Do you have an office in Arizona?

No. We fund Arizona businesses entirely remotely, so whether you are in Phoenix, Tucson, or Flagstaff, there is no branch to visit. The whole process happens online and by phone.

My Arizona business is slow in the summer. Is that a problem?

Not at all. Summer slowdowns are normal for much of Arizona's hospitality and tourism economy, and we are used to them. We evaluate your full revenue picture, including your strong winter season, not just the current month.

How fast can an Arizona business get funded?

Many applications are reviewed the same business day, with same-day or next-day funding available after approval. For contractors, that can mean the difference between taking a job and watching it go to a competitor.

Can I get funded with less than perfect credit?

Yes. Revenue and cash flow carry more weight in our review than credit history. Arizona owners with past credit dings routinely qualify based on strong monthly deposits. The baseline is straightforward: at least one year in business and $50,000+ in monthly revenue.

State Funding

Merchant Cash Advance in Arizona

We fund businesses across Arizona remotely, with no branch visit and no in-person meeting required. From Phoenix contractors riding the growth boom to Scottsdale tourism and Tucson restaurants, Arizona owners get working capital based on revenue, with advances up to $2.5 million. Apply online for same-day or next-day funding.

Free funding check

See What You Qualify For

Takes under 2 minutes. No hard credit pull, no upfront fees, no obligation.

The Arizona business landscape

Arizona's small business economy is in one of the fastest growth phases in the country, and the Phoenix metro is the engine. Maricopa County has led the nation in population growth for years, and that influx feeds construction, home services, retail, and restaurants across the Valley. The semiconductor buildout, with Intel's expansion and TSMC's new fabs in the north Valley, has pulled in a wave of suppliers, contractors, and specialized trades. A small business in the Phoenix area today is usually either serving the growth directly or serving the people the growth brought.

Tourism is the second pillar, and it runs on a different calendar than most states. Arizona's peak visitor season is winter, when snowbirds and golfers fill Scottsdale, the Grand Canyon gateway towns, and the resorts of the Phoenix and Tucson areas. Spring training alone injects a massive short season of spending into the East Valley. Summer, by contrast, is the slow season for much of the state's hospitality industry, with triple digit heat thinning crowds everywhere except the high country around Flagstaff and Sedona. Restaurants, tour operators, and hotels in the desert live on winter revenue and plan their year around it.

Tucson anchors southern Arizona with a mix of university driven demand, defense and aerospace employers like Raytheon, and a growing food and tourism scene. Flagstaff and northern Arizona run on tourism (the Grand Canyon, ski season at Arizona Snowbowl) and Northern Arizona University. Yuma is the nation's winter produce capital, with agriculture and the associated trucking, packing, and equipment businesses running hard from fall through spring. Lake Havasu and the Colorado River towns add a summer water recreation economy that peaks when the desert metros are at their quietest.

The common thread for Arizona small businesses is managing growth and seasonality at the same time. Contractors and home service companies face labor shortages and material lead times while demand keeps climbing. Restaurants and retailers ride the winter wave and conserve through summer. We fund based on revenue, which fits businesses whose best months and leanest months look nothing alike, and everything is done remotely so a busy owner never has to leave the job site.

Industries we fund in Arizona

We work with businesses across dozens of industries. These are the sectors we fund most often in Arizona, each with its own cash flow rhythm and capital needs.

Contractors & Home Services

HVAC, roofing, plumbing, and remodeling companies across the Phoenix and Tucson metros. Funding covers crew expansion, equipment, and material buys while the growth wave continues.

Restaurants & Hospitality

Scottsdale, Phoenix, and Tucson eateries and resorts live on the winter visitor season. Off season capital keeps staff and kitchens ready for the return of the snowbirds.

Tourism & Outdoor Recreation

Grand Canyon tour operators, Sedona outfitters, and Colorado River marinas. Advances fund boats, vehicles, guides, and marketing ahead of peak season.

Trucking & Logistics

Produce haulers out of Yuma, construction material carriers, and last mile fleets in the Phoenix metro. Funding keeps trucks fueled, tired, and repaired.

Retail & E-commerce

Valley retailers and online sellers stocking up for the holiday and winter visitor rush. Capital for inventory buys that pay off in the fourth quarter.

Areas served

We fund businesses in Arizona entirely remotely, so there is no office to visit wherever you are located. These are some of the neighborhoods and districts we serve:

Phoenix Tucson Mesa Scottsdale Chandler Flagstaff Sedona Yuma

Common funding uses in Arizona

Staff up for winter visitor season: hire servers, housekeepers, and guides in the fall so the business is ready when snowbirds arrive.

Take on more contracting jobs: add a crew, buy a work truck or trailer, and float material costs while the Phoenix building boom runs hot.

Bridge the summer slowdown for a desert restaurant or hotel: cover fixed costs through the heat and be ready to reopen strong in October.

Buy inventory ahead of the holidays: stock the fourth quarter rush when suppliers demand payment months before the sales land.

Arizona funding FAQ

This is not a loan. All funding is subject to approval and underwriting.

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