Topic: Financing

Frequently Asked Questions

To whom does PLFC provide business loans?

 PLFC provides loans to Gila River Indian Community members. Loans to business entities must be 51% controlled and owned by Community members to qualify.

What is the minimum and maximum amount one can borrow?

 The amount one can borrow will be determined by the financial capability of the business plan. Loans range from $400 to several million dollars.

How long are the loans for and what interest rate does PLFC charge?

 The terms and interest rate will vary based on the amount of the loan, source of repayment and the risk of the business proposition. Recently, PLFC has charged interest rates ranging from 3.5% to 8.%. The loans are primarily fixed rate loans.

Do I have to submit tax returns?

 Three years of personal or business tax returns may be required .

Does PLFC finance new cars and personal computers?

 PLFC does not provide personal loans for cars or computers. PLFC will finance all items approved in a business plan.

Does PLFC require collateral?

 PLFC does require collateral in most cases. The use of Community member’s property is considered collateral for PLFC loans.

Business Resources ARCHIVED

  • American Indian Chamber of Commerce of Arizona

The American Indian Chamber of Commerce of Arizona (AICCAz) was founded in 1995 and incorporated as a non-profit organization in 1996. The focus of the Chamber is to provide a format for American Indian entrepreneurs to promote their business, for corporations to connect with American Indian businesses, to act as a liaison on tribal economic development issues and to offer the best in resources, training and networking for the American Indian business. AICCAz offers our members the opportunity to exchange ideas and information with business owners throughout the state

  • National Center for American Indian Enterprise Development

The National Center is a non-profit organization, founded and directed by American Indians, committed to Business Development for Indian People. The National Center is the first national organization solely dedicated to developing American Indian economic self-sufficiency through business ownership.

  • National Congress of American Indians

Now as in the past, NCAI serves to secure for ourselves and our descendants the rights and benefits to which we are entitled; to enlighten the public toward the better understanding of the Indian people; to preserve rights under Indian treaties or agreements with the United States; and to promote the common welfare of the American Indians and Alaska Natives.

  • is your source to FIND and APPLY for federal government grants. The U.S. Department of Health and Human Services is proud to be the managing partner for, an initiative that is having an unparalleled impact on the grant community.

  • Small Business Administration

SBA programs and services support you, the small business person. Learn about SBA-backed loans, government contracting opportunities, disaster assistance and training programs to help your business succeed.

  • Small Business Development Centers

Provides assistance to anyone who owns, operates, or is starting a small business in Maricopa County. Our staff is knowledgeable business people whose goal is to help businesses to thrive here in Arizona. They have 8 centers around the county can provide you with no-cost and confidential business counseling to help you succeed in your business.

  • Central Arizona College Small Business Development Center (CAC SBDC)

The CAC Small Business Development Center (SBDC) provides management and marketing counseling to Pinal County firms with less than 200 employees. All counseling assistance is provided at no cost to the client. Central Arizona College and the US Small Business Administration (SBA) jointly fund your Center. Their mission is to help the businesses of Pinal County to succeed. One-on-one confidential counseling is our primary method of assisting clients.


Greater Phoenix SCORE provides free mentoring to small business owners and entrepreneurs, along with classes, seminars, and special events to benefit small businesses across the Valley. They have over 70 mentors, each with extensive business experience, ready to help you start up a business, grow your business, or work through difficult business management issues. We have experts in all functional areas and many different businesses. They are located near Thomas and Central in Phoenix as well as 25-plus locations all over the Phoenix metropolitan area.


Welcome to, the US Government’s one-stop virtual marketplace. Through this single point-of-entry, commercial vendors and government buyers are invited to post, search, monitor, and retrieve opportunities solicited by the entire Federal contracting community.

  • Native Learning Center

The Native Learning Center (NLC) offers free Training and Technical Assistance to Native Americans and those working within Indian Country. Their training promotes the essentials of The Native American Housing Assistance and Self Determination Act of 1996 (NAHASDA) for Tribal members and their communities.

  • Kauffman Foundation of Entrepreneurship

The Kauffman Foundation created as an online resource to help entrepreneurs grow great ideas. The site provides innovative educational tools and informative resources covering the latest issues and insights affecting entrepreneurs.

  • Bizcoach

Bizcoach hopes to assist owners with solid business advice, to resolve problems, increase productivity and improve profitability.

  • Gaebler Ventures, Resources for Entrepreneurs

Provides over 100,000 unique resources for entrepreneurs on this site. All original articles with new small business articles posted daily. Over 30,000 entrepreneurs visit our site every single day!

  • S. Patent & Trademark Office (USPTO)

The USPTO is the federal agency for granting U.S. patents and registering trademarks. The USPTO registers trademarks based on the commerce clause of the Constitution (Article I, Section 8, Clause 3). Under this system of protection, American industry has flourished.

  • Entrepreneur Magazine

Entrepreneur has been the premier guide for entrepreneurship and business ownership for 33 years connecting through books, magazines, online and at events.

  • Magazine

At you can find everything you need to know to start and grow your business. Publisher of Inc. magazine, which for more than 30 years has been the premier print publication for entrepreneurs and business owners.

  • Bizplan (fee to create a business plan)

Bizplan helps companies get funded. They have built a platform dedicated to helping businesses write a plan and get the funding they need to launch, operate and grow.

  • Palo Alto Software (fee to create a business plan)

Since 1988, Palo Alto Software has grown to a respected provider of small business tools worldwide with the single goal of helping other small businesses grow and become successful. They offer several software products and an extensive library of free expert content to help small businesses succeed.

How to Start a Business & Secure a Loan

  1. Call Pima Leasing & Financing Corporation (PLFC) to set up an initial meeting to discuss your business idea. For business or agricultural loans contact our Business Analyst, at (520) 796-2454.


  1. Over the next couple of months you will work with PLFC staff to build a business plan and financial model. During this time PLFC staff will provide as much input as you desire.


  1. PLFC requires certain documents as outlined in the Loan Document Checklist (link) and will work with you to complete your package.


  1. An individual’s credit report will not disqualify one for a loan and PLFC offers credit repair services. The Loan Rating Evaluation worksheet (link) will assist PLFC in determining the risk and basis for forwarding or not forwarding the loan request to the loan committee.


  1. Once approved for a loan, PLFC’s staff will work with you as much as you desire. Their experience may be helpful as you tackle the challenges presented in the market

Business Services Overview

Pima Leasing & Financing Corporation (PLFC) has established services that will assist Community members in starting and running new businesses, as well as expanding existing businesses. While providing the essential elements of a business plan, PLFC will assist Community Members in the development of a business plan. PLFC will also assist in the research of the proposed business, reviewing the business plan and forecasting the financial projections and results of operations, to present to the Loan Committee.

PLFC’s business loan process begins with a meeting to discuss your opportunity. Since everybody is starting with different skill sets and are attempting business opportunities with varying risks and challenges, there is no one business plan. The process of building a business plan and financial model can be time consuming and requires a great amount of patience. The Business Plan needs to convince the Loan Committee that the business is viable. This plan will also be a useful tool for communicating the goals and expectations of the business, setting objectives and monitoring milestones. A detailed plan is a proactive way of anticipating roadblocks and developing strategies to deal with them.

Business Plan Development Process

Give us a call and submit a Loan Intake Sheet (link) to be assigned a Business Analyst. Clients will meet with the Business Analyst for as long as it takes to complete the Business Plan. The client will have “homework” or research to complete with the assistance of a Business Analyst.

PLFC requires certain documents as outlined in the Loan Document Checklist (link) and will work with you to complete your package.

In your Preliminary Marketing Plan, questions that you need to consider:

  • What products or services will you sell?
  • Who will you sell to and at what quantity?
  • Where and how will you deliver?
  • What will be the costs to produce, sell and deliver?
  • How much will you charge?