Loans & Lines of Credit

Commercial Real-Estate

Alliance Bank of Arizona is ready to help you and your business purchase, obtain or improve real estate property. Our Commercial Real Estate Loans are term loans that are secured by income-producing real estate for investors or owners, and are generally used to finance or refinance real estate property.

Term Loans

Alliance Bank of Arizona offers a variety of options to finance or refinance Income-Producing and Owner-Occupied real estate. Our term loans are individually tailored to your financing needs and can be either variable or fixed interest rates for a term up to 20 years. Generally, these loans are secured by a first deed of trust on the property.

Construction Loans

An Alliance Bank of Arizona Real Estate Construction Loan is a line of credit for a certain sum. The money is advanced through a flexible construction management process as funds are needed to pay for hard or soft costs. During the term of the loan, you pay monthly interest only on the outstanding balance. The dollar amount needed for these payments may be included in total costs so that you do not have to pay "out of pocket." Construction financing is provided for Office, Industrial, Retail and Residential Subdivisions.

All loans subject to credit approval and property evaluation.

Equipment

Alliance Bank of Arizona's Equipment Loans are designed to provide you and your company with valuable financing alternatives. We offer virtually all types of equipment leasing and financing options, such as enhancing your technology needs, expanding your product line, or increasing your plant's efficiency. Our equipment financing plans are tailored to meet your needs.

Additional disclosures will be provided at account opening.

Letters of Credit

An Alliance Bank of Arizona Letter of Credit can help your business secure the purchase of goods on a domestic or international level. Our lending professionals can help you structure your trade transactions to avoid the discrepancies and inconsistencies that can cause additional costs, delays and potential loss of business.

Additional disclosures will be provided at account opening.

Residential Construction

Alliance Bank of Arizona specializes in Residential Construction Loans for the owner-occupant. We offer you the easiest, most flexible construction loans available to help you save money.

Owner/Builder Construction Loan Features:

Competitive pricing
Professional assistance placing the permanent mortgage
No application or underwriting fees
Flexible construction administration programs
Interest paid monthly on the outstanding balance
No pre-payment penalties
Land does not have to be 100% paid off
Owner-builders considered based on prior experience in homebuilding

Basic Qualification Requirements

Good credit, as determined by our review of your credit report
Level of income that will qualify you for a permanent mortgage
The amount of the loan is enough to complete the construction of your home
Minimum equity of 15% of total project costs

You will have satisfied this required down payment requirement when you have paid this amount toward the purchase of your land and/or toward construction.

Revolving Lines of Credit

An Alliance Bank of Arizona Revolving Line of Credit provides the flexibility to take advantage of business opportunities as they arise. Your business can borrow, repay, and borrow again up to the original amount committed by Alliance Bank of Arizona throughout the life of the loan. This type of credit facility is typically repaid from your business' operating cash flow (i.e. the collection of receivables). You can use a line of credit to fund seasonal changes in inventory and receivables, take advantage of vendor discounts, or meet unexpected cash needs. Lines of credit are a cost effective way to borrow and repay what your business needs when you need it.

Credit Cards

We’re pleased to offer our Alliance Bank of Arizona VISA Business credit cards with a low APR fixed interest rate for the first six months and our DreamMiles® Rewards Program.

With DreamMiles®, you’ll earn one point for every dollar you spend with your card. Choose from hundreds of rewards options including discounted travel, brand-name merchandise, gift cards, cruises, hotel stays and free airline tickets. Call or visit your local Alliance Bank office for an application and important disclosure information.

Subject to credit approval. Additional disclosures will be provided at account opening.

Access your credit card information online at www.e-creditcardservices.com

SBA

Are you starting or expanding a new business? Successful entrepreneurs realize that a key component is obtaining appropriate financing - but soon discover that it can be a complex and frustrating process. The Small Business Administration (SBA) offers a variety of financing options for small businesses. Long-term loans with minimum down payment for the purchase of owner occupied real estate, machinery and equipment, business acquisitions or working capital are examples of available financing options. Alliance Bank of Arizona is an SBA Preferred Lender and participates in the SBAExpress and Patriot Express programs, as well as offering basic 7(a) SBA guaranteed loans.

Secured/Unsecured

A Secured Commercial Loan from Alliance Bank of Arizona may be the answer to funding your equipment purchases, financing real estate, extending working capital, or restructuring debt. Our loan officers offer the expertise to help you make the right decision for your business. We offer customized repayment terms and competitive pricing to meet the needs of your situation.

Additional disclosures will be provided at account opening.

Vehicle

Is your business in need of a new fleet of vehicles? Alliance Bank of Arizona has a complete Vehicle Financing Program designed for your business' next vehicle purchase. We also offer a leasing program for fleets. Our flexible repayment terms and competitive pricing are designed to meet the needs of your business.