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About Arizona Capital Source

We are a private, non-profit corporation dedicated to economic development by providing affordable financing for Arizona businesses. We are one of Arizona’s most experienced SBA lenders, and we have tools and resources that simplify the SBA 504 loan process. We have financed more than $1 billion in projects from our offices in Tucson and Phoenix since 1979. When you work with us, you have all of our resources and expertise at your disposal. Our team of dedicated professionals embraces Arizona Capital Source’s core value of “NO SURPRISES”. We are your SBA 504 and 7(a) Partners!

Arizona Capital Source provides our lending partners with a dedicated team of professionals that will complete the first transaction and be there for the next transaction. We are responsive and accessible and we believe in building long-term, mutually beneficial relationships with our lending partners. We have the expertise and experience to simplify business finance for you and your clients. We have two offices in Arizona to make it as convenient as possible to connect with our team.

From everyone here at AZ Capital Source,

Welcome!

Meet the AZ Capital Source Team

Gary Molenda

President

Gabriel Gomez

EVP, Operations

Brent Smith

VP, Credit Manager

Jennifer Wichman

VP, Closing Manager

Ashley Mapes

VP, Relationship Manager

Lori Simmons

VP, Relationship Manager

Ross Kohl

VP, Relationship Manager

Anthony Martinez

VP, Relationship Manager

Client Testimonials

The staff at Arizona Capital were not just knowledgeable but friendly as well. Even months after the loan has closed, they are still quick to answer any questions. I have recommended them to other businesses I talk to.
Paul Canikin, owner of Canikin Distribution
Arizona Capital was helpful, there for all our needs and questions throughout the process. Ashley was great! Thank you!
Don Mohr, Owner of Mohr H20
We’ve used Arizona Capital Source more than once and couldn’t be happier with the results. The team was always available and were great partners in the process. Using the 504 significantly reduced the cash requirement that we were able to redirect to the business and on both projects the bank was able to provide better terms than we were offered without the 504. It’s a great program and ACS got it done efficiently and effectively. We look forward to working with them in the future.
David Crum, Scottsdale Aiden
504 Refinance with Major Improvements
Our traditional lender pulled out right before our building loan we set to close. Arizona Capital Source came in and saved us. We weren’t technically a fit for an SBA loan, but they came up with creative solutions and were able to make it happen. They kept us in the loop the whole time and it worked out perfectly. We’re now saving hundreds a month on interest.
Melanie Morgan, co-owner of Gearshifters
AZ Capital Source has been a strong partner in not only helping businesses in S. AZ grow, but offering attractive and well structured loans to the bank. We appreciate their knowledge of the SBA 504 and 7a, and their responsiveness. Their services have helped the bank earn satisfied and repeat customers.
Sean Murray, SVP, Commercial Lender at Commerce Bank of AZ
We had challenges when we applied for our first loan but they were willing to take the risk and work with us. The staff and board were responsive and made the process easy.
International School of Tucson
We cannot thank Lori and everyone at Arizona Capital Source enough for helping us take the next step in the growth of our business. Investing in our first commercial building is something we know will catapult our community-driven mission to the next level. The knowledge, collaboration and thoroughness Lori provided were instrumental in making this a reality. We wouldn’t have closed if it wasn’t for Lori looking after us and setting us up with a Plan B lender. After nine months of being in escrow, it would have been devastating if things hadn’t worked out. Lori is a Godsend! Now, we can’t wait for the Scented Leaf on Tanque Verde to become a favorite drink house and gathering space for Tucson’s East Side.
Adrienne and Shane Barela, The Scented Leaf
Being a start-up business, we knew that one of the first things we would need is an SBA loan. Once we secured our loan with Arizona Capital Source, we were able to finalize other details and open for business shortly afterwards.
Emily & Lindsey, Owners of GenuWine
SBA 7a Start-Up Loan
Arizona Capital Source supported my growth plan of opening a 3rd location by providing me the necessary startup capital to take my business to the next level. We saw a 35% increase in total sales from the first year of business and continue to see month over month increases. This increase not only allows a steady cash flow during the non-peak months, but I have been able to hire and retain a staff of 8 year round team members. WIN, WIN for everyone!
Kim Gilbert, Owner of The Honey Baked Ham Company
SBA 7(a) Loan Finances Franchise Restaurant Expansion
Leave us a Review
The staff at Arizona Capital were not just knowledgeable but friendly as well. Even months after the loan has closed, they are still quick to answer any questions. I have recommended them to other businesses I talk to.
Paul Canikin, owner of Canikin Distribution
Arizona Capital was helpful, there for all our needs and questions throughout the process. Ashley was great! Thank you!
Don Mohr, Owner of Mohr H20
We’ve used Arizona Capital Source more than once and couldn’t be happier with the results. The team was always available and were great partners in the process. Using the 504 significantly reduced the cash requirement that we were able to redirect to the business and on both projects the bank was able to provide better terms than we were offered without the 504. It’s a great program and ACS got it done efficiently and effectively. We look forward to working with them in the future.
David Crum, Scottsdale Aiden
504 Refinance with Major Improvements
Our traditional lender pulled out right before our building loan we set to close. Arizona Capital Source came in and saved us. We weren’t technically a fit for an SBA loan, but they came up with creative solutions and were able to make it happen. They kept us in the loop the whole time and it worked out perfectly. We’re now saving hundreds a month on interest.
Melanie Morgan, co-owner of Gearshifters
AZ Capital Source has been a strong partner in not only helping businesses in S. AZ grow, but offering attractive and well structured loans to the bank. We appreciate their knowledge of the SBA 504 and 7a, and their responsiveness. Their services have helped the bank earn satisfied and repeat customers.
Sean Murray, SVP, Commercial Lender at Commerce Bank of AZ
We had challenges when we applied for our first loan but they were willing to take the risk and work with us. The staff and board were responsive and made the process easy.
International School of Tucson
We cannot thank Lori and everyone at Arizona Capital Source enough for helping us take the next step in the growth of our business. Investing in our first commercial building is something we know will catapult our community-driven mission to the next level. The knowledge, collaboration and thoroughness Lori provided were instrumental in making this a reality. We wouldn’t have closed if it wasn’t for Lori looking after us and setting us up with a Plan B lender. After nine months of being in escrow, it would have been devastating if things hadn’t worked out. Lori is a Godsend! Now, we can’t wait for the Scented Leaf on Tanque Verde to become a favorite drink house and gathering space for Tucson’s East Side.
Adrienne and Shane Barela, The Scented Leaf
Being a start-up business, we knew that one of the first things we would need is an SBA loan. Once we secured our loan with Arizona Capital Source, we were able to finalize other details and open for business shortly afterwards.
Emily & Lindsey, Owners of GenuWine
SBA 7a Start-Up Loan
Arizona Capital Source supported my growth plan of opening a 3rd location by providing me the necessary startup capital to take my business to the next level. We saw a 35% increase in total sales from the first year of business and continue to see month over month increases. This increase not only allows a steady cash flow during the non-peak months, but I have been able to hire and retain a staff of 8 year round team members. WIN, WIN for everyone!
Kim Gilbert, Owner of The Honey Baked Ham Company
SBA 7(a) Loan Finances Franchise Restaurant Expansion

Contact a Loan Officer Today.

Contact

Your Success Is Our Success. Secure Your Legacy Today.

Phoenix, Arizona

7228 N. Dreamy Draw Dr, 85020

phone - 602.381.6292

Tucson, Arizona

5049 E Broadway Blvd. Ste 156, 85711

phone - 520.623.3377

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Gabriel Gomez

Gabriel Gomez joined Arizona Capital Source, at the time known as Business Development Finance Corporation (BDFC),  in 2007.  He started as a Loan Officer/Underwriter and after 5 years was promoted to Business Development Officer for the Tucson and SE Arizona market.  In 2023, he became Executive Vice President, Operations overseeing the Underwriting, Closing, and Servicing Department as well as managing the entire ACS portfolio. 

Gabe graduated from the Eller College of Business at the University of Arizona.  He remains a loyal Wildcat fan. 

Gabe is married and has a daughter.  He enjoys golf, watching sports, traveling, barbecuing with friends, going to U of A sporting events, and supporting many of the locally owned restaurants and breweries throughout Tucson.  

Office: 520-600-3744
Cell: 520-307-7232
[email protected]

Brent Smith

Brent Smith is the Credit Manager for Arizona Capital Source.  He manages the underwriting and loan packaging team.

Brent grew up in Northern Virginia and moved to Arizona in 2000 to attend Northern Arizona University.  He lived in Flagstaff for 8 years.  He has a Master’s degree in finance/management and a Bachelor’s degree in graphic design both from NAU.

Brent began his small business lending career with National Bank of Arizona in 2008. He joined Arizona Capital Source in 2017.  Brent enjoys helping small businesses obtain financing that they may not be able to receive from conventional financing.

Brent is married and has three children. He enjoys playing golf, hiking, fishing, and watching NFL and NHL games.

Jennifer Wichman

Jennifer Wichman (Rogers) joined Arizona Capital Source in 2017 as a BDO/Closing Officer. In 2020 she was promoted to Closing Manager and currently oversees the closing and funding department.

Jennifer was born and raised on a ranch in Central Montana.  In 2010, she graduated from Dickinson State University in North Dakota with a Bachelor’s in Business and a Minor in Management.  Immediately following graduation, Jennifer began her career in finance.

The focus of Jennifer’s career has been in mission-based lending with over 13 years in the finance industry, 11 of those directly with CDCs/CDFIs.  She has experience in all aspects of the lending process, from origination to servicing.

Jennifer is married and has a daughter.  She enjoys spending time with her family and her small dog Charly, road trips to Montana, camping, singing and riding horses.

Ashley Mapes

Ashley Mapes earned a Bachelor’s degree with a dual major in Business Management and Marketing from Northwood University in Midland, MI. She has over 15 years of commercial lending, and financial services experience that includes over 11 years with ACS. She is an expert not only in SBA loan origination, but the entire SBA 504 and 7(a) process through final funding.  Ashley works to help small business owners navigate the SBA application and approval process and is committed to helping businesses secure the financing they need to grow and thrive.

Ashley is empathic to Arizona’s small business owners, as she has personally owned a small business. She has gone through the process to obtain an SBA 7(a) loan to purchase a 25-year-old local Arizona Business. After implementing many efficacies and hiring new staff, she sold her business to one of her manufacturers.

Ashley joined ACS in 2013 as an SBA 504 Closing Specialist before transitioning to Business Development Officer who specializes in both SBA 504 and 7(a) lending.

Office: 602-381-6292 Ext 224
Cell: 602-550-8735
[email protected]

Lori Simmons

Lori Simmons brings Arizona Capital Source over thirty years of commercial underwriting, lending and relationship management experience. She managed commercial banking relationships for two large banks, a community bank, and a Tucson non-profit organization. Lori received her degree in Finance from Northern Arizona University, and spent much of her professional career in Northern Arizona, and has strong community connections from across the entire state of Arizona. Lori prides herself on being able to demystify the lending process for small business owners. She enjoys educating clients and helping them achieve their business growth goals.

Lori’s passion has always been serving on non-profit boards, primarily those that serve youth in our communities. She has been a public school board member, Booster Club and PTO President, and Economic Development Council Treasurer while in the Verde Valley. Since relocating to Tucson, Lori was a Member of the Southern AZ Chapter of the National Football Foundation and 100+ Women Who Care Tucso. She is a volunteer for Project Mom at U of A, a Community Foodbank volunteer, and a member of CREW and CCIM.

Lori is married and has three grown sons she is very proud of. She enjoys bass fishing at Roosevelt Lake, trout fishing from her kayak in the White Mountains, riding in her side by side in Happy Jack, and anything where she can spend time with her husband and sons outdoors.

Office: 520-277-2272
Cell: 520-279-7308
[email protected]

Ross Kohl

Ross Kohl brings 30 years of SBA and commercial lending experience to Arizona Capital Source.  He has spent a total of over 13 years at ACS in business development and underwriting roles.

Ross has worked in SBA lending at several banks in positions ranging from credit analysis, underwriting, business development and management.  He has dedicated the vast majority of his career to helping small businesses obtain financing to assist them in their growth and success.

Ross has also volunteered through the years with several charities and non-profits including Junior Achievement, Hunger Task Force, Fiesta Bowl, and was a board member and treasurer for Paradise Valley North Little League.

Ross earned a B.B.A. Degree from the University of Wisconsin and M.B.A. Degree from Western International University.

Ross is married and has 2 grown sons. He enjoys playing golf, team sports, going to the gym, and hanging out with his family and friends.

Anthony Martinez

With a career spanning 30 years, Anthony has held various roles including Branch Manager, Loan Officer, and Business Development Officer, providing him with a comprehensive understanding of the banking landscape.

Anthony holds a degree in business finance from the University of Arizona. He proudly calls Queen Creek, Arizona, home, where he resides with his wife and family. With three sons, one daughter, and three grandchildren, family is central to Anthony’s life.

Anthony enjoys exploring the natural beauty of Arizona through hiking and discovering new Jeep trails.

We are happy to help!

Let us know how we can help you with your business loan needs or if you just have a general inquiry.