Small Business Funding in Yuma, AZ
Rockstone Lending is a small-business funding broker with a staffed office on W 20th St in Yuma.
- Local office on
W 20th St, Yuma - Broker that compares
partner options - Partners set rates
and terms
Rockstone Lending connects you with lending partners; partners make credit decisions and set rates and terms.
Serving businesses across Yuma County
Find the Funding Option That Fits Your Business
Working capital, a term loan, a line of credit, equipment financing or a merchant cash advance each work differently. We explain how each one is repaid and what partners review, in plain language.
Compare OptionsA Yuma office you can visit
We are at 360 W 20th St in Yuma. Talk through your options in person or by phone.
Contact & directionsBroker, not lender
We connect you with lending partners. The partner makes the credit decision and sets rates and terms, so you can compare before you sign.
Read our disclosuresFive funding types
Working capital, term loans, lines of credit, equipment financing and merchant cash advances, explained side by side.
Compare optionsPlain answers
No jargon: how each option is repaid, what partners usually review and what to check before you accept an offer.
Questions and answersWhat a Broker Does, and What It Doesn't
Rockstone Lending is a small-business funding broker in Yuma, Arizona, with a staffed office at 360 W 20th St. It helps Yuma County business owners explore working capital, term loans, lines of credit, equipment financing and merchant cash advances, then connects them with lending partners, who make credit decisions and set rates and terms. To start, call (928) 436-5545 or apply online.
A broker is not the source of the money. Rockstone Lending connects you with lending partners; partners make credit decisions and set rates and terms. Our part is to understand what your business needs, explain how the different funding types work, and put your request in front of partners that offer the kind of funding you are looking for.
That also means no one at Rockstone Lending can promise you an approval, an amount or a price before a partner has evaluated your business. If anyone makes that kind of promise up front, treat it as a reason to slow down. Read every offer and agreement in full, and ask questions before you sign. Our disclosures explain the relationship in detail, and you can see how the process works step by step.
Contact Us
Find Your Funding Solution Today
Rockstone Lending connects Yuma-area businesses with lending partners across five types of funding.
Working Capital
Cover payroll, inventory and seasonal gaps between receivables.
Business Term Loans
A lump sum repaid on a set schedule for expansion or larger purchases.
Business Line of Credit
Draw what you need, repay, and draw again within a limit the lender sets.
Equipment Financing
Loans and leases for kitchen lines, work vehicles, medical equipment and machinery.
Merchant Cash Advance
Not a loan: an advance against a share of future sales. Compare it carefully.
How It Works
What a funding broker does, step by step, and what partners usually ask for.
•Local to Yuma County3 Easy Steps to Start
From working capital to equipment financing, the process starts with one conversation. See how it works.
Call our Yuma office at (928) 436-5545 or visit us at 360 W 20th St.
1. Tell us about your business
Fill out the short form or call. Share what you need the funding for.
2. We connect you with partners
We review which funding types and lending partners may fit your situation.
3. A partner decides
The lending partner makes the credit decision and sets rates and terms. Review every offer before you sign.
Talk through your funding options
Call (928) 436-5545 or start an application online. Tell us what the money is for, and we'll talk through which options are worth exploring with lending partners.
Get StartedRockstone Lending connects you with lending partners; partners make credit decisions and set rates and terms.
All the Ways to Fund Your Business
From working capital to equipment, here is everything we can help Yuma County businesses explore with lending partners.
Not sure which option fits?
Try our free calculators.
Estimate payments and total cost from your own numbers before you talk to a lender.
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Estimate an equipment paymentMatch the Funding to the Need
The right kind of funding depends less on the amount than on what the money is for and how the business will pay it back. These patterns are a useful starting point:
- A short gap between paying bills and getting paid, such as payroll during a slow month or inventory ahead of a busy one, is the classic working capital need for Yuma businesses.
- A planned, one-time investment like a second location, a remodel or refinancing older debt usually points to a business term loan.
- Needs that keep coming back but are hard to time often suit a business line of credit you can draw on, repay and draw on again.
- A work truck, oven, lift or machine is usually better matched by equipment financing, a loan or lease secured by the equipment itself.
- Most of your sales come in through card terminals every day? A merchant cash advance may be worth comparing. It is not a loan, and its total cost can be high, so weigh it against loan options first.
For a side-by-side look at how repayment, typical uses and partner requirements differ, see our comparison of business loan options.
Contractors, restaurants and medical or dental practices can see how these options apply in their own field on our pages about financing for Yuma's key industries. If you have never applied for business funding before, start with our guide on how to get a business loan in Arizona.
Yuma County Business by the Numbers
Rockstone Lending is based in Yuma and handles business funding requests from across Yuma County by phone, online and at our office, for businesses in every Yuma County community. Our page on Yuma's business community covers the local economy, free resources for business owners and how to reach the office. Some owners like to sit down and talk through a funding decision in person; others would rat
Employer businesses
Establishments with paid employees in Yuma County.
Source: U.S. Census Bureau, County Business Patterns 2023Self-employed businesses
Yuma County businesses with no paid employees.
Source: U.S. Census Bureau, Nonemployer Statistics 2024Fewer than 5 employees
Share of Yuma County employer establishments with under five employees.
Source: U.S. Census Bureau, County Business Patterns 2023Build Funding Confidence Before You Apply
Plain-language guides on how each type of business funding works, what lending partners usually review, and what to check in an offer before you sign.
Rockstone Lending connects you with lending partners; partners make credit decisions and set rates and terms. See our Privacy Policy, Terms and SMS Terms.
Business Funding Questions
Is Rockstone Lending a lender?
No. Rockstone Lending is a broker. We connect you with lending partners; partners make credit decisions and set rates and terms. Our disclosures explain the relationship.
Is a merchant cash advance a loan?
No. With a merchant cash advance, a funder buys part of your future sales receipts in exchange for money now. It is not a loan and works differently from one. Read how merchant cash advances work.
What do I need to get started?
Basic details about you and your business: contact information, company name, time in business, annual revenue and the amount you are looking for. A lending partner may ask for more later, such as bank statements; our documents checklist lists what partners commonly request. See more answers in our business funding FAQ.
Does submitting an application mean I will be funded?
No. There is no guarantee of approval. Each lending partner makes its own decision and sets its own terms, and you decide whether to accept any offer.
Do you arrange personal, title or payday loans?
No. Rockstone Lending works only on business funding: working capital, term loans, lines of credit, equipment financing and merchant cash advances for businesses. We do not arrange personal, auto title or payday loans.
Question not on the list? Call (928) 436-5545 to talk it through with our Yuma office.