About Heritage Business Capital

Heritage Business Capital is a licensed commercial business-loan broker in Tempe, AZ, not a direct lender. We compare programs across more than 20 lenders to match Tempe businesses to the right financing, with same-day answers, no application fee, and no hard credit pull to start.

20+Lenders compared

38+Funding programs

$25K–$5MFunding range

$0Application fee

Who we are

A local broker built for Tempe owners

Heritage Business Capital exists because Tempe business owners deserve transparent guidance through the commercial lending marketplace, not a sales pitch from a single lender. We serve manufacturers in Discovery Business Campus, bioscience firms scaling near ASU, aerospace contractors, and retail operators in Downtown Tempe and Tempe City Center who need capital but lack the time to shop dozens of lenders alone. Our work is built on the belief that every business benefits from an honest comparison and a broker who explains what financing actually costs before anyone signs.

Heritage Business Capital works as your advisor, not a salesperson. We compare offers from more than 20 lenders in a single conversation, translate the true cost of each option in plain language, and tell you honestly if financing is premature or unnecessary. Our job is to give you clarity and choice, not to push a product.

Heritage Business Capital advisor meeting a Tempe business owner

Local market

Funding built for the Tempe market

We understand that a precision manufacturer in Discovery Business Campus has different cash flow patterns than a hospitality business along Mill Avenue, and we structure our lender recommendations accordingly. Our knowledge of Tempe's advanced services sector, its aerospace supply chain, and the seasonal rhythms of its tourism economy allows us to anticipate what underwriters will ask and which lenders actually fund businesses in these corridors. When a South Tempe healthcare practice or a North Tempe tech startup approaches us, we already know which of our lender partners are active in those industries and neighborhoods right now.

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.

SBA 7(a) loans, the agency's most common program, can range up to $5 million. (U.S. Small Business Administration) · Reviewed July 2026

Access to capital remains a top challenge cited by small employers in the Federal Reserve's Small Business Credit Survey. (Federal Reserve) · Reviewed July 2026

Tempe business district and Phoenix-Mesa-Scottsdale corridors

How we work

How we work with you

Four steps, a same-day read, and no cost to find out where you stand.

A real conversation

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 shop 20+ lenders

We assess your business profile and identify which programs fit across our network of more than 20 national and regional lenders.

You 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.

We guide you to funding

After you choose your preferred lender, we walk you through the closing process and stay involved until the funds arrive in your account.

Who we help

Businesses we fund across Tempe

Heritage Business Capital helps Tempe businesses across manufacturing, bioscience, aerospace, advanced services, healthcare, technology, and hospitality secure the capital they need to grow or stabilize. Whether you operate a precision shop in Discovery Business Campus, a clinic in Maple Ash, a retail storefront in Downtown Tempe, or a service company in Clark Park, we broker term loans, lines of credit, equipment financing, and commercial real estate loans. Our clients range from early-stage startups near ASU to established operators expanding in South Tempe and Tempe City Center.

Industries include Dental Practice Loans · Medical Practice Loans · Restaurant Loans · Trucking Business Loans · Commercial Construction Loans · Hotel Loans and more. Explore the Tempe funding hub to see every program.

Why us

What Tempe owners can count on

The Heritage Business Capital difference

Simple, local, and honest:

Access to more than 20 commercial lenders through one broker conversation
Honest counsel when financing is not the right move for your business
True cost breakdowns in plain language before you commit to any offer
Local insight into Tempe industries, corridors, and seasonal cash flow patterns
No upfront fees and no obligation until you accept a funded offer
Faster approvals because we match your business to the right lender first

A broker, not a lender, and why that helps you

We do not lend our own money and we are not tied to one bank. We compare programs across more than 20 lenders and are paid by the lender only when your loan funds, so our guidance adds no cost beyond the lender's disclosed terms. That independence is the point: we work for your best fit, not a single product.

About Heritage Business Capital, FAQ

How we work, how we are paid, and why Tempe owners choose a local broker.

Is Heritage Business Capital a lender or a broker?

Heritage Business Capital is a licensed commercial loan broker, not a lender. That means we do not lend our own money or set loan terms. Instead, we work on your behalf to compare offers from more than 20 commercial lenders, explain the true cost of each option, and help you choose the best fit for your Tempe business. Our loyalty is to you, not to any single funding source.

Is it safe to work with a business loan broker?

Yes, it is safe to work with a licensed business loan broker like Heritage Business Capital. Brokers are regulated, and reputable brokers never ask for sensitive information until a lender formally requests it during underwriting. Working with a broker gives you access to more lenders and better terms than you would likely find alone, and you are never obligated to accept an offer. We disclose all fees and relationships upfront.

Does Heritage Business Capital charge a fee?

Heritage Business Capital does not charge upfront fees to Tempe business owners. You pay nothing to start a conversation, request a comparison, or review lender offers. Our compensation comes only after a loan is funded, and we disclose exactly how we are paid before you move forward. If no loan closes, you owe us nothing.

How does Heritage Business Capital get paid?

Heritage Business Capital is paid by the lender when a loan successfully funds. This commission is built into the lender's cost structure and does not increase what you pay. We disclose our compensation clearly so you understand all parties involved. Because we are paid only on funded deals, our incentive is to find you an offer you will actually accept and benefit from.

Is Heritage Business Capital licensed?

Yes, Heritage Business Capital is a licensed commercial loan broker operating in Tempe and throughout Arizona. We comply with all state and federal broker regulations. You can verify our licensing status and ask us directly about our credentials. Licensed brokers are held to disclosure and conduct standards that protect business owners throughout the financing process.

Why use a broker instead of my own bank?

Using a broker like Heritage Business Capital gives you access to more than 20 lenders in one conversation, not just the products your bank offers. Banks serve their own portfolio and underwriting standards. We serve you, comparing terms across multiple institutions to find better rates, faster approvals, or more flexible structures. Many Tempe businesses secure financing through a broker after their bank says no or offers terms that do not fit.