Banner Bank
Banner Bank is an active SBA lender in Washington, a bank offering SBA-guaranteed small-business loans. Currently rated 2.9 stars across 30 Google reviews.
$1.2B
in SBA approvals since 2010
4,108
SBA loans funded
Construction & Contractors · Restaurants & Food Service · Manufacturing
Top industries financed
Source: U.S. SBA 7(a) & 504 FOIA loan-approval records (FY2010–present).
About Banner Bank
Banner Bank offers comprehensive SBA lending services tailored to support small businesses in securing funding for growth, working capital, and expansion. With a focus on personalized service, they assist clients through the SBA 7(a) loan program, providing flexible financing options for various business needs. Their experienced team guides borrowers from application to approval, ensuring a smooth process. Located in Walla Walla, WA, they serve local entrepreneurs and businesses seeking reliable financial solutions. The bank's expertise extends to supporting industries such as manufacturing, retail, healthcare, and more, making them a versatile partner for small business success. Whether you're a startup or an established business, Banner Bank aims to facilitate your growth with tailored loan programs and expert advice. Their commitment to community development and small business support underscores their role as a trusted financial partner in the region.
Serves SBA borrowers in 6 states
Banner Bank has funded SBA loans for businesses in these states, by borrower location. Tap a state to see every lender serving it.
Industries Banner Bank finances
Business types Banner Bank actively lends to, from its SBA loan history. Tap one to see every lender serving it.
Common questions about Banner Bank
What is this place and what can I find here?
This is a financial institution offering SBA loan programs and small business financing solutions. You can find information about loan options, application processes, and personalized support for your business needs.
Do I need an appointment or can I walk in?
It is recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins may be accommodated depending on availability.
What are the hours of operation?
Banner Bank's Walla Walla location has lobby hours Monday through Friday from 9:00 AM to 5:00 PM. Please confirm current hours directly with the branch.
Is there a fee to use this?
There are no fees for accessing general information, but loan processing and application fees may apply depending on the specific financing arrangement.
Who is this open to — anyone, or only residents/members?
This service is primarily available to small business owners within the region, but eligibility depends on meeting specific lending criteria.
What minimum personal credit score does this bank look for in a guarantor?
Typically, a minimum personal credit score of 650 is preferred, but higher scores improve approval chances.
How long does the traditional underwriting process take from start to close?
The underwriting process generally takes between 30 to 60 days, depending on the complexity of the loan application and completeness of documentation.
Is this open on weekends?
The lobby is closed on weekends, but the drive-through is open Saturday from 9:00 AM to 1:00 PM and closed Sunday. Contact Banner Bank to verify current weekend service.
How do I get there and where do I park?
Banner Bank is located in Washington — 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.
Who owns or operates this listing?
This page is an independent directory listing for Banner Bank, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Banner Bank itself, which runs its own lending under its own ownership. If you work at Banner Bank, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for Banner 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 Banner Bank before applying. If you represent Banner Bank, claim this listing to keep its information up to date.
How do I contact this listing directly?
You can reach Banner Bank's Walla Walla branch at (509) 527-6460 or email Gabriel.Balderas@bannerbank.com (Branch Manager). Confirm routing for SBA lending inquiries.
What core industries does this commercial bank traditionally choose to finance?
Based on its approved SBA loans, Banner Bank most often finances businesses in construction & contractors, restaurants & food service, general retail, manufacturing, medical practices & clinics, and transportation & trucking. This reflects Banner 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 Banner Bank which sectors it actively lends to before you apply.
Can I apply for an SBA Express line of credit at this branch?
SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether Banner Bank participates in SBA Express depends on its specific SBA lending authority. Contact Banner Bank and ask if it offers SBA Express and what the current limits and terms look like for your situation.
Does this bank have Preferred Lender Provider status with the government?
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. Banner Bank can confirm its current PLP standing — ask before you apply if speed matters to you.
Are start-up companies eligible for financing at this traditional institution?
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. Banner Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Banner Bank directly whether it considers start-up loans.
What are the typical down payment expectations for commercial real estate acquisitions?
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 Banner Bank what down payment it expects for your specific commercial real estate purchase.
Does this bank impose prepayment penalties on short-term working capital facilities?
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 Banner Bank to spell out any prepayment penalties before you sign.
Can I use loan proceeds from this bank to buy out an existing equity partner?
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 Banner Bank to confirm it qualifies and how to document it.
Will historical personal bankruptcies automatically disqualify my loan application here?
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. Banner Bank weighs this case by case under its own policy, so be upfront about your history and ask Banner Bank how it evaluates prior bankruptcies.
