• Business Accounts
• CB Cash Management
• Commercial Lending
• Commercial Real Estate
• SBA Lending
• Express Lending
• Equipment Leasing
• Other Services
• Fee Schedule
• Account Analysis

SBA Lending

Community Bank of Arizona is authorized to participate in the following three SBA programs:

• SBA 7(a) Loan Program
• SBA 504 Loans
• SBA Express

SBA 7(a) Loan Program

The 7(a) Loan Program offers lower down-payment requirements and a longer loan term.

Use of Loan Proceeds:

• Purchase an existing business
• Expand an existing business
• Equipment and machinery purchase
• Inventory Purchase
• Tenant improvements
• Working capital
• Start a franchise or new business

Equity Requirements:

• 30% minimum for most start-up businesses
• 20% minimum for existing businesses, including franchises
• 10% for most professional businesses such as medical, dental and veterinary practices
• Up to 100% financing available depending on the type of loan request, type of business, the length of time in business and equity investment in business

Loan Amounts:

• Up to $2,000,000

Loan Repayment Terms:

• Up to 10 years for purchase of fixed assets
• Up to 7 years for working capital

SBA 504 Loan Program

The 504 Loan Program offers lower down-payment requirements with fixed interest rate options.

Use of Loan Proceeds:

• Purchase of owner-occupied commercial real estate*
• Construction of owner-occupied commercial real estate*
• Equipment and machinery purchase with a useful life of ten years or more

*Owner occupancy required

Equity Requirements:

• 10% minimum for existing business
• Up to 20% for start up businesses and/or special use properties

Loan Amounts

• Up to $5,000,000 of the total project

Loan Repayment Terms:

• Up to 10 years for purchase of fixed assets
• Up to 25 years for purchase or construction of commercial real estate

SBA Express

SBA Express offers a simplified loan process for businesses that have been in operation for at least 12 months under the same ownership and possessing a filed tax return.

Use of Loan Proceeds:

• Working capital
• Equipment purchase
• Inventory purchase

Loan Amounts:

• Up to $350,000

Loan Repayment Terms:

• Up to 10 years for purchase of fixed assets
• Up to 7 years for working capital

100% Practice Financing

We can offer our own 100% financing to medical, verterinary and dental practices for the following purposes:

• Purchase of real estate - up to 100%
• Refinancing balloon debt, equipment financing, purchase of existing practice, buyout of business partners or for working capital

For more information about our SBA program please contact us at (602) 212-3800.

Downloadable Forms

• Business Loan Application (pdf - 51 KB)
• Business Debt Schedule (pdf - 24 KB)
• Business Profile (pdf - 48 KB)
• Management Resume (pdf - 53 KB)
• Personal Debt Schedule (pdf - 11 KB)
• Personal Financial Statement (pdf - 25 KB)
• SBA Loan Proposal Checklist (pdf - 31 KB)

back to top

Internet
      Banking
CB Cash
      Management
Access ID:

Lost or stolen credit/debit card? Click here for helpful information.