Western Alliance Bank: SBA business acquisition lending record
Western Alliance Bank (home state AZ) approved 48 SBA 7(a) loans to buy existing businesses since FY2018, totaling $49.7M. The median loan was $590,550. It ranks number 186 of 280 lenders by count and made 0.1% of all SBA acquisition loans nationally.
The purchase agreement decides what you bought, not the loan approval.
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What this tells a borrower
- Deal size it funds. Half of its acquisition loans fell between $233,600 and $1,463,775. If your deal sits well outside that band, this lender may be less practiced at it.
- Geographic reach. Arizona is the largest state (40% of loans). Loans appear in only 5 states, which points to a regional lender.
- Industry concentration. Finish Carpentry Contractors is 6% of its acquisition loans. The mix is spread across several industries.
- Overall 7(a) volume. 191 SBA 7(a) loans of any purpose since FY2020, totaling $205M. 65% of its acquisition loans were processed under the Preferred Lenders Program.
- Franchise share. 21% of its acquisition loans involved a franchise brand, against 18% for all lenders.
- Seasoned performance. Too few of its loans are old enough to measure a charge-off rate.
Western Alliance Bank acquisition loans by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 4 | $8M | $1,976,900 | |
| FY2019 | 2 | $1.1M | $564,500 | |
| FY2020 | 6 | $5.6M | $328,550 | |
| FY2021 | 4 | $1.1M | $215,750 | |
| FY2022 | 4 | $4.9M | $797,900 | |
| FY2023 | 2 | $774K | $387,200 | |
| FY2024 | 8 | $10M | $838,400 | |
| FY2025 | 7 | $8.3M | $624,000 | |
| FY2026 | 11 | $9.8M | $634,600 |
How often do these acquisition loans fail?
Fewer than 20 Western Alliance Bank acquisition loans are old enough to measure losses reliably, so no charge-off rate is shown. The benchmark across all SBA acquisition loans in the FY2018 to FY2021 cohort is 3.5% by count. Non-acquisition 7(a) loans (every other stated purpose) approved FY2018 to FY2021 charged off at 6.2%.
"Charged off" is the SBA's final loss action on a defaulted loan after collection efforts. It lags default by a year or more, which is why only older cohorts are measured. It is not the same as a delinquency rate, and loans still outstanding can still fail. See charge-off in the glossary.
Terms signed in the LOI shape the purchase agreement that follows.
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States served
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Arizona | 19 | 39.6% | $18.8M | |
| 2 | Nevada | 16 | 33.3% | $21.8M | |
| 3 | California | 10 | 20.8% | $7.2M | |
| 4 | Washington | 2 | 4.2% | $985K | |
| 5 | Oklahoma | 1 | 2.1% | $920K |
Industries financed
| # | Industry | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Finish Carpentry Contractors | 3 | 6.3% | $3.6M | |
| 2 | Limited-Service Restaurants | 3 | 6.3% | $3M | |
| 3 | Plumbing, Heating, and Air-Conditioning Contractors | 3 | 6.3% | $963K | |
| 4 | Landscaping Services | 3 | 6.3% | $766K | |
| 5 | Other Commercial and Industrial Machinery and Equipment Rental and Leasing | 2 | 4.2% | $4.3M | |
| 6 | Building Inspection Services | 2 | 4.2% | $2.7M | |
| 7 | Pet Care (except Veterinary) Services | 2 | 4.2% | $2.6M | |
| 8 | Locksmiths | 2 | 4.2% | $2.2M | |
| 9 | Medical, Dental, and Hospital Equipment and Supplies Merchant Wholesalers | 2 | 4.2% | $2M |
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Franchise brands financed
| # | Franchise | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Visiting Angels | 2 | 4.2% | $1.4M | |
| 2 | Signarama | 2 | 4.2% | $657K | |
| 3 | WaveMAX Laundry | 1 | 2.1% | $1.1M |
Questions buyers ask
Does Western Alliance Bank make SBA acquisition loans?
Yes. Western Alliance Bank approved 48 SBA 7(a) loans to buy existing businesses from FY2018 to FY2026, ranking number 186 of 280 lenders with 25 or more such loans. The SBA file shows past approvals only; it cannot tell you whether the lender will approve a particular buyer or deal.
How large are Western Alliance Bank's acquisition loans?
The median was $590,550, with the middle half between $233,600 and $1,463,775. The national median is $645,250, so this lender's typical loan is 8% lower than the national figure.
Which states does Western Alliance Bank lend in?
Arizona (19), Nevada (16), California (10), Washington (2), Oklahoma (1). Its loans appear in 5 states, so it is closer to a regional lender.
Which industries does Western Alliance Bank finance?
Finish Carpentry Contractors (3), Limited-Service Restaurants (3), Plumbing, Heating, and Air-Conditioning Contractors (3), Landscaping Services (3), Other Commercial and Industrial Machinery and Equipment Rental and Leasing (2). The top industry is 6% of its acquisition loans.
How have Western Alliance Bank's acquisition loans performed?
Fewer than 20 of this lender's loans are old enough to measure. The national benchmark is 3.5% for the FY2018 to FY2021 cohort.
That draft favors the seller. We review it for the buyer, line by line.
Submit Transaction DetailsAlex Lubyansky leads every engagement.
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Related
- Arizona acquisitions
- Nevada acquisitions
- California acquisitions
- Finish Carpentry Contractors
- Limited-Service Restaurants
- Plumbing, Heating, and Air-Conditioning Contractors
- All lenders
Figures are aggregates of public SBA data. This page is not provided or endorsed by Western Alliance Bank.