SBA Lenders | CDC | Arizona Capital Source
Lenders
Arizona Capital Source – Your SBA Partner
SBA 504
Loan Rates
10 year – 5.61%
20 year – 5.78%
25 year – 5.72%
As the only Arizona based CDC, we are committed to making SBA 504 lending easier for banks and lenders. When you partner with us, you minimize your risk so you can expand your lending capabilities as we cover up to 40% of the total project costs. As your bank takes on just 50%, you can confidently offer more financing options to your clients.
In addition to the 504 program, we can assist your customers with the 7a Community Advantage loan. This loan, capped at $350,000, can finance businesses that don’t normally qualify for conventional financing.
Loan options
At Arizona Capital Source (ACS), we offer customized SBA 504 and SBA 7a loan solutions designed to meet the unique needs of your clients. Our flexible loan options allow banks and businesses to choose the option that suits their needs the best.
Download 504 Quick Reference Guide
Get a clear breakdown of the SBA 504 loan structure and see how partnering with ACS can benefit your bank.
Download 7(a) Quick Reference Guide
Explore the advantages of SBA 7(a) loans and discover how ACS helps banks offer flexible financing to support business growth.
Why Partner with ACS?
The SBA 504 lending process can be complicated for lenders and borrowers. Having financed more than $1 billion in projects since 1979, we manage and simplify the SBA process.
- Shared Risk Model: We cover up to *40% of the loan, while you hold 50%. *Max financing can decrease if business is new or property is special purpose.
- Expand Lending Opportunities: Conserve your resources while offering more financing to qualified borrowers
- Efficient Process: The SBA 504 process is streamlined, ensuring quick approvals and smooth closings.
- Local Expertise: As a community-focused lender, we understand the Arizona market and provide tailored solutions for local businesses.
- SBA Accredited Lender Status: As an accredited SBA lender, we have the authority to make credit decisions on behalf of the SBA, which helps speed up the approval process.
Our Mission
Empowering Banks, Supporting Communities
To bridge the gap between banks and small businesses by providing expert SBA 504 lending solutions. We build strategic partnerships with local banking partners to reduce risk, expand lending opportunities to promote local economic growth.
Our Vision
Driving Economic Growth Through Strong Partnerships
Our vision is to foster a vibrant business landscape where banks and small businesses work together to enhance local economies and promote sustainable growth.
Our Values
- No Surprises: We maintain transparency in every transaction. Our “NO SURPRISES” approach ensures clear communication and predictable outcomes for all our partners – lenders and borrowers, alike.
- More Solutions: We strive to find the best solution for the borrower. If a project doesn’t appear to qualify for SBA financing, we may be able to find alternate solutions.
- Economic Development: We are committed to fostering economic development and supporting local businesses, with a special focus on empowering underserved communities, including women, minorities, and veterans.
Lenders’ Loan Process: We Simplify Your Lending Journey
Why Banks Choose To Partner With Arizona Capital Source
- The Only Locally Headquartered CDC in AZ; all employees are AZ residents
- All Community Reinvestment is Arizona based.
- Clear Schedule Means no Surprises
- Solid, Quick Credit Response
- Team Approach Means Immediate Staff Availability
- More Solutions For Your Clients Financing Needs
- PCLP and 504 Express Options
Why Banks Choose To Partner With Arizona Capital Source
- The Only Locally Headquartered CDC in AZ; All Employees Are AZ Residents
- All of ACS Reinvestment Goes Back Into the Arizona Economy
- Clear Schedule Means No Surprises
- PCLP and 504 Express Options
- Team Approach Means Immediate Staff Availability
- More Solutions for Your Clients' Financing Needs
- Supports CRA & Regulatory Credit
- Solid, Quick Credit Response
- ACS Expertise Reduces Bank Workload
Success Stories & Updates
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.
Arizona Capital was helpful, there for all our needs and questions throughout the process. Ashley was great! Thank you!
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.
Success Stories & Updates
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
Let’s Build Stronger Communities Together
Partner with us to discover new lending opportunities that strengthen our community. Reach out to us today to find out how we can help you achieve your SBA 504 lending objectives.
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