Our dedicated, knowledgeable bankers are entrepreneurial and understand the unique banking and financing needs of small businesses. Turn to us for expert solutions and focused attention so you can focus on growing your business.


Torrey Pines Bank has robust resources for small business – from checking that offers real value and loans and lines of credit designed for you to digital tools that help your business bank with ease. And it’s all delivered through a dedicated, experienced relationship manager committed to understanding your individual business and your unique goals.

All offers of credit are subject to credit approval.

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Grow Your Business with Focused Funding Solutions

Take advantage of our market-leading combination of capacity and client responsiveness with Torrey Pines Bank’s focused funding solutions for small businesses. We offer loans and lines up to $1 million—including a streamlined single-page application for loans up to $100,000—as well as a range of SBA-backed loans. Whatever your specific funding needs, your relationship manager will get to know your business personally and help tailor solutions that are right for you.

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Simplify Day-to-Day Banking with Business Checking

We designed Torrey Pines Bank’s Business Checking with your business in mind. This product comes with a VISA Business Debit Card and a minimum opening deposit of just $100. The monthly fee of $16 includes 200 transactions (debits, credits and deposits), and can be waived if you maintain a monthly daily balance of $2,500 or more.

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Manage Payables and Purchases with VISA Commercial Credit Cards

With no annual fee for the first year, a competitive annual percentage rate on purchases, and an attractive rewards plan, a VISA Commercial Credit Card from Torrey Pines Bank works hard for you. The card’s eZBusiness online tool adds to the benefits, making payables reporting and management for your small business easier than ever.

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Improve Efficiency with Innovative Digital Solutions

Of course, small business customers want dynamic mobile banking tools, and our Business Online Banking platform delivers. Benefit from unlimited online bill payments, online balance and wire transfers, mobile deposits, powerful reporting capabilities and more—all with no monthly or activation fees.

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Optimize Cash Flow with Sophisticated Treasury Management Tools

Make your working capital work for you. We can help your small business improve cash flow, minimize fees, streamline payments, and optimize cash balances and interest earned.

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I’ve recommended the bank to several of my clients for their banking needs. It’s a smart, strategic decision for the future of their business.”
Andy Lambert, ALGrowthStrategist
About Us

Torrey Pines Bank is a division of Western Alliance Bank, Member FDIC, the go-to bank for business in its growing markets. Founded in 2003, Torrey Pines Bank offers a full spectrum of loan, deposit and treasury management capabilities, plus superior service to meet the needs of local businesses. With nine offices throughout San Diego and Los Angeles, along with Western Alliance Bank’s powerful array of specialized financial services, the banking division is a valued resource for Southern California’s business, real estate, professional, municipal and nonprofit communities. Western Alliance Bank is the primary subsidiary of Phoenix-based Western Alliance Bancorporation. One of the country’s top-performing banking companies, Western Alliance ranks #2 on the Forbes 2018 “Best Banks in America” list.