Western Alliance Bank: SBA Lending Profile
Western Alliance Bank is an FDIC-insured bank, headquartered in Phoenix, AZ. It is active in 9 states, concentrated around CA, AZ, NV. Everything below comes from federal SBA loan records, not from the lender's marketing. This is what it has actually funded.
Loan sizes Western Alliance Bank actually approves
The median SBA approval at Western Alliance Bank is $693,100. The middle 80% of its loans fall between $100,000 and $2,742,680. The smallest approval on record since 2020 is $25,000 and the largest is $5,000,000. If the amount you need sits far outside that range, this is probably not the right first call, no matter what the website says.
Programs
| Program | Loans FY25-26 | Median size | Median rate | Median term |
|---|---|---|---|---|
| SBA 7(a) | 64 | $693K | 8.25% | 10 years |
| 504 first mortgage (third party) | 46 | $786K | n/a | 20 years |
Industries it funds most
| Industry | Loans since 2020 | Share |
|---|---|---|
| Full-Service Restaurants | 10 | 5.6% |
| Limited-Service Restaurants | 7 | 3.9% |
| Other Commercial and Industrial Machinery and Equipment Rental and Leasing | 7 | 3.9% |
| Offices of Lawyers | 6 | 3.4% |
| Landscaping Services | 6 | 3.4% |
| All Other Specialty Trade Contractors | 6 | 3.4% |
| Residential Property Managers | 5 | 2.8% |
| Other Miscellaneous Durable Goods Merchant Wholesalers | 5 | 2.8% |
| Gasoline Stations with Convenience Stores | 5 | 2.8% |
| Plumbing, Heating, and Air-Conditioning Contractors | 4 | 2.2% |
| Pet Care (except Veterinary) Services | 4 | 2.2% |
| Power and Communication Line and Related Structures Construction | 4 | 2.2% |
Conventional small business lending, beyond SBA
SBA loans are a fraction of most banks' small business lending. Under the Community Reinvestment Act, Western Alliance Bank reported 2,628 small business loan originations in 2024, totaling $347M, at an average of about $132K per loan across 28 states. 53.6% of those loans went to businesses with under $1M in annual revenue.
Borrower profile
- 33.1% of its recent SBA loans went to startups or businesses under two years old.
- Collateral was taken on 100% of its recent SBA loans.
- 29.2% of its SBA lending is revolving lines of credit rather than term loans.
- 11.8% of its loans carry fixed rates; the rest are variable.
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Sources and limits. Figures are derived from U.S. Small Business Administration 7(a) and 504 FOIA loan-level records (data as of 2026-06-30, retrieved 2026-08-08) and FDIC public institution data. Conventional small business lending figures from FFIEC CRA disclosure data (2024 activity year); CRA loan counts include business credit card originations at some institutions. They describe past lending activity only. They are not rate quotes, not current offers, and not an indication that any business will qualify. Lender programs and criteria change. Big Brain Funding is not affiliated with or endorsed by Western Alliance Bank.