Funding by State › Arizona › Phoenix
By Anthony Collin, CEO, Smart Business Funding. $500M+ funded since 2014. Updated October 2026.
Smart Business Funding provides merchant cash advances of $10,000 to $5,000,000 to Phoenix businesses. Repayment is a fixed daily or weekly payment, we use a soft credit pull only, offers usually arrive in 1 to 5 hours on a complete file, and funding usually takes 24 to 48 hours. We fund Phoenix businesses online. Our office is at 2420 NE 186th St in North Miami Beach, Florida. You apply directly with us and work with us, not a broker or middleman.
Phoenix small business snapshot
The Phoenix area has more than 500,000 small businesses, and seasonal swings in tourism, construction and hospitality can leave cash flow uneven. Working capital can smooth that out.
Figures for the Phoenix-Mesa-Chandler metro area as reported by the sources listed at the bottom of this page.
Phoenix industries we fund
- Professional services: Professional, scientific and technical services is the metro area's largest industry by number of small businesses. Firms use funding for hiring and marketing.
- Healthcare practices: Health care and social assistance employs the most small business workers in the metro area. Practices fund equipment and staffing.
- Construction and contractors: Contractors fund materials, crews and equipment while they wait on draws and payments.
- Restaurants and hospitality: Restaurants and hospitality businesses fund payroll, inventory and seasonal staffing.
- Manufacturing and distribution: Manufacturers and distributors use funding for materials, machinery and larger orders.
Not on the list? See all the industries we fund.
How Phoenix businesses use working capital
- Covering payroll and materials while waiting on payments
- Buying equipment or inventory ahead of a busy season
- Funding marketing and hiring
- Opening another location in the Valley
How a merchant cash advance works
A merchant cash advance gives your business a lump sum of working capital. It is not a loan, so the cost is set by a factor rate instead of an interest rate, and you know your total repayment before you accept. For example, $50,000 at a 1.35 factor rate over 10 months repays $67,500, with a fixed daily payment of $321.43. Our in-house Direct Fund program uses factor rates of 1.25 to 1.49 for prime files and 1.309 to 1.499 for higher-risk files, with fees of 5% to 10%. See the exact structure on our Transparent Terms page, learn the basics on our merchant cash advance page, or estimate your payment with our calculator. If you are weighing options, read merchant cash advance vs. line of credit.
Who can apply in Phoenix
- At least 1 year in business
- At least $5,000 in monthly revenue
- Soft credit pull only, with a minimum credit score of 500
- Funding from $10,000 to $5,000,000
See what your Phoenix business qualifies for
Offers in 1 to 5 hours on a complete file, funding in 24 to 48 hours, up to $5,000,000. No cost to apply, no obligation.
Phoenix funding questions
Do you fund businesses in Phoenix?
Yes. We fund Phoenix businesses online. Our office is at 2420 NE 186th St in North Miami Beach, Florida. You apply directly with us and you work with us, not a broker or middleman. To qualify, you need at least 1 year in business and at least $5,000 in monthly revenue.
How much funding can a Phoenix business get?
Smart Business Funding provides merchant cash advances from $10,000 to $5,000,000. The amount you qualify for depends on your revenue and time in business, and the total repayment is shown in your written offer.
How fast can a Phoenix business get funded?
Offers usually arrive in 1 to 5 hours on a complete file, and funding is usually 24 to 48 hours for the whole process from application. As little as 24 hours is possible.
Do I need strong credit to qualify in Phoenix?
We use a soft credit pull only, so applying does not affect your credit score. The minimum credit score for our Direct merchant cash advance is 500.
Will I receive a written cost disclosure before signing in Arizona?
Yes. As of October 2026, Arizona has not enacted a commercial financing disclosure statute that applies to this product. Smart Business Funding provides written terms for every offer, including your total funds provided, total repayment, total cost and payment schedule, before you sign. This is general information, not legal advice.
Which Phoenix industries do you fund?
We fund professional services, healthcare practices, construction and contractors, restaurants and hospitality, manufacturing and distribution, and many other industries. See all of them on our industries page.
Arizona funding and disclosures
Arizona applicants: As of October 2026, Arizona has not enacted a commercial financing disclosure statute that applies to this product. Smart Business Funding provides written terms for every offer, including your total funds provided, total repayment, total cost and payment schedule, before you sign. This is general information, not legal advice.
See our full Arizona business funding page, or browse funding by state.
Also serving: MiamiNew York CityLos AngelesChicagoHoustonDallasAtlanta
Sources
This page is general information, not legal, tax or financial advice. Funding is subject to underwriting and approval. Amounts, pricing, fees and timing vary by applicant.
