Small Business Administration Loan Program

Entrepreneurs and small businesses keep money local.

OneAZ is proud to partner with the U.S. Small Business Administration (SBA) to provide loans to businesses that maintain and strengthen our economy.

Loans can be used to enhance, grow and support your business.

  • Purchase real estate and improvements
  • Acquire equipment and fixtures
  • Purchase inventory
  • Acquire an existing business
  • Provide working capital (revolving line of credit)
  • Refinance existing debt

Meet the Business Banking Team

You may qualify for a loan from OneAZ.

As a small business, you might qualify for a loan from OneAZ Credit Union that’s backed by the Small Business Administration.

SBA loans are specifically designed to help small business owners and entrepreneurs who might have a hard time finding affordable financing.

To find out how to get a small business loan, contact a Business Banker or stop by one of our 20 branch locations.

Visit a OneAZ branch

SBA Loan Eligibility Requirements

SBA loans are ideal for business that meet the following eligibility requirements:

  • Officially registered and legally operated for-profit business
  • Physically located and operates in the U.S. or its territories
  • The business owner has invested their own time or money into the business
  • The business cannot obtain funds from any other financial lender

Standard 7(a) Loans

  • Maximum loan amount of $5,000,000
  • Fixed or variable interest rates
  • Maximum guarantee of 85% for loans up to $150,000 and 75% for loans greater than $150,000

Loans greater than $350,000 must be collateralized to the maximum extent, which may include equity in personal residence or assets.

Approval turnaround time of 5-10 business days based upon receipt of a complete loan package, underwriting and submission to the SBA.

504 Loans

  • Long-term, fixed rate financing up to $5,000,000
  • For a range of fixed assets that promote business growth and job creation
  • Used for construction of buildings, land, new facilities and long-term machinery or equipment
  • Both 10- and 20-year maturity terms available

Approval turnaround time of 5-10 business days based upon receipt of a complete loan package, underwriting and submission to the SBA.

Insured by NCUA

For membership eligibility, visit OneAZcu.com/Membership.

*See Terms and Conditions for additional details.