Loan Resources

This regularly-updated guide gives an overview of funding resources available to small business owners in Arizona.

Arizona Microcredit Initiative Microloans


Arizona Microcredit Initiative (AMI) is a 501(c)(3) nonprofit that empowers underserved entrepreneurs to start or expand businesses through low-interest microloans that are tailored to fit your business needs.


  • Loan funds must be used to purchase revenue-generating assets

  • Fulfill collateral

  • Agree to AMI’s loan schedule

  • Person of good character

Application Process

  • Fill out a loan interest form with your basic contact information and business details

  • Meet with an AMI staff member to discuss your business and its needs

  • Fill out a loan application with your personal and business information

  • Include required documents in your application submission

Required Documents

  • Personal Federal Tax Return (2016 and 2017)

  • Last 6 months bank statements (personal and business accounts)

  • Active tradeline (utility bill or landlord reference)

  • Employer ID Number or Tax ID Number for business

  • Planned loan budget

  • Complete authorization to pull a credit report form from our partner Marisol (Phase II only)

Desert Financial Credit Union Small Business Emergency Loan


This loan program is designed to help cover operational expenses such as payroll, utilities, rent, and taxes for businesses negatively affected by the pandemic.


  • Business must be physically located within Desert Financial’s field of membership.

  • Business must be independently owned and operated.

  • Business must have been established for a minimum of 3 years.

  • A personal guarantee is required

Application Process

  • Fill out a loan information request with your basic contact information.

  • A representative will reach out to discuss your options.

  • Walkthrough the loan application process with the representative.

Required Documents

  • Information is not available to the public

Kiva Crowdfunding Loans


Kiva is an international nonprofit, founded in 2005 in San Francisco, with a mission to expand financial access to help underserved communities thrive by crowdfunding loans.


  • Business be based in the United States

  • Must be over 18 years old

  • Loan must be used for business purposes

  • Business must not be engaged in multi-level marketing/direct sales, illegal activities (e.g. gambling, scams), or pure financial investing (e.g. stocks)

  • Cannot currently be in foreclosure, bankruptcy, or under any liens

  • Must be willing to demonstrate your social capital by having a small number of friends and family make a loan

Application Process

  • Fill out a loan application

  • If your application is approved, prove your creditworthiness by inviting friends and family to donate to you

  • Go public on Kiva for 30 days, lenders crowdfund in increments of $25 or more

  • Borrower repays the loan based on the repayment schedule and the borrower’s ability

Required Documents

  • Business proof

  • Approximate credit score

  • Income

  • Major monthly payments

  • PayPal account

Growth Partners Arizona Small Business Success Loans