Arizona Financial Credit Union
Arizona Financial Credit Union is an active SBA lender in Arizona, a credit union offering SBA-guaranteed small-business loans. Currently rated 4.4 stars across 293 Google reviews.
About Arizona Financial Credit Union
Arizona Financial Credit Union offers comprehensive SBA loan services tailored to small businesses seeking financial support for growth, equipment, or operational needs. With a focus on personalized service, they assist clients through the SBA 7(a) program, providing flexible financing options. Their team is dedicated to helping entrepreneurs secure funding with competitive terms and guidance throughout the application process. Located in Phoenix, AZ, they serve local businesses while also supporting a broader regional community. The credit union specializes in loans for various industries, including retail, healthcare, and manufacturing, ensuring tailored solutions for diverse business needs. They are committed to fostering economic development and helping small businesses thrive with reliable access to capital. Their experienced staff work closely with clients to understand their unique situations and craft suitable loan packages, emphasizing transparency and support at every step. Whether starting a new venture or expanding an existing business, Arizona Financial Credit Union aims to be a trusted partner in your financial journey.
Serves SBA borrowers in 3 states
Arizona Financial Credit Union has funded SBA loans for businesses in these states, by borrower location. Tap a state to see every lender serving it.
Industries Arizona Financial Credit Union finances
Business types Arizona Financial Credit Union actively lends to, from its SBA loan history. Tap one to see every lender serving it.
Common questions about Arizona Financial Credit Union
What is this place and what can I find here?
This is a financial institution offering SBA loan programs and personalized support for small businesses seeking funding for growth or operational needs.
Do I need an appointment or can I walk in?
It is recommended to schedule an appointment to ensure dedicated service, but walk-ins may be accepted depending on availability.
What are the hours of operation?
Typically, they operate Monday through Friday from 9 am to 5 pm, but it's best to confirm directly with the branch.
Is there a fee to use this?
There are no fees for accessing basic consultation, but loan origination and closing fees may apply depending on the loan terms.
Who is this open to — anyone, or only residents/members?
This institution primarily serves members of the credit union, but they may offer services to non-members through certain programs.
What minimum personal credit score does this lender look for in a guarantor?
A minimum personal credit score of around 650 is generally preferred, though higher scores improve approval chances.
How long does the traditional underwriting process take from start to close?
The underwriting process typically takes 2 to 4 weeks, depending on the complexity of the loan and completeness of documentation.
Is this open on weekends?
Most credit unions keep weekday business hours and are closed on weekends, and Arizona Financial Credit Union typically follows the same pattern. SBA lending staff are generally reachable Monday through Friday. A few locations offer Saturday or by-appointment hours, so call Arizona Financial Credit Union to confirm current weekend availability before you go.
How do I get there and where do I park?
Arizona Financial Credit Union is located in Arizona — see the contact card for the full address. Most credit union locations offer free on-site or nearby street parking for visitors. For exact directions, the entrance, and accessible parking, use the listed address or call ahead and staff can point you to visitor spaces.
Who owns or operates this listing?
This page is an independent directory listing for Arizona Financial Credit Union, an SBA-participating credit union. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Arizona Financial Credit Union itself, which runs its own lending under its own ownership. If you work at Arizona Financial Credit Union, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for Arizona Financial Credit Union — name, location, contact, and lender type — are compiled from public records and reviewed periodically. Rates, programs, credit policies, and hours change often and are not guaranteed here, so always confirm the latest terms directly with Arizona Financial Credit Union before applying. If you represent Arizona Financial Credit Union, claim this listing to keep its information up to date.
How do I contact this listing directly?
You can reach Arizona Financial Credit Union by phone at (602) 683-1000 or online at arizonafinancial.org — the details are in the contact card on this page. For SBA loans specifically, ask for their business lending or SBA department. Treat this directory page as a starting point and confirm hours and contact details with Arizona Financial Credit Union before relying on them.
What core industries does this lender traditionally choose to finance?
Based on its approved SBA loans, Arizona Financial Credit Union most often finances businesses in construction & contractors, medical practices & clinics, manufacturing, general retail, restaurants & food service, and hotels & lodging. This reflects Arizona Financial Credit Union's real SBA 7(a) and 504 lending history rather than a stated policy — it can still consider other industries and sets its own current preferences, so confirm with Arizona Financial Credit Union which sectors it actively lends to before you apply.
Can I apply for an SBA Express line of credit at this lender?
SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether Arizona Financial Credit Union participates in SBA Express depends on its specific SBA lending authority. Contact Arizona Financial Credit Union and ask if it offers SBA Express and what the current limits and terms look like for your situation.
Does this lender have Preferred Lender Provider status with the government?
Arizona Financial Credit Union holds SBA Preferred Lending Partner (PLP) status at the highest level, providing streamlined processes and quicker loan decisions. Please confirm current PLP status with the lender.
Are start-up companies eligible for financing at this lender?
Yes, Arizona Financial Credit Union offers SBA 7(a) loans designed for borrowers looking to start small businesses, along with options for acquisition or expansion. Confirm current startup eligibility requirements with the lender.
What are the typical down payment expectations for commercial real estate acquisitions?
For SBA 7(a) and 504 commercial real estate loans, borrowers typically contribute around 10% to 20% as a down payment or equity injection, depending on the property and the deal. Exact requirements vary with your credit, the business, and the lender's policy. Ask Arizona Financial Credit Union what down payment it expects for your specific commercial real estate purchase.
Does this lender impose prepayment penalties on short-term working capital facilities?
SBA 7(a) loans with terms under 15 years generally carry no prepayment penalty, while longer real estate loans can have one in the early years. Short-term working capital lines often have no penalty, but terms vary by lender. Review your loan agreement and ask Arizona Financial Credit Union to spell out any prepayment penalties before you sign.
Can I use loan proceeds from this lender to buy out an existing equity partner?
SBA loans can be used for a partner or owner buyout, including buying out an existing equity partner, when the deal is structured to meet SBA rules — for example, the remaining owner generally must stay actively involved. Approval depends on the specifics, so discuss your buyout plan with Arizona Financial Credit Union to confirm it qualifies and how to document it.
Will historical personal bankruptcies automatically disqualify my loan application here?
A past personal bankruptcy does not automatically disqualify you from an SBA loan. Lenders look at how long ago it was discharged, the circumstances, and how your credit has recovered since. Arizona Financial Credit Union weighs this case by case under its own policy, so be upfront about your history and ask Arizona Financial Credit Union how it evaluates prior bankruptcies.
