SBA 7(a) loans in Arizona
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data [source] · File as of September 30, 2026 · Loans approved in federal fiscal years 2024–2026 (Oct 2023 – Sept 2026) · Imported November 4, 2026
3,612loans approved
$257,750median loan
$90K–$640Kmiddle half of loans
$2.1Btotal approved
10%median initial rate
10 yrsmedian term
The median Arizona loan is 47% larger than the national median of $175,000.
Loan sizes
Top industries
| Industry (NAICS) | Loans | Median |
|---|---|---|
| Full-Service Restaurants (722511) | 142 | $343,800 |
| Limited-Service Restaurants (722513) | 110 | $416,100 |
| Plumbing, Heating, and Air-Conditioning Contractors (238220) | 94 | $251,750 |
| Fitness and Recreational Sports Centers (713940) | 83 | $370,000 |
| Snack and Nonalcoholic Beverage Bars (722515) | 73 | $425,600 |
| All Other Specialty Trade Contractors (238990) | 73 | $250,000 |
| Beauty Salons (812112) | 68 | $150,000 |
| Offices of Physicians (except Mental Health Specialists) (621111) | 67 | $302,700 |
| Offices of Dentists (621210) | 65 | $763,500 |
| General Automotive Repair (811111) | 63 | $292,000 |
Most active lenders in Arizona
| Lender | Loans | Median | Total |
|---|---|---|---|
| Zions Bancorporation, National Association | 288 | $100,000 | $97.9M |
| U.S. Bank, National Association | 228 | $49,500 | $72.4M |
| Newtek Bank, National Association | 212 | $159,000 | $62.8M |
| The Huntington National Bank | 201 | $260,000 | $68.1M |
| Wells Fargo Bank National Association | 197 | $35,000 | $91.2M |
| JPMorgan Chase Bank, National Association | 176 | $211,550 | $55.5M |
| Live Oak Banking Company | 148 | $570,000 | $187.9M |
| Readycap Lending, LLC | 143 | $105,500 | $47.3M |
| Northeast Bank | 141 | $147,000 | $21.2M |
| Bayfirst National Bank | 108 | $150,000 | $15.4M |
SBA 504 loans in Arizona
504 loans finance real estate and major equipment through a Certified Development Company (CDC). Approved FY2024–FY2026, file as of September 30, 2026 [source].
580504 loans approved
$769,500median CDC portion
$668.1Mtotal CDC portion
What these 504 amounts cover: only the SBA-backed CDC portion of each project (typically up to 40%). A bank first loan and the borrower's down payment make up the rest, so total project costs are larger.
Most active CDCs in Arizona
| Lender | Loans | Median | Total |
|---|---|---|---|
| The Mortgage Capital Development Corporation | 367 | $894,000 | $459.3M |
| Arizona Capital Source | 86 | $467,000 | $78.9M |
| California Statewide Certified Development Corporation | 67 | $614,000 | $69.1M |
| CDC Small Business Finance Corp. | 42 | $758,500 | $44.7M |
Starting a business in Arizona? See Arizona licensing requirements.
What this data does — and doesn't — tell you
- Approvals, not applications. These are loans SBA approved. The data has no denials, so it cannot tell you your odds of approval.
- Loan size is not startup cost. 7(a) loans also pay for buying existing businesses, real estate, equipment, refinancing and working capital.
- Gross approval amount. Figures are the full approved loan, including the part SBA does not guarantee. Some approved loans are later reduced or never fully disbursed.
- Industry codes are assigned at approval (NAICS) and can be imprecise — a mobile detailer may be coded as a car wash, for example.
- Medians beat averages here: a few very large loans pull averages up. We show the median and the middle half (25th–75th percentile).
- No default rates. Most recent loans are still being repaid, so charge-off rates for these years would be misleading. We don't show them.
- Cancelled loans are excluded, and any group with fewer than 10 loans is hidden. We never publish borrower names.
- Lender counts aren't a quality rating. Big national lenders make many small loans; local lenders may know your market better. Talk to several, or use SBA Lender Match.