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Arizona Community Reinvestment Programs

Home > About  > Community Reinvestment Act > Arizona Community Reinvestment Programs

Our Community Reinvestment in Arizona

Sunwest Bank is deeply committed to the financial health and growth of Arizona’s communities. From the urban core of Phoenix to the nature-rich Flagstaff area, we work to expand access to credit and ensure that businesses of all sizes can thrive.

As part of our commitment to the Community Reinvestment Act (CRA) program, we offer small-business financing that may qualify for CRA consideration. We provide flexible financing for entrepreneurs, community organizations, and projects that strengthen local economies, especially those serving low- to moderate-income neighborhoods.

At the same time, our #SunwestServes program mobilizes employees to give back through volunteerism and charitable partnerships focused on housing, food security, health, and education. Together, lending and service form the foundation of our commitment to Arizona.

Connect with a Community Banker in Arizona

CRA Lending That Strengthens Arizona’s Economy

Every business plays a role in shaping the future of its community. That’s why Sunwest Bank’s CRA lending programs are designed to help Arizona business owners access the capital and guidance they need to expand, hire, and reinvest locally.

Whether you’re a contractor in Phoenix, a retailer in Mesa, or a small manufacturer in Flagstaff, our CRA small business lending solutions are built to meet your needs and support the broader growth of Arizona’s economy.

Accelerated Small Business Financing

For a streamlined process with decisions after a complete application, we can provide straightforward access to funding with our Accelerated Small Business Financing program that offers term loans and credit lines up to $250,000. It’s designed for business owners who need to move quickly on new opportunities from equipment purchases to expansion plans.

Key Advantages:

  • Simplified application and approval process
  • Competitive terms and minimal fees
  • Versatile use of funds for working capital, operations, or growth

Business Lines of Credit

Arizona’s business landscape moves fast, and our Business Lines of Credit help companies stay agile. This revolving credit option provides flexible access to working capital when you need it most, whether it’s covering seasonal expenses or financing large orders.

Key Benefits:

  • Draw funds as needed within approved limits
  • Pay interest only on what you use
  • Support for managing cash flow and pursuing new opportunities

SBA Lending

As a Preferred SBA Lender, Sunwest Bank partners with the U.S. Small Business Administration to deliver financing that fuels entrepreneurship across the state. SBA loans are ideal for companies looking to expand, invest in property, or purchase equipment and often open doors to borrowers who might not qualify for traditional commercial credit.

SBA Options:

  • 7(a) Multipurpose Loan: Flexible capital for most business needs, from expansion to refinancing
  • 7(a) CRE Loan: Long-term financing for purchasing or improving commercial property
  • 504 Loan Program: Funding for major investments like real estate and equipment

Sunwest Bank’s Visionary Card

Smart financial management extends beyond loans. The Sunwest Visionary Card helps business owners streamline spending with real-time expense tracking, secure payments, and cashback rewards. With no annual or program fees, it’s a powerful tool for managing expenses and building business credit. Other fees may apply; see Visionary Card Rates & Fees and Cardholder agreement.

Sunwest Visionary Card

Supporting Business Growth Through Banking & Education

In addition to lending, Sunwest Bank provides a complete suite of business banking solutions designed to simplify financial management. From commercial checking and savings accounts to digital treasury management tools, we help businesses stay efficient, organized, and ready to scale.

We also invest in financial education, providing business owners with articles, webinars, and tools that demystify topics like cash flow management, loan preparation, and sustainable growth strategies.

Community Investment Arizona

Community Investment Across Arizona

Sunwest Bank’s impact in Arizona goes far beyond lending. We invest in partnerships and organizations that expand economic opportunity statewide.

Through #SunwestServes, our teams volunteer with nonprofits and community programs focused on education, small business development, and housing stability. We also invest in Community Development Financial Institutions (CDFIs) that provide credit and financial services in underserved areas, helping strengthen Arizona’s local economies from within.

Regional Focus Areas

Maricopa County (Phoenix Metro)

In the heart of Arizona’s economy, Sunwest Bank supports small businesses throughout Phoenix, Scottsdale, Tempe, Mesa, and Chandler. Our CRA programs help local companies access financing to expand operations, invest in new equipment, and create jobs in key industries such as construction, healthcare, and professional services.

Local Impact Highlights:

  • Providing working capital for minority- and women-owned startups in Phoenix and Tempe
  • Financing for service-based and technology firms driving job growth across Mesa and Chandler
  • Supporting commercial real estate projects that revitalize local business districts

Northern Arizona (Flagstaff Region)

In Flagstaff and the surrounding region, Sunwest Bank’s CRA lending fosters the vitality of smaller markets where small businesses are the backbone of the community. We provide financing that supports tourism, local manufacturing, and independent retail, helping sustain the diverse economies that make Northern Arizona unique.

Local Impact Highlights:

  • Financing for boutique hotels and tourism-focused businesses in Flagstaff and Sedona
  • Equipment loans for small manufacturers and artisans in Northern Arizona
  • Working capital for local shops and restaurants that keep small-town economies thriving
Moonshot Arizona

Each loan and investment strengthens the fabric of Arizona, ensuring that opportunity reaches every neighborhood and every business, from accounting firms to local construction business.

Branches Serving Your Community

Visit one of our Arizona branches to connect with a Sunwest banker who understands your local market:

Flagstaff Branch

121 East Birch Avenue, Suite 103
Flagstaff, AZ 86001

Flagstaff Branch

Scottsdale Branch

7150 Camelback Rd, Suite 195
Scottsdale, AZ 85251

Scottsdale Location

Our Commitment to Arizona

Sunwest Bank proudly serves communities across Arizona, including those in low-to-moderate income areas, through a combination of CRA lending, investments in CDFIs, and employee volunteerism. Our mission is simple: to make financial opportunity accessible for every business owner, from Phoenix to the peaks of Flagstaff.

Connect with a Community Banker in Arizona

Frequently Asked Questions About CRA Loans

What is a CRA loan?

A CRA loan is a type of financing offered under the Community Reinvestment Act. These loans help banks like Sunwest meet community credit needs, especially in underserved areas, by providing small business and community development funding.

What are CRA loan requirements?

CRA lending requirements ensure banks serve all parts of their communities. Sunwest considers factors like business viability, creditworthiness, and community impact when approving CRA loans.

What CRA lending programs are available in Arizona?

Sunwest offers several CRA lending options — including accelerated business loans, SBA loans, and lines of credit — each designed to meet the needs of Arizona entrepreneurs.

What industries most commonly benefit from CRA loans in Arizona?

Many Arizona CRA loans support businesses in construction, healthcare, hospitality, retail, and professional services—sectors that are driving growth in both urban and rural markets.

Are Community Development Financial Institutions (CDFIs) involved in Arizona’s CRA efforts?

They are. Sunwest Bank partners with CDFIs to extend credit and technical assistance to small businesses in underserved areas, ensuring access to funding even where traditional banking options may be limited.

Small Business Transaction

All Locations Sunwest Bank Serves

Sunwest Bank’s CRA programs extend across several western and southeastern states. Our lending and service initiatives reach communities where small businesses are driving local economies forward.