Arizona SBA lending, from federal loan records
SBA Lenders Actively Funding Businesses in Arizona
Since FY2020, 246 lenders have funded 7,999 SBA loans worth $5.6B for businesses in Arizona. Borrowers reported 95,882 jobs supported by those loans. Below is who actually writes them, how big they run, and which Arizona businesses get funded.
Most active SBA lenders in Arizona
Ranked by loans funded for Arizona projects since FY2020, not by advertising budget. A lender headquartered elsewhere that funds heavily in Arizona beats a local name that rarely writes SBA loans.
504 loans are written by Certified Development Companies alongside a bank first mortgage. The 504 file reports no interest rate, so CDC rows show none.
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Start your funding profile →How big Arizona SBA loans run
Share of Arizona 7(a) loans by approval size, next to the national split. If your ask sits in a common band, it is the kind of loan lenders here fund every week.
| 7(a) loan size | AZ | US |
|---|---|---|
| Under $150K | 29.4% | 40.4% |
| $150K to $500K | 34% | 31.9% |
| $500K to $1M | 17.1% | 12.9% |
| $1M and up | 19.5% | 14.9% |
Who gets funded in Arizona
Business age on Arizona 7(a) loans. 12.9% funded a change of ownership, against 11.1% nationally. Buying a business? See the acquisition lender shortlist. Starting one? See startup-friendly lenders.
| Business stage | AZ | US |
|---|---|---|
| Established, more than 2 years | 52.1% | 55.2% |
| New, 2 years or less | 18.5% | 16.9% |
| Startup, loan opens the business | 16.5% | 16.8% |
| Change of ownership (buying a business) | 12.9% | 11.1% |
Industries Arizona SBA lenders fund most
Share of all Arizona SBA loans by industry, and how that compares with the national mix.
| Industry | AZ loans | Share | Compared with US |
|---|---|---|---|
| Healthcare | 1,094 | 13.7% | 1.4x the national share |
| Construction | 1,028 | 12.9% | in line with national |
| Restaurants and hotels | 929 | 11.6% | in line with national |
| Personal and repair services | 842 | 10.5% | in line with national |
| Retail | 840 | 10.5% | in line with national |
| Professional services | 813 | 10.2% | in line with national |
| Manufacturing | 484 | 6.1% | in line with national |
| Business support services | 445 | 5.6% | in line with national |
The most common specific business types funded in Arizona: full-service restaurants (274), limited-service restaurants (242), plumbing, heating, and air-conditioning contractors (191), all other specialty trade contractors (180), fitness and recreational sports centers (179), general automotive repair (165).
Where in Arizona the loans go
| County | SBA loans since FY2020 | Share of state |
|---|---|---|
| Maricopa | 5,812 | 73% |
| Pima | 840 | 11% |
| Yavapai | 299 | 4% |
| Pinal | 238 | 3% |
| Mohave | 233 | 3% |
| Coconino | 172 | 2% |
| Yuma | 109 | 1% |
| Navajo | 93 | 1% |
7(a) or 504 in Arizona
15% of Arizona SBA loans are 504 loans, against 12% nationally. A 504 loan funds owner-occupied real estate or major equipment, with a median of $679K here. A 7(a) loan covers almost anything else, including working capital and buying a business. The busiest 504 lenders in Arizona:
- Mortgage Capital Development Corporation: 567 504 loans, median $825K
- Arizona Capital Source: 302 504 loans, median $491K
- CDC Small Business Finance Corp.: 265 504 loans, median $634K
- California Statewide Certified Development Corporation: 70 504 loans, median $598K
Arizona SBA lending by year
| Fiscal year | 7(a) loans | 504 loans | Dollars |
|---|---|---|---|
| FY2020 | 761 | 130 | $582M |
| FY2021 | 933 | 202 | $984M |
| FY2022 | 738 | 210 | $722M |
| FY2023 | 1,020 | 153 | $802M |
| FY2024 | 1,186 | 191 | $822M |
| FY2025 | 1,367 | 218 | $1.0B |
| FY2026 (through June 30, 2026) | 757 | 133 | $681M |
The SBA fiscal year runs October through September.
Common questions
Who is the most active SBA lender in Arizona?
By funded loans since FY2020, Mortgage Capital Development Corporation leads Arizona with 575 loans through the 504 program. The most active 7(a) lender is Wells Fargo Bank National Association, with 496.
How big is a typical SBA loan in Arizona?
The median 7(a) loan in Arizona is $320K, and the middle half runs from $100K to $775K. The median 504 loan is $679K. Nationally the 7(a) median is $200K.
What interest rate do Arizona SBA borrowers get?
The median starting rate on Arizona 7(a) loans since FY2020 is 9.12%, against 9.25% nationally. 84% of those loans carry a variable rate, which moves with the prime rate.
Can a startup get an SBA loan in Arizona?
Yes. 35% of Arizona 7(a) loans with a reported business age went to startups or businesses two years old or younger, against 34% nationally. Lenders still expect a solid plan, owner equity and usually collateral.
Sources and limits. Derived from U.S. Small Business Administration 7(a) and 504 FOIA loan-level records, FY2020 through June 30, 2026, for projects located in Arizona. Cancelled approvals are excluded. Jobs supported are as reported by borrowers. Figures describe past lending activity only and are not offers, quotes, or qualification decisions. Big Brain Funding is not a lender and is not affiliated with any lender listed.