Bank said no in Tempe? Business funding that says yes
A turndown at the bank is where we start. We shop non-bank, revenue-based, and SBA options across 20+ lenders to find your yes.
Funding for every Tempe business
Heritage Business Capital brokers a range of commercial financing programs for Tempe businesses, including term loans, equipment financing, lines of credit, and commercial real estate loans. We work with companies across manufacturing, healthcare, technology, and service sectors throughout Maple Ash, Clark Park, and the broader Phoenix metro.
SBA Loans
Low-rate, long-term SBA 7(a), Express & 504 financing.
Learn more →SBA 7(a) Loan
The flexible SBA workhorse for growth and acquisition.
Learn more →Business Line of Credit
Revolving capital you draw only when you need it.
Learn more →Working Capital Loans
Fast capital to cover operations and growth.
Learn more →Small Business Loans
Right-sized funding for local small businesses.
Learn more →Short-Term Business Loans
Quick-turn capital paid back over months.
Learn more →Merchant Cash Advance
Advance against future card sales.
Learn more →Unsecured Business Loans
Funding without collateral.
Learn more →Financing built for Tempe's economy
Tempe's economy is driven by key industries such as advanced services, manufacturing, aerospace, bioscience, and tourism. The city is home to a thriving job market, particularly in technology, education, and healthcare, attracting skilled professionals.
Tempe's economy spans advanced manufacturing, aerospace, bioscience, and a growing technology sector clustered around Downtown Tempe, Discovery Business Campus, and Tempe City Center. Businesses operating in these corridors often need flexible capital to scale operations, hire skilled workers, or invest in specialized equipment. We connect local companies to the right commercial financing, whether you're expanding in South Tempe or opening a second location near Arizona State University.
How business funding works in Tempe
Getting funded is simpler than most owners expect. Four steps, a same-day read, and no application fee or hard credit pull to see where you stand.
Tell us about your business
You provide information about your Tempe operation, covering industry sector, monthly revenue, how long you've been in business, and the specific reason you need capital.
We match the program
We assess your business profile and identify which programs fit across our network of more than 20 national and regional lenders.
Compare real offers
You examine actual term sheets side by side, weighing factors like repayment schedules, funding amounts, and total cost with no commitment required.
Close and get funded
After you choose your preferred lender, we walk you through the closing process and stay involved until the funds arrive in your account.
Industry-specific funding
Dental Practice Loans
Acquisition, build-out, and equipment financing for Tempe dental practices.
Learn more →Medical Practice Loans
Capital for Tempe clinics.
Learn more →Restaurant Loans
Working capital, equipment, and MCA for Tempe restaurants.
Learn more →Trucking Business Loans
Truck financing and factoring for Phoenix-Mesa-Scottsdale carriers.
Learn more →Commercial Construction Loans
Ground-up and build-out financing across the metro.
Learn more →Hotel Loans
SBA 504 and bridge financing for hospitality.
Learn more →Salon Business Loans
Build-out and working capital for salons and spas.
Learn more →Retail Business Loans
Inventory and cash-flow funding for Tempe retailers.
Learn more →Business funding in Tempe, by the numbers
Small businesses in Tempe often seek capital to manage seasonal cash flow tied to tourism and university cycles, or to finance growth in competitive sectors like bioscience and advanced services. Access to multiple lender options helps local companies find terms that align with their revenue patterns and expansion plans.
- The U.S. is home to more than 33 million small businesses. (SBA Office of Advocacy)
- Most firms applying for financing seek $100K or less, per the Fed's Small Business Credit Survey. (Federal Reserve)
Reviewed July 2026 · figures link to primary sources.
Why Tempe owners work with a local broker
Applying to lenders one at a time is slow, and it leaves you comparing offers that are hard to line up. As a local broker we shop more than 20 lenders for you in a single conversation, translate the fine print, and steer you away from expensive money you do not actually need. Because we know the Tempe and Phoenix-Mesa-Scottsdale market, the programs we suggest reflect how business is really done here. You get more options, a straight answer the same day, and no fee to find out where you stand.
What Tempe owners say
“Financed new equipment without touching our cash reserves. Local, responsive, and genuinely professional.”
“Smooth from application to funding. They handled the lender back-and-forth so I could keep running the business.”
“Approved when we thought we had no options. Heritage kept us updated the whole way through.”
Individual client experiences; results vary by business and program.