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Businesses that Prosper!

We believe small businesses have the ability to transform both the people they employ and communities they serve.

CIC is committed to helping small businesses in Southern Arizona thrive and succeed by providing access to capital through non-traditional financing resources at competitive interest rates with flexible terms.

Small businesses are often underestimated because of their size, but they play a vital role in job creation and the overall growth of our nation’s economy. According to the Small Business Administration’s Office of Advocacy, small businesses account for 99.7% of U.S. firms, employ over 47.8% of the country’s working population, and employ nearly 1 million Arizonans. These businesses are the backbone of our economy, which is why we provide financing options to ensure their dreams of entrepreneurship come to fruition.

Businesses that Prosper!

Small Loans for Big Change

Did you know that 40% of all small businesses apply for financing in any given year? That’s over 220,000 in Arizona alone because cash is the #1 need to take advantage of new opportunities to sustain and grow small enterprises.

Running your own small business and being your own boss is rewarding – but hard work. And it’s even harder when you don’t have access to money you need – whether you’re looking to make it through a rough patch or pay for inventory, manage your cash flow, invest in better equipment, and grow your business. But small businesses are the backbone of Arizona’s economy and we believe in investing in them – and in YOU.

We help southern Arizona business owners take the next step in growing their business by providing financing when others won’t.

CIC is a financial empowerment nonprofit that gives members of our community who are often shut out and left behind in an imperfect capitalist system, access to the knowledge and financing they need to pursue new opportunities because a more equitable society is a more just society.

Equity begins with radical access to capital.

In addition to our small business lending we are always looking for innovative ways to bring capital to places shut out of the economy, from leveraging global crowdfunding resources, to reimagining how lending decisions are made through our BIPOC Community-Managed Loan Fund, and much more!



If you are interested in applying for financing, please fill out our inquiry / pre-application form. This will help us learn more about which product offerings might apply to you, and will ensure you don’t waste your time by filling out the wrong application.

For more information

If you are not ready to apply but would like to discuss the possibility of a loan or have questions, we are here to help!

Contact us at or 520-529-1766 x222.