Lenders › Western Alliance Bank
7(a) lenderPhoenix, ArizonaFDIC-insured bank259th of 2,184 by approvals
Western Alliance Bank
SBA 7(a) loan approvals by fiscal year, where they went, how large they were, and how loans from earlier years turned out.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
Western Alliance Bank, based in Phoenix, Arizona, is an FDIC-insured bank in the SBA 7(a) program. SBA approved 134 of its 7(a) loans worth $150M in FY2021 to FY2025, which places it 259th of 2,184 active 7(a) lenders by number of approvals.
In FY2025, the latest complete fiscal year, it had 31 approvals totalling $30.7M, up 19% on FY2024 (26). FY2026 to 30 Jun 2026 adds 33 more.
The median approval was $706K, against $190K for the 7(a) program as a whole; 14.2% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 7 states and territories and 19 counties, led by California (33.6%), Nevada (31.3%) and Arizona (29.9%). The largest industry group was construction at 16.4% of approvals, and 11.2% of approvals were to franchise businesses.
Of 621 disbursed loans approved in FY2010 to FY2021, SBA records 23 as charged off (3.7%), 538 as paid in full and 60 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is below it.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Loans appear under the lender they are assigned to today, so a lender's figures include loans it took over. Data through 30 Jun 2026.
Approvals by fiscal year
| Fiscal year | Approvals | Dollars approved | Median approval | Average approval | Jobs supported, as reported |
|---|---|---|---|---|---|
| FY2026* | 33 | $33.9M | $697K | $1.0M | 528 |
| FY2025 | 31 | $30.7M | $624K | $991K | 982 |
| FY2024 | 26 | $31.2M | $798K | $1.2M | 783 |
| FY2023 | 30 | $24.1M | $399K | $803K | 894 |
| FY2022 | 13 | $19.5M | $920K | $1.5M | 288 |
| FY2021 | 34 | $44.8M | $882K | $1.3M | 504 |
| FY2020 | 31 | $20.3M | $200K | $654K | 668 |
| FY2019 | 65 | $21.7M | $100K | $334K | 551 |
| FY2018 | 98 | $32.1M | $100K | $328K | 786 |
| FY2017 | 47 | $24.7M | $150K | $525K | 626 |
| FY2016 | 47 | $33.3M | $410K | $709K | 969 |
Approvals are counted in the year SBA approved them and include approvals later cancelled. In the five fiscal years before the current window (FY2016–FY2020) the lender had 288 approvals. First approval on file: FY2010.
How earlier loans turned out
Only loans approved at least five fiscal years ago (FY2010–FY2021) are counted, because newer loans have had little time to be paid in full or charged off. "Charged off" is SBA's status for a loan on which it has written off the remaining balance.
| Loans approved FY2010–FY2021 | This lender | California | 7(a) program |
|---|---|---|---|
| Approvals in these years | 667 | 79,249 | 639,905 |
| Cancelled or never disbursed | 46 | 10,102 | 79,313 |
| Disbursed loans | 621 | 69,147 | 560,592 |
| Paid in full | 538 | 52,688 | 435,813 |
| Charged off | 23 | 4,430 | 36,891 |
| Still outstanding (status exempt from disclosure) | 60 | 12,029 | 87,888 |
| Charged off, share of disbursed loans | 3.7% | 6.4% | 6.6% |
| Dollars charged off, share of disbursed dollars | 1.0% | 1.5% | 2.5% |
| Dollars charged off | $4.0M | $565M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 31 | 12 | 0 | 0.0% | 2.8% |
| FY2020 | 26 | 21 | 0 | — | 4.0% |
| FY2019 | 63 | 49 | 5 | 7.9% | 6.7% |
| FY2018 | 93 | 82 | 7 | 7.5% | 7.9% |
| FY2017 | 45 | 36 | 4 | 8.9% | 7.7% |
| FY2016 | 44 | 39 | 0 | 0.0% | 7.2% |
| FY2015 | 56 | 54 | 0 | 0.0% | 6.9% |
| FY2014 | 59 | 55 | 0 | 0.0% | 6.4% |
| FY2013 | 62 | 55 | 3 | 4.8% | 6.0% |
| FY2012 | 54 | 51 | 0 | 0.0% | 6.3% |
| FY2011 | 56 | 53 | 3 | 5.4% | 6.9% |
| FY2010 | 32 | 31 | 1 | 3.1% | 9.2% |
A share is shown only where at least 30 loans from that year were disbursed.
Against the 7(a) program
| FY2021–FY2025 | This lender | 7(a) program |
|---|---|---|
| Median approval | $706K | $190K |
| Average approval | $1.1M | $518K |
| Approvals of $150,000 or less | 14.2% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 32.1% | 34.3% |
| Approvals to franchise businesses | 11.2% | 11.5% |
| Jobs supported per approval, as reported | 25.8 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 3.7% | 6.6% |
States served
| # | State of the business (7 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | California | 45 | $55.6M | 33.6% | |
| 2 | Nevada | 42 | $48.8M | 31.3% | |
| 3 | Arizona | 40 | $37.7M | 29.9% | |
| 4 | New York | 4 | $6.4M | 3.0% | |
| 5 | Oklahoma | 1 | — | 0.7% | |
| 6 | Florida | 1 | — | 0.7% | |
| 7 | Utah | 1 | — | 0.7% |
In California the lender accounts for 0.1% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (19 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Maricopa County, AZ | 32 | $25.9M | 23.9% | |
| 2 | Clark County, NV | 31 | $38.1M | 23.1% | |
| 3 | San Diego County, CA | 19 | $12.8M | 14.2% | |
| 4 | Washoe County, NV | 9 | $9.3M | 6.7% | |
| 5 | Santa Clara County, CA | 7 | $5.5M | 5.2% | |
| 6 | Alameda County, CA | 6 | $3.7M | 4.5% | |
| 7 | Orange County, CA | 4 | $12.9M | 3.0% | |
| 8 | Pima County, AZ | 4 | $9.9M | 3.0% | |
| 9 | Westchester County, NY | 4 | $6.4M | 3.0% | |
| 10 | San Francisco County, CA | 4 | $4.0M | 3.0% | |
| 11 | Los Angeles County, CA | 3 | $11.8M | 2.2% | |
| 12 | Yavapai County, AZ | 3 | $1.8M | 2.2% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 22 | 16.4% | |
| 2 | Professional, Scientific, and Technical Services | 18 | 13.4% | |
| 3 | Accommodation and Food Services | 17 | 12.7% | |
| 4 | Retail Trade | 14 | 10.4% | |
| 5 | Health Care and Social Assistance | 12 | 9.0% | |
| 6 | Wholesale Trade | 11 | 8.2% | |
| 7 | Administrative and Support and Waste Management and Remediation Services | 10 | 7.5% | |
| 8 | Real Estate and Rental and Leasing | 9 | 6.7% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 16 | 11.9% | |
| 2 | Services to Buildings and DwellingsNAICS 5617 | 8 | 6.0% | |
| 3 | Architectural, Engineering, and Related ServicesNAICS 5413 | 6 | 4.5% | |
| 4 | Legal ServicesNAICS 5411 | 5 | 3.7% | |
| 5 | Commercial and Industrial Machinery and Equipment Rental and LeasingNAICS 5324 | 5 | 3.7% | |
| 6 | Other Specialty Trade ContractorsNAICS 2389 | 5 | 3.7% | |
| 7 | Building Equipment ContractorsNAICS 2382 | 5 | 3.7% | |
| 8 | Beer, Wine, and Distilled Alcoholic Beverage Merchant WholesalersNAICS 4248 | 4 | 3.0% | |
| 9 | Gasoline StationsNAICS 4571 | 4 | 3.0% | |
| 10 | Building Finishing ContractorsNAICS 2383 | 4 | 3.0% |
Approval sizes
- $50,000 or less4.5%6
- $50,001 to $150,0009.7%13
- $150,001 to $350,00015.7%21
- $350,001 to $1 million35.8%48
- $1 million to $2 million17.9%24
- Over $2 million16.4%22
Loan terms
- Over 5 to 10 years64.9%87
- Over 10 to 20 years11.9%16
- Over 20 years23.1%31
Age of the businesses
- Existing, more than 2 years old49.3%66
- New business, 2 years or less29.1%39
- Startup, loan funds will open the business3.0%4
- Change of ownership18.7%25
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | Preferred Lenders Program | 94 | 70.1% | |
| 2 | SBA Express Program | 37 | 27.6% | |
| 3 | 7a General | 3 | 2.2% |
Franchise share
15 of 134 approvals in FY2021–FY2025 (11.2%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | Carl's Jr. | 2 | 1.5% | |
| 2 | Servpro | 2 | 1.5% | |
| 3 | Visiting Angels | 2 | 1.5% | |
| 4 | Round Table Pizza | 1 | 0.7% | |
| 5 | AM/PM Mini-Mart Agreement | 1 | 0.7% | |
| 6 | WaBa Grill | 1 | 0.7% | |
| 7 | Best Western | 1 | 0.7% | |
| 8 | Jackson Food Stores, Inc. | 1 | 0.7% |
Questions and answers
How many SBA loans does Western Alliance Bank make?
SBA approved 31 7(a) loans through Western Alliance Bank in FY2025, worth $30.7M, and 134 over FY2021 to FY2025. That ranks 259th of 2,184 active 7(a) lenders by number of approvals.
How large are Western Alliance Bank's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $706K and the average $1.1M. The program-wide median was $190K.
What is Western Alliance Bank's charge-off rate?
Of 621 disbursed loans approved in FY2010 to FY2021, SBA records 23 as charged off (3.7%), 538 as paid in full and 60 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is below it. Loans are listed under the lender that holds them today, so the figure includes loans taken over from other lenders. Status is as recorded by SBA on 30 Jun 2026.
Which industries does Western Alliance Bank lend to most?
By number of approvals in FY2021 to FY2025: restaurants and other eating places (16); services to buildings and dwellings (8); architectural, engineering, and related services (6); legal services (5).
Where does Western Alliance Bank make SBA loans?
In 7 states and territories. California 45, Nevada 42, Arizona 40, New York 4, Oklahoma 1. In California it accounts for 0.1% of all 7(a) approvals.
Is Western Alliance Bank's SBA lending rising?
Approvals in the three latest complete fiscal years total 87, against 78 in the three before: rising (+12%).
Where does this data come from?
From the Small Business Administration's 7(a) and 504 FOIA loan files, as of 30 Jun 2026. Borrower names and addresses in those files are discarded when the files are read and appear nowhere on this site.
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error