Question 1

How fast can a Arizona business get funded?

Accepted Answer

Most approved Arizona applicants receive funds within 24 hours of submitting complete documentation, typically four months of business bank statements. Some same-day funding is possible for straightforward files. There's no in-person appraisal or lengthy underwriting committee — a funding specialist reviews deposits and cash flow directly and can often give a decision the same day the application is submitted.

Question 2

What credit score is needed to qualify in Arizona?

Accepted Answer

A personal FICO score of 500 or higher is generally sufficient, since approval is based primarily on business cash flow rather than credit alone. We look at average monthly deposits of $15,000 or more and at least 6 months in business. Businesses with past credit challenges, tax liens, or even an open bankruptcy may still qualify depending on current deposit activity.

Question 3

Which Arizona industries does Valhalla fund?

Accepted Answer

We fund most Arizona industries, with particular experience in construction, tourism and hospitality, and healthcare, along with restaurants, retail, trucking, healthcare practices, and general contractors. Industries considered higher risk by banks — including seasonal or cash-heavy businesses — are evaluated on actual deposit history rather than excluded outright.

Question 4

Are there upfront fees to apply for funding in Arizona?

Accepted Answer

No. There are no upfront fees to apply, and no cost to have your bank statements reviewed for an offer. Valhalla is a direct funder, not a broker, so there's no fee for shopping the file to outside lenders. Any fees associated with a funding offer are disclosed clearly in the contract before you sign, with nothing charged simply to apply or get approved.

Miami headquarters. Fifty states funded.

Cities we fund heavily.

Miami, Florida

Fort Lauderdale, Florida

Tampa, Florida

Orlando, Florida

Jacksonville, Florida

West Palm Beach, Florida

Boca Raton, Florida

Hialeah, Florida

Doral, Florida

New York City, New York

Los Angeles, California

Chicago, Illinois

Houston, Texas

Dallas, Texas

Atlanta, Georgia

Phoenix, Arizona

Philadelphia, Pennsylvania

San Diego, California

Boston, Massachusetts

Seattle, Washington

Las Vegas, Nevada

Denver, Colorado

Charlotte, North Carolina

San Antonio, Texas

Every state, every legal industry.

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Ohio

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