Zions Bank, A Division of
SBA 7(a) Lending Profile · FY 2024 analysis
Industry Focus
Top industries served by Zions Bank, A Division of
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722511 | Full-Service Restaurants | 664 | $284.9M | $429K | 2.7% |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors | 560 | $97.7M | $175K | 2.3% |
| 722515 | Snack and Nonalcoholic Beverage Bars | 560 | $163.3M | $292K | 2.3% |
| 713940 | Fitness and Recreational Sports Centers | 480 | $196.4M | $409K | 1.9% |
| 236118 | Residential Remodelers | 440 | $60.0M | $136K | 1.8% |
| 722513 | Limited-Service Restaurants | 432 | $256.9M | $595K | 1.7% |
| 561730 | Landscaping Services | 392 | $78.2M | $199K | 1.6% |
| 238210 | Electrical Contractors | 384 | $126.0M | $328K | 1.6% |
| 484110 | General Freight Trucking, Local | 384 | $84.2M | $219K | 1.6% |
| 621111 | Offices of Physicians (except Mental Health Specialists) | 360 | $141.3M | $393K | 1.5% |
Geographic Distribution
SBA lending activity for Zions Bank, A Division of by state
| State | Loans | Volume | Share |
|---|---|---|---|
| California (CA) | 3,696 | $1.73B | 14.9% |
| Utah (UT) | 6,504 | $1.55B | 26.3% |
| Texas (TX) | 4,080 | $1.25B | 16.5% |
| Nevada (NV) | 2,464 | $1.03B | 10.0% |
| Arizona (AZ) | 2,384 | $1.01B | 9.6% |
| Idaho (ID) | 3,400 | $614.7M | 13.7% |
| Colorado (CO) | 1,840 | $484.2M | 7.4% |
| Oregon (OR) | 88 | $57.6M | 0.4% |
| New Mexico (NM) | 136 | $46.3M | 0.5% |
| Wyoming (WY) | 72 | $7.6M | 0.3% |
| North Carolina (NC) | 8 | $5.2M | 0.0% |
| Tennessee (TN) | 8 | $3.8M | 0.0% |
| Washington (WA) | 32 | $3.7M | 0.1% |
| Montana (MT) | 8 | $3.2M | 0.0% |
| Georgia (GA) | 8 | $800K | 0.0% |
| Virginia (VA) | 8 | $400K | 0.0% |
Why Choose Zions Bank, A Division of?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 24,736 SBA loans approved, totaling $7.80B in financing
- ✓Industry Expertise: Specialized focus on Full-Service Restaurants, Plumbing, Heating, and Air-Conditioning Contractors, Snack and Nonalcoholic Beverage Bars
- ✓Competitive Terms: Average interest rate of 9.34% with flexible term lengths averaging 133 months
- ✓Loan Range: Loan sizes from $2K to $5.0M, with an average of $315K
- ✓Nationwide Reach: Active lending in 16 states, with strong presence in UT, TX, 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 Zions Bank, A Division of SBA lending
What types of businesses does Zions Bank, A Division of typically finance?
Zions Bank, A Division of specializes in SBA 7(a) lending to specific industries including full-service restaurants, plumbing, heating, and air-conditioning contractors, snack and nonalcoholic beverage bars, fitness and recreational sports centers. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Zions Bank, A Division of's typical SBA loan terms?
Zions Bank, A Division of's SBA 7(a) loans typically feature an average interest rate of 9.34% and average term length of 133 months (approximately 11 years). Loan sizes range from $2K to $5.0M, with an average loan size of $315K.
Do I need a business valuation for a Zions Bank, A Division of SBA loan?
Yes, Zions Bank, A Division of 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 Zions Bank, A Division of compare to other SBA lenders?
Zions Bank, A Division of has originated 24,736 SBA loans totaling $7.80B 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 Zions Bank, A Division of lend in?
Zions Bank, A Division of provides SBA 7(a) financing with particularly strong presence in UT, TX, CA, ID, NV. 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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