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 80% of the property’s value (90% with SBA)
- Up to 25 year amortization
- Rates fixed for up to 10 years
Construction Loans
- Available for residential or commercial projects
- Competitive rates
- Low closing costs
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 10 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 following loan options:
- SBA Basic 7(a) Loan Program is a loan guarantee program covering loan requests up to $2.0 million for a variety of business needs. Loan proceeds can be used for most sound business purposes, including working capital, machinery and equipment, furniture and fixtures, land and building (including purchase, renovation and new construction), leasehold improvements, and debt refinancing (under special conditions). Loan maturity is up to 10 years for working capital and generally up to 25 years for fixed assets.
- SBA Express Program is a loan guarantee program for requests up to $350,000, allowing revolving loans 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 a for-profit organization (other programs are available for non-profits)
- 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 |
Visa Gold: 10.90% |
| Annual Fee |
$25.00 |
| Grace Period for Purchases |
25 Days |
| Cash Advance, Late Payment, and Over-the-Limit Fees |
1% cash advance fee. Late payment fee is $10 on any payment 10 or more days past due. No over-the-limit fees. |
| Method for Computing the Balance for Purchases |
Average Daily Balance (including current transactions) |
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