step. Connect with a business loan officer who understands your market, industry and goals.

Meet with a Loan Officer

More resources

Secured lines of credit

Access flexible funding tied to business assets when cash flow needs fluctuate.
Learn more

Equipment

Finance new or upgraded equipment to support productivity and growth.
Get details

Owner-occupied real estate

Purchase or refinance property where your business operates.
See how

Acquisition

Secure financing to acquire another business or expand your footprint.
Discover more

* Callahan & Associates

Service center

1-800-748-4302

Routing number

3240 7955 5

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© 2026 All rights reserved. Mountain America Credit Union, P.O. Box 2331, Sandy, UT 84091, 1-800-748-4302. Unauthorized account access or use is not permitted and may constitute a crime punishable by law. Mountain America Federal Credit Union does business as Mountain America Credit Union. Membership required—based on eligibility. Loans on approved credit. ‡Annual Percentage Yield (APY). Annual Percentage Rate (APR).
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