Valley Bank of Nevada

This is a commercial bank offering SBA lending services, business banking, and financial guidance tailored for small businesses in North Las Vegas.

It's recommended to schedule an appointment to ensure dedicated time with a banking specialist, but walk-ins are also welcome during business hours.

Valley Bank of Nevada operates Monday through Friday from 9:00 AM to 5:00 PM. Please confirm with the bank for any extended appointment hours or holiday closures.

There may be fees associated with certain banking services and loan processing, which will be disclosed during your consultation.

This bank primarily serves small business owners and entrepreneurs in the North Las Vegas area, but eligibility depends on meeting specific lending criteria.

A minimum personal credit score of 640 is generally preferred, though higher scores improve approval chances.

The underwriting process typically takes between 30 to 45 days, depending on the complexity of the loan and completeness of documentation.

Most banks keep weekday business hours and are closed on weekends, and Valley Bank of Nevada typically follows the same pattern. SBA lending staff are generally reachable Monday through Friday. A few locations offer Saturday or by-appointment hours, so call Valley Bank of Nevada to confirm current weekend availability before you go.

Valley Bank of Nevada is located in Nevada — see the contact card for the full address. Most bank locations offer free on-site or nearby street parking for visitors. For exact directions, the entrance, and accessible parking, use the listed address or call ahead and staff can point you to visitor spaces.

This page is an independent directory listing for Valley Bank of Nevada, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Valley Bank of Nevada itself, which runs its own lending under its own ownership. If you work at Valley Bank of Nevada, you can claim this listing from this page to manage it.

The core details for Valley Bank of Nevada — name, location, contact, and lender type — are compiled from public records and reviewed periodically. Rates, programs, credit policies, and hours change often and are not guaranteed here, so always confirm the latest terms directly with Valley Bank of Nevada before applying. If you represent Valley Bank of Nevada, claim this listing to keep its information up to date.

You can reach Valley Bank of Nevada by phone at (702) 259-2658 or online at valleybanknv.com — the details are in the contact card on this page. For SBA loans specifically, ask for their business lending or SBA department. Treat this directory page as a starting point and confirm hours and contact details with Valley Bank of Nevada before relying on them.

Based on its approved SBA loans, Valley Bank of Nevada most often finances businesses in construction & contractors and medical practices & clinics. This reflects Valley Bank of Nevada's real SBA 7(a) and 504 lending history rather than a stated policy — it can still consider other industries and sets its own current preferences, so confirm with Valley Bank of Nevada which sectors it actively lends to before you apply.

SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether Valley Bank of Nevada participates in SBA Express depends on its specific SBA lending authority. Contact Valley Bank of Nevada and ask if it offers SBA Express and what the current limits and terms look like for your situation.

SBA Preferred Lender Program (PLP) status lets a lender approve loans in-house without sending each one to the SBA first, which usually means faster decisions. Many established banks hold PLP status, but it varies by institution. Valley Bank of Nevada can confirm its current PLP standing — ask before you apply if speed matters to you.

The SBA does fund start-ups, but many traditional lenders prefer at least two years of operating history and may ask newer ventures for a larger equity injection or stronger collateral. Valley Bank of Nevada's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Valley Bank of Nevada directly whether it considers start-up loans.

For SBA 7(a) and 504 commercial real estate loans, borrowers typically contribute around 10% to 20% as a down payment or equity injection, depending on the property and the deal. Exact requirements vary with your credit, the business, and the lender's policy. Ask Valley Bank of Nevada what down payment it expects for your specific commercial real estate purchase.

SBA 7(a) loans with terms under 15 years generally carry no prepayment penalty, while longer real estate loans can have one in the early years. Short-term working capital lines often have no penalty, but terms vary by lender. Review your loan agreement and ask Valley Bank of Nevada to spell out any prepayment penalties before you sign.

SBA loans can be used for a partner or owner buyout, including buying out an existing equity partner, when the deal is structured to meet SBA rules — for example, the remaining owner generally must stay actively involved. Approval depends on the specifics, so discuss your buyout plan with Valley Bank of Nevada to confirm it qualifies and how to document it.

A past personal bankruptcy does not automatically disqualify you from an SBA loan. Lenders look at how long ago it was discharged, the circumstances, and how your credit has recovered since. Valley Bank of Nevada weighs this case by case under its own policy, so be upfront about your history and ask Valley Bank of Nevada how it evaluates prior bankruptcies.