First Western Trust Bank

This is a bank offering SBA loan programs and financial services for small businesses. You can find assistance with business loans, credit solutions, and personalized financial guidance tailored to your needs.

It is recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-in consultations may be available during business hours.

First Western Trust Bank's Denver location is open Monday through Friday, 8:00 AM to 5:00 PM. Please confirm current hours directly with the bank.

There are no fees for initial consultations; however, loan processing and closing may involve standard fees depending on the loan terms.

This bank primarily serves residents and businesses within its regional area, but they may accommodate out-of-area clients with specific needs.

A minimum personal credit score of around 640 is generally required for loan approval, though higher scores improve the chances of favorable terms.

The underwriting process typically takes between 30 to 60 days, depending on the complexity of the loan and completeness of the application.

Most banks keep weekday business hours and are closed on weekends, and First Western Trust Bank 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 First Western Trust Bank to confirm current weekend availability before you go.

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

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

You can reach First Western Trust Bank's Denver office by phone at (303) 531-8100, email DenverBanking@myfw.com, or visit myfw.com. For SBA loans specifically, contact the business lending department. Please confirm directly with the bank.

Like most SBA lenders, First Western Trust Bank can finance a broad range of small businesses — common categories include professional services, healthcare practices, restaurants and franchises, retail, light manufacturing, and commercial real estate. Each bank sets its own industry preferences and may avoid sectors it considers higher risk. Ask First Western Trust Bank directly which industries 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 First Western Trust Bank participates in SBA Express depends on its specific SBA lending authority. Contact First Western Trust 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. First Western Trust 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. First Western Trust Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask First Western Trust 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 First Western Trust 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 First Western Trust 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 First Western Trust 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. First Western Trust Bank weighs this case by case under its own policy, so be upfront about your history and ask First Western Trust Bank how it evaluates prior bankruptcies.