Western Alliance Bank

This is a financial institution offering SBA loan programs and business financing solutions designed to help small and medium-sized businesses grow and succeed.

It is recommended to schedule an appointment to meet with a lending specialist, but walk-ins may be accommodated depending on availability.

Western Alliance Bank's business hours are Monday through Friday from 6:00 a.m. to 6:00 p.m. PT. Please confirm current hours for SBA lending services directly with the bank.

There are no fees for accessing general information, but loan application fees and closing costs may apply depending on the loan terms.

This service is primarily available to small business owners and entrepreneurs within the bank's regional service area, though some programs may have broader eligibility.

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

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

Western Alliance Bank is open Saturdays from 8:00 a.m. to 2:00 p.m. PT. Confirm SBA lending availability on weekends directly with the bank.

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

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

You can reach Western Alliance Bank by phone at (602) 389-3500 or online at westernalliancebancorporation.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 Western Alliance Bank before relying on them.

Based on its approved SBA loans, Western Alliance Bank most often finances businesses in construction & contractors, medical practices & clinics, restaurants & food service, manufacturing, general retail, and legal services. This reflects Western Alliance 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 Western Alliance 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 Western Alliance Bank participates in SBA Express depends on its specific SBA lending authority. Contact Western Alliance 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. Western Alliance Bank can confirm its current PLP standing — ask before you apply if speed matters to you.

Western Alliance Bank offers Startup Banking services through its Innovation Banking division. Contact the bank directly for details on startup financing eligibility and programs.

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 Western Alliance 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 Western Alliance 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 Western Alliance 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. Western Alliance Bank weighs this case by case under its own policy, so be upfront about your history and ask Western Alliance Bank how it evaluates prior bankruptcies.