Capital for Arizona operators
from the Sonoran Desert to the high country.

Arizona has transformed in the last decade from a residential-growth and tourism story into one of the most strategically important manufacturing states in the United States. TSMC is building one of the largest semiconductor fabrication footprints outside Taiwan in north Phoenix, Intel has expanded its Chandler campus into one of the most advanced fabs in North America, and a constellation of suppliers — equipment vendors, chemical providers, specialty contractors, cleanroom services — has moved in around them. Aerospace and defense remain massive: Raytheon's Tucson operations, Boeing's Mesa Apache plant, Honeywell, and Lockheed Martin all anchor a deep supply chain. The Phoenix and Tucson metros add resort and hospitality tourism, healthcare, real estate, and one of the largest construction sectors in the western United States.

Our Arizona pipeline reaches every region. In the Phoenix metro we fund operators across Phoenix, Scottsdale, Mesa, Chandler, Tempe, Gilbert, Glendale, Peoria, Surprise, Avondale, and Goodyear. Tucson and southern Arizona add Tucson proper, Oro Valley, Marana, Sahuarita, Sierra Vista, and the border-trade economies around Nogales. Northern Arizona brings us Flagstaff, Prescott, Prescott Valley, Sedona, Cottonwood, and the Verde Valley. Yuma and the western desert add the winter-vegetable ag economy and the Colorado River tourism belt.

The bank-lending coverage gap in Arizona

Arizona has a thinner regional banking field than its metro size would suggest. Most lending decisions for the state's small businesses happen at out-of-state national branches, and those institutions concentrate underwriting on commercial real estate, large deposits, and high-net-worth clients rather than on the $50K to $500K working-capital tickets the state's small businesses actually need. A Phoenix restaurant, a Scottsdale dental group, a Mesa contractor, a Tucson auto shop, a Sedona tour operator — strong, deposit-rich businesses — frequently cannot get a fast yes from a bank. We close that gap.

We are deposit-based underwriters. We read your four most recent months of business bank statements, your ledger, and how you actually operate. We do not require two years of tax returns, audited financials, or a 720 FICO. That approach fits Arizona's mix because it accommodates the cash-heavy Old Town Scottsdale bar, the receivable-heavy Yuma vegetable packer, the project-based home-builder in Gilbert, and the platform-heavy DTC brand shipping out of Phoenix's south industrial belt on the same underwriting bench.

Arizona's industry mix, the way we see it

Semiconductors and aerospace dominate state GDP increasingly, but the major primes mostly do not fund through us. Where we play heavily is the operating economy underneath: restaurants and bars, hotels and resorts, contractors, retailers, medical and dental practices, ag operators, and logistics businesses that move Arizona day to day. The Scottsdale and Sedona resort and spa economy is a meaningful slice, as is the long tail of professional services firms in every metro and the construction supply chain riding what may be the largest sustained housing build cycle in the western United States.

Arizona is best understood as a Phoenix metroplex of nearly five million people, a Tucson metro of just over a million, a fast-growing high-country economy through Flagstaff and Prescott, and a Yuma-anchored desert ag economy. Below is how the major regions break down in our book.

Phoenix

Phoenix is the largest single Arizona market in our book by a wide margin. We fund operators across downtown, Midtown, North Phoenix, Arcadia, Biltmore, the south industrial belt, and Ahwatukee. The industry mix is unusually broad for a single metro: restaurants and bars, hotels and resorts, construction and trades riding one of the largest sustained build cycles in the country, healthcare, beauty and wellness, professional services orbiting the major semiconductor and defense employers, and the contractor supply chain riding the TSMC build-out.

Scottsdale and the East Valley

Scottsdale is one of the densest hospitality and resort markets in the western United States. Old Town's bar and restaurant cluster, the resort and spa economy through North Scottsdale, and the medical and dental practice base anchor a book that skews materially larger than the state median. Chandler, Tempe, Mesa, and Gilbert form one of the densest small-business markets per capita in the southwest, anchored by Intel Chandler, ASU Tempe, and the long tail of suburban retail, contractor, and service businesses.

Mesa and the East Valley extension

Mesa is the third-largest city in Arizona and one of the largest single-municipality small-business markets in the western United States. We fund a deep contractor and trades base, restaurants, healthcare practices, and the retail and service businesses riding the East Valley's continuing residential growth. Boeing's Apache plant adds a defense-services slice.

Chandler

Chandler is the home of Intel's Ocotillo campus, one of the most advanced semiconductor manufacturing footprints in North America, and the contractor and supplier economy that surrounds it. We fund cleanroom service providers, specialty contractors, equipment vendors, and the deep restaurant, retail, and healthcare base that supports a city built around tech employment.

Glendale and the West Valley

Glendale anchors a fast-growing West Valley market with sports and entertainment infrastructure including State Farm Stadium and the Westgate district. We fund a deep contractor, restaurant, and retail base from Glendale through Peoria, Surprise, Avondale, and Goodyear, riding one of the largest suburban residential build cycles in the country.

Tucson and southern Arizona

Tucson anchors southern Arizona and brings us a mix of restaurants, hospitality, healthcare, contractors, and defense-services businesses tied to Raytheon and Davis-Monthan AFB. The University of Arizona drives a steady restaurant and retail book, and the broader southern Arizona market adds border-trade operators in Nogales and the Sierra Vista military and contractor base.