Business & working capital
Explore financing for day to day operations, growth, acquisitions, and opportunities that need a timely response.
WEST VALLEY FINANCE LLC · PHOENIX, AZ
Your business.
Our long term
commitment.
Capital opens doors. The right partner helps you decide which ones to walk through. Let’s build a financing strategy around your business and where you want to go.
BUSINESS FINANCING. BUILT ON RELATIONSHIPS.
United States · El Salvador
Now serving El Salvador
West Valley Finance has expanded to El Salvador. Contact our team to discuss your business or project and explore financing options.
MORE THAN A TRANSACTION
We start with your business.
Then we talk financing.
A rate and a term only tell part of the story.
Your cash flow, your next opportunity, your existing obligations, and your plans for growth all belong in the conversation. We take the time to understand the whole picture, then help you explore capital that fits.
From the first discussion through closing and the next chapter, our focus is a working relationship that goes beyond a single deal.
01 / UNDERSTAND
Your goals come first.
We listen to how your business operates and what you need to accomplish.
02 / STRUCTURE
A thoughtful capital strategy.
We look at funding sources, repayment, collateral, and how the pieces fit together.
03 / STAY CONNECTED
A partner for what’s next.
As your business evolves, we’re here to revisit the financing conversation.
FINANCING SOLUTIONS
Different needs.
The same personal attention.
Whether you’re investing in a property, expanding operations, or working through a complex transaction, start with the outcome you want to achieve.
Commercial real estate
Discuss the acquisition or refinance of income producing and owner occupied properties, including residential investment projects.
Construction & development
Bring the project, budget, and exit strategy together to explore a financing structure for your next build.
Asset based financing
Put the conversation around your business assets, including receivables, equipment, inventory, or real estate.
Bridge & short term capital
Explore interim financing when timing matters, with a clear discussion of costs, repayment, and the longer term plan.
Private capital & joint ventures
For more complex projects, discuss potential private funding relationships and structures aligned with the transaction.
Not sure where your financing need fits? That’s a good place to start a conversation.
Discuss your optionsA CLEAR PATH FORWARD
From understanding
to execution.
A real conversation
Tell us about your business, the opportunity, and what success looks like.
A closer look
We review your financial picture, capital needs, and available supporting documents.
A tailored direction
We explore appropriate funding sources and help you evaluate structure and trade offs.
Hands on coordination
We help move the process forward with documentation, communication, and closing coordination.
THE PEOPLE BEHIND THE PARTNERSHIP
Experience. Relationships.
A shared commitment.
Get to know the people who take the time to understand your business and help move your plans forward.
CHAIRMAN & CEO
Eddie R. James, MBA
Mortgage banking & capital relationships
Deep financing experience.
A practical understanding of your project.
Eddie R. James brings decades of mortgage banking experience to his role as Chairman and CEO of West Valley Finance. Following his service in the U.S. Air Force, he began his finance career servicing residential mortgage loans for a large savings and loan institution in California.
After returning to Arizona in 1990, Ed originated residential and commercial loans for brokers and financial institutions. His work across origination, processing, underwriting, and closing gave him a detailed understanding of how a transaction moves from an initial opportunity to a completed financing.
He holds a Master of Business Administration (MBA) and completed his graduate education at Golden Gate University while on active military duty. In 2006, he obtained an Arizona Mortgage Broker License and went on to manage a brokerage, building on experience with conventional, jumbo, and government insured loans. He also holds a commercial broker’s license.
Ed founded West Valley Finance in 2000 with a focus on business and commercial financing. Today, he helps evaluate financing structures, identify appropriate capital partners, and coordinate underwriting and closing. His experience helps clients anticipate lender questions, present their projects clearly, and understand the practical considerations behind financing options. He brings a hands on approach to the details that keep a transaction moving forward.
Director of Operations
Phillip Sin
Senior Partner · Strategic Business Development
Twenty years of relationships.
A broader perspective on business growth.
Phillip Sin has been part of West Valley Finance since 2006, helping business owners connect their goals with capital, practical strategy, and the right relationships. His work includes business consultation, financial review, due diligence, and preparing transactions for potential funding partners.
His perspective goes beyond financing. Through government partnerships, private sector collaboration, and a professional network built over two decades, Phillip helps businesses explore opportunities to strengthen operations and support long term growth.
As Director of Phoenix Masonry School, he works at the intersection of business, skilled trades education, and workforce development. He also serves with the Phoenix Workforce Coalition, contributing to workforce development efforts in Phoenix under Mayor Kate Gallego.
For clients, that means a partner who looks at the whole business: its people, its relationships, its opportunities, and the resources needed for its next chapter.
A conversation with us starts with understanding you.
Connect with our teamYOUR NEXT CHAPTER STARTS HERE
Tell us what
you’re building.
Have a financing need in mind? Share your business and project information through our online application. Our team can use it to begin a more informed conversation.
Start financing applicationA few short steps, tailored to your financing needs. No account required.
A little preparation goes a long way.
- 01Your business at a glance
Contact details, business activity, and time in operation.
- 02The capital you need
An estimated amount, intended use, and preferred timeline.
- 03The supporting picture
Relevant financials or property and project details, when available.
An application is an initial inquiry and does not guarantee financing or approval.
A FEW THINGS TO KNOW
Good questions.
Straightforward answers.
Need to discuss your situation?
Call 602 492 2746
What types of businesses do you work with?
We welcome conversations across manufacturing, wholesale, transportation, hospitality, service businesses, technology, healthcare, construction, agriculture, and retail. The right financing path depends on your business and transaction.
Do I need to know which loan to apply for?
No. Start with what you need the capital to accomplish. We can discuss your business, timing, and available information to help identify financing options worth exploring.
How quickly can financing be arranged?
Timing varies with the financing type, lender, transaction complexity, and completeness of your documents. Tell us your deadline early so we can discuss what may be realistic.
What documents will I need?
Requirements vary. Initial discussions may include business financials, bank statements, existing debt information, and property or project details. The team will clarify what is needed for your situation.
Is approval or a particular rate guaranteed?
No. Availability, terms, rates, and approval depend on the funding source, underwriting, and your specific circumstances. Any options discussed are subject to review.
Can I talk with someone before applying?
Absolutely. Consultations are free. Call us or request a consultation by email, and our team will coordinate a time with you.
LET’S START WITH A CONVERSATION
What’s next
for your business?
You bring the vision. Let’s talk about the capital to support it.
Consultations are always free. Email us your preferred times, and our team will confirm an appointment. The button opens your email app.
PHONE
- Main
- 602 492 2746
- Alternate
- 623 244 0394
- Toll free
- 888 416 6635
- Fax
- 623 244 0419
VISIT
6751 North Sunset Boulevard, #320
Glendale, Arizona 85305