Question 1

What types of business financing do you help arrange?

Accepted Answer

Access Capital Arizona works with SBA loans, business lines of credit, working capital and term loans, commercial real estate financing, construction-gap financing, acquisition and partner-buyout financing, mezzanine structures, corporate credit cards, and business-credit development. Every option is subject to lender eligibility, underwriting, and documentation.

Question 2

Does Access Capital Arizona lend money directly?

Accepted Answer

No. Access Capital Arizona is a commercial loan brokerage. We help you prepare, position, and present your request to funding sources, and we help you evaluate the structures offered. Lending decisions and final terms belong to the lender.

Question 3

What information will I need to apply?

Accepted Answer

The initial inquiry asks for contact details, business information, an approximate financial profile, and your funding objective. If the request moves forward, expect standard underwriting items such as tax returns, financial statements, a business debt schedule, and entity documentation. Sensitive documents are never collected through this public form.

Question 4

How long should my business have been operating?

Accepted Answer

We work primarily with businesses operating for at least two years that have an employee or active partner and revenue in the range of approximately $250,000 to $50 million. If your business is earlier in its life, a consultation can help clarify what readiness would require.

Question 5

Do you work with startups?

Accepted Answer

Our focus is established, operating businesses. Earlier-stage companies are best served through readiness planning, business-credit development, and a discussion of what documentation and history lenders typically expect before a funding request.

Question 6

Can you help if a traditional bank declined my application?

Accepted Answer

Often, yes — but a decline is information, not a verdict. We work to understand the reason behind it, whether that is incomplete records, credit history, collateral, liquidity, or an unclear growth plan, and then discuss whether a different structure or a readiness plan is the appropriate next step. Approval is never guaranteed.

Question 7

Do you help with SBA loans?

Accepted Answer

Yes. SBA 7(a) and 504 structures are a core part of our work, including working capital, equipment, acquisitions, and owner-occupied commercial real estate. Eligibility is determined by SBA standards and the participating lender.

Question 8

Can you assist with commercial real estate financing?

Accepted Answer

Yes. That includes owner-occupied and investment property acquisition, refinancing, construction-gap financing, conventional and private financing, and hard-money options where appropriate for the transaction.

Question 9

Can you help finance a business acquisition?

Accepted Answer

Yes. We support buyers and sellers through acquisitions, partner buyouts, and ownership transitions, including layered structures that combine senior debt with subordinated capital. A letter of intent or purchase agreement and documented target financials are typically required.

Question 10

What is the Plan Ahead Credit?

Accepted Answer

Begin with a complimentary one-hour funding consultation. Apply within three business days of that consultation and receive a $1,000 credit or 10 basis points off the broker fee, subject to eligibility, written offer terms, and applicable disclosures. Full details appear on the Terms and Disclosures page.

Question 11

Which states do you serve?

Accepted Answer

Arizona, California, Texas, Nevada, Colorado, and Utah. Access Capital Arizona operates from Phoenix, Arizona; no offices are maintained in other states.

Question 12

What happens after I submit my application?

Accepted Answer

Your inquiry is reviewed and you are contacted using your preferred method to confirm details and discuss objectives. If the request moves forward, you will receive a document list and a secure destination for sensitive items. Nothing is submitted to a funding source without your authorization.

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