60-second application
One short form. Three months of bank statements. That's it. No tax returns. No business plan. No landlord verification.
Arizona
Your bank takes 60 days. We fund Arizona businesses in 24 hours.
From Phoenix construction crews to Tucson restaurants to Scottsdale retail boutiques. We don't read your credit report. We read your bank statements.
See What I Qualify For No credit pull · No commitment · 60 seconds
Why Arizona
650,000 small businesses. Most can't get a bank loan.
Arizona has one of the fastest-growing small-business economies in the country. Phoenix metro alone added 75,000+ residents in 2024 — that population growth flowed through to restaurants, healthcare, construction, and retail. Tucson has its own engineering, defense, and university-driven small-business density. Scottsdale and Tempe carry the hospitality and tech-services side.
Here's what the headline growth numbers don't show: most Arizona businesses run on extremely tight cash cycles. A Scottsdale restaurant doing $95K/month in February might do $40K in July. A roofing contractor in Phoenix might have $250K in signed contracts and $9K in operating cash because draws don't hit for 45 days. We fund both kinds of business, same day. The slow months are information, not a deal-breaker.
We've underwritten Arizona businesses across every major metro and most of the secondary markets — Phoenix metro restaurants and construction, Tucson healthcare and engineering services, Scottsdale hospitality, Flagstaff seasonal businesses. That's why we underwrite on cash flow, not credit scores, and decision in hours.
650K
Arizona small businesses
$5K-$2M
Funding range
24-48hr
Average funding speed
0%
Credit pull required
Who we fund in Arizona
These four industries call us every week.
Tourism, construction, and the water. That's what drives Arizona's economy. And all three run on cash flow that banks don't understand.
Restaurants & Hospitality
A Scottsdale restaurant doing $90K/month in February drops to $35K in July. That's a normal year. Owners typically need $40K-$80K before peak season for staff and inventory. We get it to them in a day.
Construction & Trades
Phoenix metro is one of the busiest construction markets in the country — but draws still lag work by 30-60 days. A contractor with $300K in signed work and $9K in the bank is a Tuesday for us.
Trucking & Transportation
I-10 corridor between LA and El Paso runs through Phoenix. Net-30 to net-60 from shippers, fuel daily, payroll Friday. We bridge the gap.
Retail & E-commerce
Phoenix metro retail, Sedona tourist shops, Tucson neighborhood businesses. We look at deposits, not credit. Marketplace payouts count.
How it works
Apply today. Funded tomorrow.
Same process whether you're in Pensacola or Key West. No callbacks. No chasing paperwork. No 6-week underwriting cycle.
Same-day decision
We read your bank deposits. September dips don't scare us if your March through May looks strong. You hear back in hours.
Capital hits your account
One signature. Money wires in 24-48 hours. Board up before the storm, buy inventory before snowbird season, or lock in that subcontractor.
Arizona field note
$75K wired. 28 hours. Hurricane-ready.
Restaurant owner · Miami, FL
"Storm season was 8 weeks out. I needed impact shutters, patio reinforcement, and a backup generator. My bank wanted 45 days of paperwork. Westline wired me $75K in 28 hours. We were boarded up and generator-tested before the first advisory hit."
Common questions
Arizona business funding — answered.
Do you fund Arizona businesses with bad credit?
Yes. We've funded Arizona businesses with credit scores in the 500s — and some sub-500. We underwrite on cash flow, not FICO. Three months of bank statements with consistent deposits is what matters.
How fast can a Arizona business get funded?
Typical time from signed agreement to capital wired is 24 to 48 hours. Decisions on most applications come back the same business day.
How much can Arizona businesses qualify for?
$5K-$2M is the typical advance range for Arizona businesses, though we fund anywhere from $5,000 to $2,000,000 depending on monthly revenue. A reliable rule of thumb: about 50%-150% of monthly deposits.
What do I need to apply?
Three things: a 60-second application (business name, monthly revenue, time in business), the last 3 months of business bank statements, and a voided check or bank linkage. No tax returns, no collateral, no credit pull to qualify.
Is this a loan?
No. A merchant cash advance is the purchase of a portion of your future receivables. There is no APR. Pricing is expressed as a factor rate (typically 1.15 to 1.45) applied to the advance amount — that's the total payback. Repayment is a small daily, weekly, or bi-weekly ACH from your business account.
Find out your number in 60 seconds.
No credit pull. No obligation. Miami to Jacksonville, same process, same speed.
Apply Now