The right equipment.
Tools that help you serve your customers.
Microloans / Built around your potential
A little capital.
A big next step.
For the equipment you need. The inventory you’re ready for. The business you believe in.
Let’s talk about your businessRoom to begin$500 to $7,500
For your business needs
Time to build6 to 24 months
Repayment terms
Accessible capital1% fixed
Published interest rate
Discuss current terms and eligibility with our team on your initial call.
From investment to action
Make your
next move
tangible.
Start with what your business needs. Connect it to what you want to build.
Talk through your investmentYOUR NEXT CHAPTERIDEA PLAN ACTION
Ready for demand.
Inventory and supplies for your next stage.
A clear plan.
An investment with a goal and a repayment plan.
Every business looks different. Let’s talk about yours.
From “what if” to what’s next
Your next move.
Four steps forward.
A lower credit barrier. A team that listens. A process built around small business.
Take the first stepYour ambition comes first
Start with a conversation.
Tell us what you’re building and what’s next. We’ll get to know your business, your goals, and how a microloan could help.
Book your first callMake the next step tangible
Put your plan on paper.
Equipment. Inventory. Your next revenue-generating investment. Bring a clear plan for the funds, along with the documents that tell your business’s story.
See the document checklistPeople before paperwork
A person. Not just a score.
Our holistic review considers your capacity, capital, collateral, conditions, and character. We look at the whole picture behind your business.
Small beginnings. Real possibility
Build your next chapter.
Once approved, receive your funding and begin repayment on the agreed plan. Put that investment to work for your business.
Local people. Real possibility.
You bring the vision.
We’ll help with
the next move.
Supporting entrepreneurs in the Phoenix area.
A head start on your application
A little preparation.
A clearer path.
You don’t need to figure it all out alone. Start gathering these documents, and we’ll walk through what’s needed on your call.
Your financial picture
- Personal tax returns · past 2 years
- Personal bank statements · past 12 months
- Business bank statements · past 12 months
- Most recent utility bill
Your business & plan
- EIN and Tax ID
- Budget for a revenue-generating investment
- Business vision / plan
- Personal resume
Your supporting details
- Professional references
- Collateral or co-signer
A little clarity
Good questions.
Straight answers.
Get to know our microloans before you take your next step.
Ask us a question01What is a microloan?
A microloan is a small loan aimed at supporting the growth of small businesses.
02Who can apply for a microloan?
Small business entrepreneurs in the Phoenix area seeking financial support for their businesses are encouraged to apply.
03How can I apply for a microloan?
You can schedule a Loan Interest Meeting through the AMI website to meet with experts who will guide you through the application process.
04Why choose AMI?
AMI offers lower credit score requirements compared to traditional banks and specializes in supporting small businesses, making us well-equipped to meet your needs.
05What loan terms does AMI offer?
We offer loans up to $7,500 with terms of 6 to 24 months and a fixed interest rate of 1%.
06How can I use the loan funds?
Loan funds should be invested in revenue-generating assets, such as equipment, and can also be invested in inventory.
07What is the loan process?
The process begins with an initial consultation call to understand your business and loan purpose. After approval, funds are disbursed, and repayment follows the agreed plan. Once fully repaid, your business can continue to grow.
08What documents are required?
Use the document checklist above to prepare your financial records, business plan, and supporting information. Your AMI team will confirm the records needed for your application during your initial call.
09Can I apply for more than one loan?
Yes, after fully repaying your first loan, you may apply for additional funding.
10What does a “holistic review” mean?
AMI assesses loan applicants using the five C’s: Capacity, Capital, Collateral, Conditions, and Character. Each factor is considered to ensure a fair evaluation.
Your ambition belongs here
Ready when
you are.
Book a loan interest meeting SCHEDULE A TIME
Let’s talk about your business’s next chapter.
If no available times work for you, please contact info@azmicrocredit.org so we can coordinate a time!
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