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 Q4
| License Holder | License Type | Lapse Date | Issued Date |
|---|---|---|---|
| Kohei Tamagawa | Athletic Trainer | 10/06/2020 | 10/07/2019 |
| Samantha Nicole Truscott | Occupational Therapy Assistant | 10/16/2020 | 10/17/2018 |
| Ruby Lew | Optometrist | 10/25/2020 | 01/31/2006 |
| Guramritpal S. Dhott | Optometrist | 10/26/2020 | 06/20/2014 |
| Daniel James Gaughan | Psychologist | 10/31/2020 | 12/03/1977 |
| David C. Kiepe | Certified Residential Appraiser | 10/31/2020 | 10/09/2008 |
| Julio Armando Ramirez | Psychologist | 10/31/2020 | 02/12/2003 |
| Kristen Kathleen Robaina | Psychologist | 10/31/2020 | 07/30/2007 |
| Laurel E. Reed | Psychologist | 10/31/2020 | 04/06/2018 |
| Robert A. Heiner | Licensed Residential Appraiser | 10/31/2020 | 10/19/1998 |
| Robert A. Schneiter | Certified Residential Appraiser | 10/31/2020 | 10/20/1998 |
| Sherry C. Tackett L.AC. | Acupuncturist | 10/31/2020 | 10/22/2014 |
| Thomas J. Selby | Psychologist | 10/31/2020 | 11/17/1989 |
| Continental Exchange Solutions, Inc., Phoenix AZ Branch | Money Transmitter | 11/01/2020 | 09/13/2016 |
| Kimberly L. Cunningham | Optometrist | 11/10/2020 | 03/26/2014 |
| Vincent D. Van Houten | Optometrist | 11/14/2020 | 07/26/2010 |
| Theresa M. Perry | Occupational Therapist | 11/20/2020 | 11/21/2016 |
| Celine N. Gabai | Optometrist | 11/28/2020 | 06/28/2017 |
| Brianne J. Butcher | Psychologist | 11/30/2020 | 10/07/2011 |
| Charles K. Heiner | Certified Residential Appraiser | 11/30/2020 | 11/10/1994 |
| Christopher R. Booth | Psychologist | 11/30/2020 | 03/11/2014 |
| Lori Elizabeth True | Acupuncturist | 11/30/2020 | 11/21/2019 |
| Michael S. Lavoie | Psychologist | 11/30/2020 | 03/18/2003 |
| Marco Carrillo | Barber | 12/23/2020 | 02/24/2016 |
| Academy Mortgage Corporation, Phoenix, AZ Branch | Mortgage Banker | 12/31/2020 | 07/18/2017 |
| American Nationwide Mortgage Company, Inc., Phoenix, AZ Branch | Mortgage Banker | 12/31/2020 | 05/09/2018 |
| Arden Trust Company Phoenix AZ Branch | Trust Company | 12/31/2020 | -- |
| Arizona Heart Foundation School of Cardiac & Vascular Ultrasound | Accredited Vocational and Degree | 12/31/2020 | 12/10/1986 |
| Ark Financial Services. , LLC | Collection Agency | 12/31/2020 | 11/14/2016 |
| Autumn Stone | Dispensing Optician | 12/31/2020 | 03/06/2013 |
| Bruce Rollins Francis | Commercial Mortgage Broker | 12/31/2020 | 01/12/2012 |
| Caliber Home Loans, Inc., Phoenix, AZ Branch | Mortgage Banker | 12/31/2020 | 10/26/2016 |
| Canopy Mortgage, LLC, Phoenix, AZ Branch | Mortgage Broker | 12/31/2020 | 09/25/2015 |
| Canopy Mortgage, LLC, Phoenix, AZ Branch | Mortgage Broker | 12/31/2020 | 05/03/2016 |
| CBRE Capital Markets, Inc., Phoenix, AZ Branch | Mortgage Banker | 12/31/2020 | 06/24/2009 |
| Celebrity Home Loans, LLC, Phoenix, AZ Branch | Mortgage Banker | 12/31/2020 | 06/29/2020 |
| Civic Financial Services, LLC, Phoenix, AZ Branch | Mortgage Broker | 12/31/2020 | 01/21/2015 |
| Clifford J. Cutler, Ltd. | Commercial Mortgage Broker | 12/31/2020 | 12/29/2011 |
| CMG Mortgage, Inc., Phoenix, AZ Branch | Mortgage Banker | 12/31/2020 | 04/10/2019 |
| Colene Leanne Gammons | Dispensing Optician | 12/31/2020 | 03/20/2001 |
| Colliers International Mortgage Advisory, LLC | Commercial Mortgage Banker | 12/31/2020 | 10/12/2017 |
| Commerce Home Mortgage, LLC, Phoenix, AZ Branch | Mortgage Banker | 12/31/2020 | 07/18/2018 |
| Cstone Mortgage, Inc., Phoenix, AZ Branch | Mortgage Banker | 12/31/2020 | 01/09/2019 |
| Cushman Wakefield of Arizona, Inc. | Commercial Mortgage Broker | 12/31/2020 | 02/19/2015 |
| Darren Rosenthal | Dispensing Optician | 12/31/2020 | 11/15/2007 |
| Define Mortgage Solutions, LLC, Phoenix, AZ Branch | Mortgage Banker | 12/31/2020 | 07/27/2018 |
| Desert Springs Mortgage, LLC | Mortgage Broker | 12/31/2020 | 09/09/2011 |
| Directors Mortgage, Inc., Phoenix, AZ Branch | Mortgage Banker | 12/31/2020 | 05/19/2017 |
| Eric Biscoglio | Psychologist | 12/31/2020 | 08/04/2016 |
| Fairway Independent Mortgage Corporation, Phoenix, AZ Branch | Mortgage Banker | 12/31/2020 | 11/02/2015 |
| Fairway Independent Mortgage Corporation, Phoenix, AZ Branch | Mortgage Banker | 12/31/2020 | 10/24/2016 |
| Fairway Independent Mortgage Corporation, Phoenix, AZ Branch | Mortgage Banker | 12/31/2020 | 07/27/2017 |
| Fairway Independent Mortgage Corporation, Phoenix, AZ Branch | Mortgage Banker | 12/31/2020 | 05/10/2019 |
| Fairway Independent Mortgage Corporation, Phoenix, AZ Branch | Mortgage Banker | 12/31/2020 | 05/10/2019 |
| Fairway Independent Mortgage Corporation, Phoenix, AZ Branch | Mortgage Banker | 12/31/2020 | 07/10/2019 |
| FBC Mortgage, LLC, Phoenix, AZ Branch | Mortgage Banker | 12/31/2020 | 04/24/2015 |
| FBC Mortgage, LLC, Phoenix, AZ Branch | Mortgage Banker | 12/31/2020 | 05/05/2017 |
| Finance of America Mortgage, LLC, Phoenix, AZ Branch | Mortgage Banker | 12/31/2020 | 11/17/2015 |
| First Liberty Home Mortgage, LLC | Mortgage Broker | 12/31/2020 | 02/10/2010 |
| First Option Mortgage, LLC, Phoenix, AZ Branch | Mortgage Banker | 12/31/2020 | 05/21/2009 |
| Franklin Mortgage Company | Mortgage Banker | 12/31/2020 | 07/05/1990 |
| Freedom Mortgage Corporation, Phoenix, AZ Branch | Mortgage Banker | 12/31/2020 | 01/30/2017 |
| Ganado Group, Inc. | Commercial Mortgage Broker | 12/31/2020 | 01/11/2012 |
| Gantry, Inc., Phoenix, AZ Branch | Commercial Mortgage Banker | 12/31/2020 | 07/18/2013 |
| Geneva Financial, LLC, Phoenix, AZ Branch | Mortgage Banker | 12/31/2020 | 05/20/2019 |
| Guaranteed Rate Affinity, LLC, Phoenix, AZ Branch | Mortgage Banker | 12/31/2020 | 05/08/2017 |
| Guild Mortgage Company, Phoenix, AZ Branch | Mortgage Banker | 12/31/2020 | 10/11/2016 |
| Holliday Corporation, Phoenix, AZ Branch, GP | Commercial Mortgage Banker | 12/31/2020 | 11/05/2018 |
| Homeowners Financial Group USA, LLC, Phoenix, AZ Branch | Mortgage Banker | 12/31/2020 | 10/11/2011 |
| Hub Resources, LLC | Mortgage Banker | 12/31/2020 | 11/22/2017 |
| Jay A. Josephs | Certified Residential Appraiser | 12/31/2020 | 12/11/1992 |
| Jo W. Bell | Dispensing Optician | 12/31/2020 | 11/28/1971 |
| Joanna Banuelos | Dispensing Optician | 12/31/2020 | 10/25/2016 |
| John R. Schneider | Certified General Appraiser | 12/31/2020 | 12/22/2006 |
| Jon Clark | Dispensing Optician | 12/31/2020 | 12/07/1975 |
| Jones Lang LaSalle Americas, Inc. | Commercial Mortgage Broker | 12/31/2020 | 04/15/2019 |
| Joyce D. Miller | Dispensing Optician | 12/31/2020 | 05/20/2014 |
| Julie Polaski | Mortgage Broker | 12/31/2020 | 02/05/2004 |
| LendingHome Funding Corporation, Phoenix, AZ Branch | Mortgage Banker | 12/31/2020 | 03/17/2014 |
| Linda Marie Powers | Dispensing Optician | 12/31/2020 | 03/18/2008 |
| Mann Mortgage, LLC, Phoenix, AZ Branch | Mortgage Banker | 12/31/2020 | 01/13/2017 |
| Marcus & Millichap Capital Corporation, Phoenix, AZ Branch | Mortgage Banker | 12/31/2020 | 01/20/2000 |
| Market Mortgage Capital, Inc. | Mortgage Broker | 12/31/2020 | 02/21/2018 |
| Mindful Money, LLC | Mortgage Broker | 12/31/2020 | 04/15/2019 |
| Mortgage Experts, Inc. | Mortgage Broker | 12/31/2020 | 01/30/2015 |
| Nickolas J. Graves | Certified General Appraiser | 12/31/2020 | 12/19/2014 |
| Nicole Ann Anderson | Dispensing Optician | 12/31/2020 | 03/13/2008 |
| NorthMarq Capital, LLC, Phoenix, AZ Branch | Commercial Mortgage Banker | 12/31/2020 | 05/09/2012 |
| OPM Real Estate, LLC | Commercial Mortgage Broker | 12/31/2020 | 03/18/2016 |
| Philip K. Clark | Dispensing Optician | 12/31/2020 | 12/13/1979 |
| PrimeLending, A PlainsCapital Company, Phoenix, AZ Branch | Mortgage Banker | 12/31/2020 | 05/14/2018 |
| Prostaff Mortgage Corporation | Mortgage Broker | 12/31/2020 | 06/18/2008 |
| Scott H. Covert | Dispensing Optician | 12/31/2020 | 03/07/2007 |
| Shannon D. Clinton | Dispensing Optician | 12/31/2020 | 03/27/2002 |
| Solutions Mortgage, LLC | Mortgage Broker | 12/31/2020 | 12/18/2013 |
| Stephen Delgado | Dispensing Optician | 12/31/2020 | 03/05/2014 |
| SWH Funding, LLC | Mortgage Banker | 12/31/2020 | 02/08/2017 |
| Taylor Street Capital Partners, LLC | Commercial Mortgage Broker | 12/31/2020 | 01/07/2017 |
| Watermark Capital, Inc., Phoenix, AZ Branch | Mortgage Banker | 12/31/2020 | 02/14/2018 |
| Wells Fargo Clearing Services, LLC, PHOENIX, AZ Branch | Mortgage Broker | 12/31/2020 | 05/22/2009 |
| Western Alliance Mortgage, LLC | Mortgage Broker | 12/31/2020 | 09/26/2018 |
| Weststar Mortgage Corporation, Phoenix, AZ Branch | Mortgage Banker | 12/31/2020 | 03/16/2012 |