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Rita Ranch Branch is Closed 12/8 – 12/10.

Funding That Moves Your Business Forward

Arizona business financing built for every stage of growth.

As a trusted business lender, Vantage West delivers competitive rates, flexible options, and local decision-making so you can invest in your business, keep growth a priority at any phase of maturity, and explore our services to find the funding that fits your business.

⭐ Don’t Miss: Business Credit Card low rates with cash back1 on every purchase!

Our Business Lending Solutions

Commercial Real Estate

Construction, owner-occupied, and investment property loans

Expert local guidance that makes a difference

Bottom Line: Fixed and variable rate that keep your business expansion in motion.

Business Credit Card

Credit with benefits

Flexible spending and repayment terms

Bottom Line: A reliable line of credit with low rates and no annual fee.

Commercial Vehicles & Equipment

Expand business capacity and productivity

Manageable monthly payments

Bottom Line: Outstanding rates, terms and services that start or expand your business muscle.

Lines of Credit

On demand working capital

Only pay for what you use

Competitive rates 

Bottom Line: A reliable source of funding to keep your a small business running.

Small Business Loans(SBA)

Longer repayment terms. Fixed & variable rates offered

Borrow up to 90% of your financing needs (preserves working capital)

Available for up to $350,000 (SBAExpress), and up to $500,000 (Patriot Express)

Bottom Line: Government-guaranteed loans to help qualified businesses obtain financing when they might not otherwise get funding through traditional lenders.

Business Installment

Equipment purchases or refinancing

Debt restructuring

Predictable payments

Bottom Line: Fixed rate loans with flexible terms up to 84 months.

Business Resources In Our Knowledge Center

How Else Can We Help? Let’s Make It Easy.

Want to talk in person?

Find a branch near you — we’d love to see you.

What Are Members Saying?

Check out how we’ve helped members like you in our Community & Member Stories.

Got questions For us?

Visit the Knowledge Center for helpful answers on saving, budgeting, and more.

Disclosures

All loans are subject to credit approval, satisfactory legal documentation, and regulatory compliance. Certain restrictions and fees may apply. Borrowers are responsible for any appraisal and environmental fees plus customary closing costs, including title, escrow, documentation fees and may be responsible for any fees including bridge loan, construction loan, and packaging fees. Programs, rates, restrictions, terms and conditions apply and are subject to change at any time. Rates can be variable or fixed, depending on type of loan product. Membership required.

1Cash Back rewards are tracked as points and each $1 in Cash Back rewards is equal to 100 points. Points can be redeemed for cash back, merchandise, gift cards, travel, and charitable donations. Must have a minimum 2,500 points for cash redemption. See Vantage West Rewards terms and conditions for details and restrictions of the program.

Certain loan requests above $100,000 may require additional documentation.  Please speak with your business banker about your specific loan request to determine what additional forms may be required.

Recent Alerts

Our Rita Ranch Branch is closed until Wednesday, ITMs are still available. Click Here for Nearby Locations.

We’re proud to bring you a new website that reflects the dedication to technology, information, and account management that serves our existing and prospective members!

Current Notifications

2026 Board Election

Members interested in running for a seat on our Board of Directors are invited to submit their application for nomination by December 31, 2025.

Important note about Website Safety

Stay informed about the latest scams and fraud tactics by visiting our online Fraud Watch page. If you have questions or suspect anything unusual, don’t hesitate to contact us. 

Card System Updates
Have a new card to activate?Call 1-800-631-3197.
Need to change your PIN?Call 1-888-886-0083.

Fraud Alert
Fraudulent activity continues to target our members through text messages, email, and phone calls. To keep your accounts safe, never click on unsolicited links or respond to suspicious texts, emails, or phone calls. Vantage West will NEVER ask for your one-time passcode, card number, PIN, or CVV number. 

Branch Updates
In branch debit card instant issue is currently unavailable.

Appointment Scheduling
Planning to visit a branch? Schedule an appointment online.