
Arizona Central is a full-service commercial lender and is able to offer many lending options similar to larger banks. We differentiate ourselves through personalized service and by giving you and your business direct contact with the loan decision makers. We offer competitive rates and terms for all your business lending needs.
Commercial Real Estate
Financing available for purchases, improvements, and new construction.
- Loan amounts up to 70% of the property’s value (90% with SBA)
- Up to 25 year amortization
- Rates fixed for up to 5 years
Lines of Credit
A revolving line of credit that can be used for additional working capital, unexpected expenses, or extra buying power.
- Interest-only payments
- Renewable annually
- Competitive variable rates
Term Loans
Ideal for financing or refinancing capital expenditures, working capital, purchasing equipment, and more.
- Competitive fixed rates
- Terms up to 5 years
Congress created the Small Business Administration in 1953 to help America’s entrepreneurs form successful small businesses. The SBA enables its lending partners, like Arizona Central, to provide financing to small businesses at reasonable terms by guaranteeing a major portion of each loan.
Through our partnership with the SBA, Arizona Central offers the SBA Express Program, which is a loan guarantee program for requests up to $350,000 with terms up to seven years.
If you’re an established business, we can help you obtain the financing you need for:
- Working capital
- Inventory purchase
- Machinery and equipment
- Commercial real estate – purchase, improvements, or construction
You may qualify for an SBA Loan if your business:
- Is independently owned
- Does not exceed the following maximum size standards
- Manufacturing - varies by industry from 500 to 1,500 employees
- Wholesaler - up to 100 employees
- Service - varies by industry from $5.0 million to $25 million in revenue
You may qualify for an SBA Commercial Real Estate Loan if your business will occupy at least 51% of the building (for purchases) or at least 60% (for new construction).
A Visa Gold Business Credit Card is an ideal way to manage your business’ everyday purchases. It’s also a convenient credit source for those unexpected expenses every business owner is likely to encounter.
- Low, fixed rate of 10.90% APR
- 25-day interest-free grace period for purchases
- Low annual fee
- Cash advances at ATMs
- Exclusive Visa Gold Benefits:
- Warranty Services, which include warranty registration and extended warranty protection
- Travel and emergency assistance
- Auto Rental Collision Damage Wavier Program
| Annual Percentage Rate |
Gold: 10.90% |
| Annual Fee |
$25.00 |
| Grace Period for Purchases |
25 Days |
| Late Payment Fee |
$25.00 |
| Cash Advance fee |
1% cash advance fee |
| Over-the-Limit Fees |
None |
| Method for Computing the Balance for Purchases |
Average Daily Balance (including current transactions) |
*The information in this disclosure was accurate as of 04/10/2010, and after that date is subject to change. Rates are based on creditworthiness and underwriting policies.
For current information, call Arizona Central Credit Union at (602) 264-6421 or toll free 1-866-264-6421; or write to ACCU, P.O. Box 11650 Phoenix Arizona 85061. |
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