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Use size to your advantage. Small businesses can enjoy exclusive terms.

Key Features

  • Competitive Rates
  • Lower Down Payments
  • Local Processing
  • Available for start-up businesses, as well as purchasing and refinancing existing businesses
  • Government-assisted help for businesses that might otherwise have difficulty getting approved
  • Special financing for qualifying businesses
  • Competitive rates for a wide range of business needs:
    • Commercial real estate purchase
    • Construction
    • Business acquisition or expansion
    • Equipment/inventory purchase
    • Working capital
    • And more
  • A wide range of lending options available
  • Generally lower down payments and extended terms
  • Additional considerations taken when deciding maturity1
  • Local decision-making and processing in Phoenix
  • Professional service from start to finish

Statistics Show that 90% of All Businesses are Eligible for SBA Financing

A business needs access to available capital to grow and be competitive. When your business needs financing for new equipment, working capital or to purchase a commercial building, work with a local, Arizona business bank that can turn around an SBA loan to meet your schedule — Republic Bank of Arizona.

1Loan maturities are based on the ability to repay, the purpose of the loan proceeds, and the useful life of the assets financed.

The U.S. Small Business Administration 7(a) Loan is the most popular SBA program. Funding can be made available up to a maximum of $5 million. Generally, SBA loans have more favorable terms, longer payment schedules and lower down payment requirements than conventional business loans. 

Specific Uses of Funds

Terms up to 10 years for working capital and 25 years for fixed assets and real estate.

  • Expansion or renovation of an existing building1
  • Construction of a new facility1
  • Purchase land, buildings, equipment, inventory and fixtures
  • Leasehold improvements
  • Working capital for a growing business
  • Eliminate high-interest payments by refinancing qualified business debt

We can offer you a no-cost, no-obligation SBA loan evaluation. To get started, please contact Chief Credit Officer Amy Lou Blunt at 602.280.9402 or [email protected]

1Owner occupied only.

SBA 504 loans are designed to provide long-term, below market, fixed rate financing for major fixed assets, like machinery and equipment, and purchase of commercial real estate. 

Enhanced Cash Flow & Lower Down Payment

With financing available for up to 90% of the project cost, SBA 504 loans offer an affordable down payment, enabling the borrower to conserve working capital and retain liquidity to meet operating needs.

Predictable Monthly Payments

SBA 504 financing allows small business owners to fix their business occupancy costs with an attractive, 20-year, fixed interest rate to retain liquidity and meet operating needs.

Tailored to Meet Small Business Owner Needs

An entrepreneur can purchase and hold title to a building personally, in the name of the business or even set up a holding company for the real estate. In most cases, providing you the flexibility to maximize tax benefits of ownership and minimize liability in the manner best suited for the entrepreneur and the company.

We can offer you a no-cost, no-obligation SBA loan evaluation. To get started, please contact Chief Credit Officer Amy Lou Blunt at 602.280.9402 or [email protected]

All loans subject to credit approval.

Made in Arizona

Call us biased, but we believe locally-owned businesses work better. Because when you live next door to your customers, you try harder.

Meet Our Team