Solve Today. Succeed Tomorrow.

SBA Loans for Growing Businesses

As a long-standing SBA Preferred Lender, Western Alliance Bank can help your small business grow and evolve with a variety of smart products and services, including SBA loan* options just right for you.

Connect With an SBA Banker
A small business owner applying for an SBA Loan.

Why Choose Western Alliance for Your SBA Loan?

The experienced, dedicated small business bankers at our top-performing national commercial bank understand your needs and put customers first. With responsive, timely decision-making and state-of-the-art services, we help you solve today and continue to succeed tomorrow.

SBA Preferred Lender

Being an SBA Preferred Lender means we bring you proven expertise plus a streamlined, in-house process to deliver faster funding for your business.

Bank Wherever, Whenever You Want

Get the attention you and your business deserve. We offer nearly 60 locations for in-person service, plus 24/7 digital banking and access to a real person when that’s what you’re looking for.

Best Bank for Small and Medium-Sized Enterprises: Southwest U.S.

Global Finance named us to its 2026 Best SME Banks list,1  reflecting our reputation as a trusted national bank, offering comprehensive treasury management solutions.

Fraud Protection Services

Safeguard your money and your peace of mind with robust fraud protection, including Positive Pay and Reverse Positive Pay for checks and ACH transactions and ACH debit blocks. 

You’re the expert when it comes to your business. As your expert business bank, Western Alliance Bank connects you to innovative, flexible financing solutions from the U.S. Small Business Administration (SBA).1

Our small business lending specialists can help you analyze the benefits and requirements of each loan type. Here’s a quick comparison to get started.

Program
SBA 504 Loan1
SBA 7(a) Loan1
SBA Express Loan1
SBA MARC1
Who Qualifies
  • For-profit business that do not exceed $15 million in tangible net worth
  • Maximum tangible net worth of $20MM and two-year average net profit of not more than $6.5MM
  • Business must be 100% owned by US Citizens or US Nationals
  • For-profit business that meets SBA size standards
  • Maximum tangible net worth of $20MM and two-year average net profit of not more than $6.5MM
  • Business must be 100% owned by US Citizens or US Nationals
  • Same as 7(a)
  • Maximum tangible net worth of $20MM and two-year average net profit of not more than $6.5MM
  • Business must be 100% owned by US Citizens or US Nationals
  • Same as 7(a)
  • Eligible NAICS beginning with 31, 32 and 33
Funds Can Be Used For
  • Commercial real estate purchases
  • Building improvements
  • Equipment purchases
  • Ground up construction of new facilities
  • Commercial real estate purchases
  • Building improvements
  • Equipment purchases
  • Ground up construction of new facilities
  • Long-term and short-term working capital needs
  • Business acquisition
  • Partner buyout
  • Refinancing business debt
  • Tenant improvements
  • Same as 7(a)
  • Revolving line of credit offered
  • Working Capital Only
Benefit to Borrowers
  • Low down payment
  • Fees can be financed
  • Long-term financing
  • Improved cash flow
  • Fixed maturity
  • No balloon payments
  • Fast turnaround
  • Streamlined process
  • Easy-to-use line of credit
  • Projection-based cash flow
  • Flexible loan structures with interest-only periods
  • Access to capital for manufacturers
  • No balloon payments
  • No minimum required injection on term loans...Associated loan fees covered by borrower for LOC
Maximum Loan Amount
  • Bank Loan: $15,000,000
  • SBA Loan: $5,000,000
  • $5MM in aggregate SBA loans outstanding 
  • $500,000
  • $5,000,000 in aggregate
Collateral
  • Requires real estate and/or equipment being financed
  • Life insurance for a portion of the SBA loan
  • First position lien filing on all business assets
  • First position deed of trust on real estate (when applicable)
  • Deed of trust filing against personal real estate if there is a collateral shortfall
  • First position lien filing on all business assets for loans $50,001 to $500,000
  • UCC lien on all business assets
  • No personal assets required to be pledged
  • Personal Guarantees Required
Maturity
  • Equipment Purchases - up to 10 years
  • Real Estate Purchases - up to 25 years
  • Real Estate Transactions – up to 25 years
  • Non-Real Estate Transactions – Up to 10-years
  • Up to 10 years for revolving line of credit; otherwise, same as 7(a)
  • Up to 10 years revolving line of credit or 20-year fully amortizing term loans
Interest Rate
  • Bank Loan: Fixed and adjustable rate options available
  • SBA Loan: Fixed rate for life of the loan
  • Fixed rate for SBA loan established when the SBA funds the loan
  • Declining prepayment fee for 1/2 of term for SBA Loan
  • Fixed and adjustable rate options available with a maximum rate of Prime + 3.00% for most SBA 7(a) loans
  • Fixed (full term of loan or shorter durations) or variable options
  • Fixed (full term of loan or shorter durations) rate options up to 25 years
  • Adjustable Rate with a Maximum Rate of Prime + 6.50% for loans less than $350M
  • Adjustable Rate with a Maximum Rate of Prime + 3.00% for loans greater than $350M 
  • Adjustable rate with a maximum rate of Prime + 3.00%

Ready to Get Started? 

Connect with an SBA Banker today

Learn More About SBA Loans

Our experts dive deep to help you better understand three different SBA loan types. Whether you’re looking to finance a business acquisition, purchase your building, or fuel business growth with more people or new technologies and equipment, there’s a program for you.
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A New SBA Financing Option for Manufacturers: Understanding MARC Loans

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Understanding SBA Loans: A Closer Look at the SBA 504 Loan

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Small business owners receiving an SBA 7a loan

A Closer Look at the SBA 7(a) Loan Program: Financing for Business Acquisitions and More

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Making Small Business a Big Priority

Connect with an SBA Banker

Ready to take the next step? Apply online to explore your SBA loan opportunities. Our expert business bankers look forward to helping you achieve your goals with the right SBA financing, along with treasury management solutions geared to small businesses.

 

1. All offers of credit are subject to credit approval. Program information is subject to change based on updates from the Small Business Administration. Borrowers are responsible for any closing costs and bank fees, including but not limited to appraisal, environmental, title, escrow, documentation, and packaging fees. Interest Rates are subject to change..