How many small businesses are in Arizona?

Arizona has approximately 686,000 small businesses, representing 99.5 percent of all businesses in the state. They employ 1.2 million workers. Source: SBA Office of Advocacy, 2024 Small Business Profile.

How active is SBA 7(a) lending in Arizona?

Arizona received 2,104 SBA 7(a) loan approvals in FY2024, totaling $988 million. The average loan size was approximately $470,000. Source: SBA FOIA loan dataset, FY2024 aggregate.

Does Arizona have a commercial financing disclosure law?

No. Arizona has not enacted a statewide commercial financing disclosure law as of 2026. Commercial lending is governed primarily by federal law and lender agreements.

What financing products work best for Arizona small businesses?

Construction and real estate businesses commonly use equipment financing and SBA 7(a). Professional services firms use working capital lines. Healthcare practices access SBA 7(a) for expansion and equipment financing for technology. The right product depends on your revenue, time in business, and use of funds.

Is ClearValue Lending available in Arizona?

Yes. ClearValue Lending routes Arizona SMB applicants to lender partners operating across Phoenix, Tucson, Scottsdale, Mesa, and statewide. We are a funding platform, not a lender or broker.

What are typical eligibility minimums for Arizona SMB financing?

SBA 7(a) typically requires 2+ years in business, 650+ FICO, and $150,000+ annual revenue. Revenue-based financing may be available with 500+ FICO, 6+ months in business, and $10,000+ monthly revenue. All financing is subject to lender underwriting on the full file.

Small Business Loans in Arizona

Arizona has 686,000 small businesses employing 1.2 million workers across one of the fastest-growing states in the country. In FY2024, Arizona small businesses received 2,104 SBA 7(a) loans totaling $988 million, with an average loan size of approximately $470,000. Phoenix has become one of the Sun Belt's most active SMB formation markets, driven by population migration from California and sustained commercial development.