Zions Bank, A Division of

This is a bank branch offering small business financing options, including SBA loans, with expert support to help entrepreneurs access capital for growth and operations.

Ask Zions Bank, A Division of directly — some branches take walk-ins, others book SBA conversations by appointment.

Hours vary by branch and change. Check Zions Bank, A Division of's website or call before you visit.

Browsing this directory is free. Any loan fees are set by Zions Bank, A Division of and the SBA program — ask the lender for its current schedule.

This bank primarily serves residents and small business owners within the region, though some services may be available to non-residents with appropriate documentation.

Many SBA lenders look for a personal score around 640 or higher, but each bank sets its own bar and it changes. Ask Zions Bank, A Division of what it looks for today.

The underwriting process typically takes 2 to 4 weeks, depending on the completeness of the application and supporting documentation.

Most bank SBA teams work weekdays; confirm with Zions Bank, A Division of before planning a weekend visit.

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

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

You can reach Zions Bank, A Division of by phone at (801) 844-7000 or online at www.zionsbank.com — the same details are in the contact card on this page.

Based on its approved SBA loans, Zions Bank, A Division of most often finances businesses in construction & contractors, manufacturing, medical practices & clinics, wholesale & distribution, general retail, and restaurants & food service. This reflects Zions Bank, A Division of'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 Zions Bank, A Division of 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 Zions Bank, A Division of participates in SBA Express depends on its specific SBA lending authority. Contact Zions Bank, A Division of and ask if it offers SBA Express and what the current limits and terms look like for your situation.

Whether Zions Bank, A Division of has SBA Preferred Lender (PLP) status is set by the SBA. Ask the bank directly; PLP lenders can approve in-house and often move faster.

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. Zions Bank, A Division of's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Zions Bank, A Division of 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 Zions Bank, A Division of 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 Zions Bank, A Division of 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 Zions Bank, A Division of 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. Zions Bank, A Division of weighs this case by case under its own policy, so be upfront about your history and ask Zions Bank, A Division of how it evaluates prior bankruptcies.