Hello and welcome! We are excited that you are interested in working with CIC. We provide loans and business education to small businesses located in Southern Arizona, namely Pima, Cochise, Graham, Greenlee, Pinal, Santa Cruz, and Yuma counties. If your business is located in one of those counties, you are in the right place!

Our inquiry form is a little different from what you may be used to. We know that your time is valuable and if we are not able to help you, we want to let you know as soon as possible. Our form is dynamic and will provide you with information as you answer questions, letting you know right away if we might not be a good fit. We’ll collect your contact information at the end of the form.

If you are interested in continuing on, please read more about our services below and let us know which service(s) is of interest.

• Business Loans – We make loans of $500 - $100,000 to small businesses located in Southern Arizona with a special focus on microloans and loans to entrepreneurs of color.
  • The BIPOC Community Managed Loan Fund offers microloans of up to $10,000 specifically for entrepreneurs of color.
• Business Education – We provide no cost training and coaching to help you prepare for a loan, determine what type of funding might be best for your business, and put your application package together.
• Success Through Alternative Capital (STAC) aims to help businesses without adequate collateral or assets to qualify for traditional loans. This new initiative comes after years of serving business owners with credit challenges who sought different financing options, beyond fixed-term loans.

Please note that your information is saved on our secured server as you complete this form.

*Please note that we only make loans to businesses. If you are in need of a personal loan, please contact your bank or credit union.

If you select other service(s), you may continue your inquiry.

Need more information? Please view the pages below to learn about growing your small business.

Click here to learn more about CIC's Small Business Loans.

Interested in the BIPOC Loan Fund? Click here to learn more about this program for business owners of color.

Click hear to learn more about STAC, a Revenue-Based Financing Initiative for Small Businesses.

Click here to find more tools for starting your Small Business.

Click here to learn more about the basics of Business Finances.

How do loans work? Click here to learn more.

If you are ready to continue your inquiry, please uncheck "Not sure. I need more information first."

We're sorry, but as a nonprofit lender serving Southern Arizona, it sounds like your business would likely not qualify. If you are based elsewhere, but a significant portion of your business serves one of the above listed counties, please select that county to continue this form.

Because you are interested in multiple services with CIC, this form will ask you questions about each service you selected.

Loan Options

Based on your answers and requested loan size, CIC may have two business loan options for you.

• We manage a revolving Loan Program (available across Southern Arizona) where payments from each active loan are used to fund future loans. Based on your responses, you may be eligible for a Microloan ($500 - $10,000).
• We also have an interest-free loan fund specifically for BIPOC (Black, Indigenous, or People of Color) entrepreneurs. Although the BIPOC Loan Fund ($500 - $10,000) is more competitive, it also has less formal requirements that can help BIPOC business owners qualify for a loan.

Click here to learn more about the BIPOC Loan Fund.

Click here to learn more about CIC's traditional business loans, such as the microloan and standard loan.

Based on your answers and requested loan size, CIC's Standard Loan would be the best fit for your business. Click Next if you are interested in answering some more questions and providing us your information, which will allow us to set up a phone call with you.

Interested in the BIPOC Loan Fund?

If you would rather apply to the BIPOC Loan Fund, please change your loan size to $10,000 or less.

Because you are interested in multiple services with CIC, this page might ask you questions about each service you selected.

Unfortunately, it doesn't appear CIC will be able to meet your needs for the following reason(s):

If your circumstances change, please feel free to come back and complete a new form to determine if CIC can be of any assistance. Thank you!

*Please note: if you are eligible for other services with CIC, you will see additional questions on this page. You can continue the form if you are still interested in those services.

Still interested in staying in touch? Please click here to sign up for CIC's newsletter and receive updates from our Lending team!

BIPOC Loan Fund - Begin Application

Based on your responses, you have selected to apply for the BIPOC Loan Fund, which approves loans of less than $10k on a rolling basis.

Please answer the questions below to make sure you are a good fit for the BIPOC Loan Fund. On the next page, you will be asked to provide your contact information.

BIPOC Loan Fund - Business Information

BIPOC Loan Fund - Staffing

BIPOC Loan Fund - Declarations

Responding yes or no to any of the below questions does not automatically disqualify you from this loan opportunity. Decisions will be made on a case-by-case basis.

Small Business Loans with CIC

Based on your responses, you have chosen to inquire for a Microloan with CIC, which ranges from $500- $10,000.

Please answer the questions below to make sure you are a good fit for a Microloan. On the next page, you will be asked to provide your contact information.

Click here to learn more about Business Loans with CIC.

Small Business Loans with CIC

Based on your responses, you have chosen to inquire about a Standard Loan with CIC, which ranges from $10,000- $100,000.

Please answer the questions below to make sure you are a good fit for a Standard Loan. On the next page, you will be asked to provide your contact information.

Click here to learn more about Business Loans with CIC.

*We typically require businesses to be in operation for at least six months before we are able to make a loan. If you would like to discuss your loan need with us or learn more about what is needed for an application, please continue filling out this form.

*We are only able to make loans to established businesses but are happy to guide you through the steps that are needed to get you ready for a loan. If you would like help with the process, please continue completing this form.

*As part of the loan application process, you will be required to open a business bank account. We are happy to help you with the process or provide you with referrals to local banks if you are not sure where to go.

*You will need to provide business financials as a part of the loan application. Please visit our Business Financials page to obtain templates or to learn how to prepare your financials. If you would prefer 1:1 guidance in preparing your financials, please let our staff know and we would be happy to help.

*Businesses typically need to be profitable in order to qualify for a loan. If you would like help in determining your profitability or would like to discuss your options, please continue filing out this form.

*Businesses must be current on their tax fillings in order to obtain a loan. If you would like helping in determining if you are current or would like to discuss your options, please continue filing out this form.

*Business owners must be current on their personal tax filings in order to obtain a loan. If you would like helping in determining if you are current or would like to discuss your options, please continue filing out this form.

*The business must be registered with the state of Arizona in order to obtain a loan. We are happy to help you with the process or provide you with more resources if you are not sure where to go.

Success Through Alternative Capital (STAC)

Thank you for your interest in STAC – our revenue-based financing initiative for small businesses. To learn more about revenue-based financing or to see if the program is a fit for your company, please complete the questions below.

Business Education with AZNavigator

Based on your responses, you have chosen to inquire about Business Education.

Please answer the questions below to make sure you are a good fit for Business Education/Support, which CIC offers in partnership with the AZNavigator Program.

Please note that the fields in this section are for reporting purposes only, as required by AZNavigator. Your responses will be kept private and secure. The information will not be used for any discriminatory purpose.

Click here to learn more about Business Education with CIC.

CIC offers the following services to small businesses in Arizona:

• Business Technical Assistance: CIC offers one-on-one guidance to help small business owners gather their information and check every item needed for loan applications that are often complex and difficult to complete.
• Business Counseling: CIC offers one-on-one mentoring to help your small business grow. Topics we can help with include preparing for a loan, access to capital, and scaling your business.
• Financial Literacy: CIC offers workshops and coaching for topics like preparing business financials or learning how loans work.

Demographic Information

Please note that the fields in this form are for reporting purposes only. Your responses will be kept private and secure. The information will not be used for a discriminatory purpose.

Almost there! Please click Next to provide us your contact info.

Tell us more about yourself!

Please answer the questions below to get in touch with CIC. Note: If you would like to receive a link of your form to complete at a later time, please click "Save & Continue Later."

Please note: You will be sharing your business story with us in Step Two of your application. We ask that you save those details for Step Two.

Click here to preview the questions you will answer in Step Two.