Alpine Bank

This is a trusted SBA lender offering small business financing solutions. You can find information about loan programs, application processes, and personalized support to help your business grow.

It's recommended to schedule an appointment to ensure dedicated time with a loan specialist, but walk-ins may be accommodated depending on availability.

Alpine Bank's Aspen Business Center operates Monday through Thursday 9:00 AM to 4:30 PM and Friday 9:00 AM to 5:00 PM. Please confirm current hours directly with Alpine Bank.

There are no fees to visit or inquire; however, loan applications may involve standard processing and closing costs.

This service is primarily available to small business owners and entrepreneurs within the region, though some programs may have broader eligibility criteria.

Typically, a minimum personal credit score of 640 is preferred, but specific requirements may vary based on the loan and borrower profile.

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

No, Alpine Bank's Aspen Business Center is closed on weekends. Please contact Alpine Bank to confirm weekend service options.

Alpine Bank is located in Colorado — 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 Alpine Bank, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Alpine Bank itself, which runs its own lending under its own ownership. If you work at Alpine Bank, you can claim this listing from this page to manage it.

The core details for Alpine Bank — 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 Alpine Bank before applying. If you represent Alpine Bank, claim this listing to keep its information up to date.

You can reach Alpine Bank by phone at (970) 945-2424 or online at alpinebank.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 Alpine Bank before relying on them.

Based on its approved SBA loans, Alpine Bank most often finances businesses in restaurants & food service and general retail. This reflects Alpine Bank'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 Alpine Bank 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 Alpine Bank participates in SBA Express depends on its specific SBA lending authority. Contact Alpine Bank 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. Alpine Bank 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. Alpine Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Alpine Bank 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 Alpine Bank 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 Alpine Bank 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 Alpine Bank 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. Alpine Bank weighs this case by case under its own policy, so be upfront about your history and ask Alpine Bank how it evaluates prior bankruptcies.