Pacific Alliance Bank
SBA 7(a) Lending Profile · FY 2021 analysis
Industry Focus
Top industries served by Pacific Alliance Bank
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 721110 | Hotels (except Casino Hotels) and Motels | 56 | $130.8M | $2.3M | 28.0% |
| 722511 | Full-Service Restaurants | 24 | $6.1M | $255K | 12.0% |
| 722513 | Limited-Service Restaurants | 24 | $34.2M | $1.4M | 12.0% |
| 445310 | Beer, Wine, and Liquor Stores | 16 | $14.1M | $883K | 8.0% |
| 812310 | Coin-Operated Laundries and Drycleaners | 16 | $25.5M | $1.6M | 8.0% |
| 423910 | Sporting and Recreational Goods and Supplies Merchant Wholesalers | 8 | $8.0M | $1.0M | 4.0% |
| 812112 | Beauty Salons | 8 | $3.6M | $455K | 4.0% |
| 561730 | Landscaping Services | 8 | $3.8M | $480K | 4.0% |
| 453991 | Tobacco Stores | 8 | $2.8M | $350K | 4.0% |
| 449210 | Other | 8 | $6.8M | $850K | 4.0% |
Geographic Distribution
SBA lending activity for Pacific Alliance Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| California (CA) | 200 | $303.1M | 100.0% |
Why Choose Pacific Alliance Bank?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 200 SBA loans approved, totaling $303.1M in financing
- ✓Industry Expertise: Specialized focus on Hotels (except Casino Hotels) and Motels, Full-Service Restaurants, Limited-Service Restaurants
- ✓Competitive Terms: Average interest rate of 6.17% with flexible term lengths averaging 228 months
- ✓Loan Range: Loan sizes from $150K to $5.0M, with an average of $1.5M
- ✓Nationwide Reach: Active lending in 1 states, with strong presence in CA
Note: Approval and terms are subject to SBA and lender requirements. This profile is based on historical data and does not guarantee future lending decisions.
Frequently Asked Questions
Common questions about Pacific Alliance Bank SBA lending
What types of businesses does Pacific Alliance Bank typically finance?
Pacific Alliance Bank specializes in SBA 7(a) lending to specific industries including hotels (except casino hotels) and motels, full-service restaurants, limited-service restaurants, beer, wine, and liquor stores. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Pacific Alliance Bank's typical SBA loan terms?
Pacific Alliance Bank's SBA 7(a) loans typically feature an average interest rate of 6.17% and average term length of 228 months (approximately 19 years). Loan sizes range from $150K to $5.0M, with an average loan size of $1.5M.
Do I need a business valuation for a Pacific Alliance Bank SBA loan?
Yes, Pacific Alliance Bank typically requires a professional business valuation for SBA loans over $250,000 or for change-of-ownership transactions. A certified valuation helps establish the purchase price, loan amount, and ensures SBA compliance. The valuation typically costs $5,000-$15,000 depending on business complexity.
How does Pacific Alliance Bank compare to other SBA lenders?
Pacific Alliance Bank has originated 200 SBA loans totaling $303.1M since 2020. They distinguish themselves through industry specialization and expertise in their focus sectors. Compare their rates and terms with other lenders in our Commercial Lending Directory.
What states does Pacific Alliance Bank lend in?
Pacific Alliance Bank provides SBA 7(a) financing with particularly strong presence in CA. Based on their lending history, they have experience with diverse state-specific business regulations and licensing requirements.
Research Your Target Industry Before Applying
Before applying for SBA financing, research your industry's typical loan sizes, approval rates, and specialized lenders. Understanding industry-specific financing patterns can help you find the right lender and strengthen your application.
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Professional valuations are often required for SBA loans over $250,000.
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