Western Alliance Bank: SBA Lending Record

Western Alliance Bank holds 422 loans approved from FY2017 to FY2026, worth $296.3 million gross. 422 loans, all in 7(a), stand against Western Alliance Bank; none are 504. For 422 loans, SBA's record names Western Alliance Bank as the lender. 422 loans carry SBA's guarantee, not Western Alliance Bank's.

Western Alliance Bank: classes and states

Western Alliance Bank lists Full-service restaurant, 23, Limited-service restaurant, 13, Gas station and truck stop, 8, Automotive mechanical repair (car and truck), 7 and Dental office, 6 loans among its leading classes. The largest Western Alliance Bank group, 333 loans, fits no tracked class. Western Alliance Bank's states by loans run Nevada, 149, California, 129 and Arizona, 126.

Western Alliance Bank loans after approval

6.1% is the cancellation floor on Western Alliance Bank approvals from FY2017 to FY2024. Western Alliance Bank upper bound: withheld under Loan Analytics' rule. Western Alliance Bank gets neither zero nor an estimate. At Western Alliance Bank, 6.6% of 258 loans were charged off, a floor. The Western Alliance Bank cohort covers FY2017 to FY2021 disbursements. Western Alliance Bank cohort loans charged off within five years: 2.7%. Western Alliance Bank floors rise only as loans age.

Western Alliance Bank in a feasibility study

Western Alliance Bank lists 23 loans in the Full-service restaurant class. Western Alliance Bank study needs labour and food cost. 23 Full-service restaurant loans do not settle comparable sales. Western Alliance Bank study also needs occupancy cost. 13 loans of Western Alliance Bank fall in the Limited-service restaurant class. Western Alliance Bank study must prove labour and food cost. 13 Limited-service restaurant loans do not settle site traffic. Western Alliance Bank total of $296.3 million says nothing about any one site. 333 Western Alliance Bank loans fit no tracked class. Western Alliance Bank: the project must carry the case. Western Alliance Bank: 149 loans in Nevada, each site needs local evidence. Western Alliance Bank should be asked directly what it needs. Western Alliance Bank shows 422 loans, not demand at any one site. Western Alliance Bank totals trail supply near the site. Western Alliance Bank study revenue assumptions need written support. Western Alliance Bank request: build cost quoted, not assumed. Western Alliance Bank debt service needs a cautious revenue case.Support for value must come from an appraisal of the site, not from Western Alliance Bank totals. Western Alliance Bank study should state its downside case. Western Alliance Bank: assumptions stated, coverage tested, value supported. Western Alliance Bank carries $296.3 million in gross approvals on 422 loans. Western Alliance Bank equity belongs in the study.

Western Alliance Bank cancellation floors stop at FY2024 approvals. Western Alliance Bank totals add FY2025 and FY2026 approvals. Western Alliance Bank cohort: 258 loans disbursed in FY2017 to FY2021. Western Alliance Bank figures describe loans held, not lender practices. 422 loans cannot predict one new request to Western Alliance Bank. Western Alliance Bank withheld values are never zeros or estimates.