More than 99 percent of Arizona's businesses are considered small, with more than 40 percent of Arizona employees working for small businesses, according to the U.S. Small Business Administration.
A study by Civic Economics found that when $100 is spent at a locally-owned business, that business puts $47 back into the local economy while the total is just $13 for non-local businesses.
Licenses set to expire during week ending January 2
| License Holder | License Type | Lapse Date | Issued Date |
|---|---|---|---|
| Adcom Group, Inc., Phoenix, AZ Branch | Mortgage Broker | 12/31/2020 | 06/01/2020 |
| American 1st Partners, Phoenix, AZ Branch | Mortgage Broker | 12/31/2020 | 07/10/2020 |
| Arizona Valley Lending, LLC | Mortgage Broker | 12/31/2020 | 02/11/2013 |
| Cardinal Financial Company, Limited Partnership, Phoenix, AZ Branch | Mortgage Banker | 12/31/2020 | 08/25/2020 |
| Christian Galvez | Dispensing Optician | 12/31/2020 | 04/02/2018 |
| Commonwealth Equity, LLC | Mortgage Broker | 12/31/2020 | 10/07/2003 |
| Crest Mortgage, Inc., Phoenix, AZ Branch | Mortgage Broker | 12/31/2020 | 05/15/2019 |
| Define Mortgage Solutions, LLC, Phoenix, AZ Branch | Mortgage Banker | 12/31/2020 | 07/30/2018 |
| Dignified Home Loans, LLC, Phoenix, AZ Branch | Mortgage Banker | 12/31/2020 | 05/21/2019 |
| Don Berner | Dispensing Optician | 12/31/2020 | 06/05/2019 |
| Garibay Financial, LLC | Mortgage Broker | 12/31/2020 | 04/17/2020 |
| Gretchen M. Cattren | Dispensing Optician | 12/31/2020 | 03/27/2012 |
| Jalena C. Ruiz | Dispensing Optician | 12/31/2020 | 09/29/2014 |
| KBHS Home Loans, LLC, Phoenix, AZ Branch | Mortgage Banker | 12/31/2020 | 02/13/2017 |
| Krystal L. Donaldson | Dispensing Optician | 12/31/2020 | 02/04/2015 |
| Lend Smart Mortgage, LLC, Phoenix, AZ Branch | Mortgage Banker | 12/31/2020 | 03/27/2014 |
| Melanie A. Kerley | Dispensing Optician | 12/31/2020 | 03/14/2016 |
| Neil Gena | Dispensing Optician | 12/31/2020 | 05/19/2003 |
| Price Mortgage, LLC, Phoenix, AZ Branch | Mortgage Broker | 12/31/2020 | 08/20/2019 |
| Randy MacK | Dispensing Optician | 12/31/2020 | 03/15/2012 |
| Terrill Outsourcing Group, LLC, Phoenix, AZ Branch | Collection Agency | 12/31/2020 | 03/18/2020 |
| Victor S. Cheng Jr. | Dispensing Optician | 12/31/2020 | 09/10/2013 |