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Zions Bank (UT)

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7a General
Change of Ownership
Existing or more than 2 years old
Export Express
Fixed Rates
# Loan Funds will Open Business
# New Business or 2 years or less
# Preferred Lenders Program
# Preferred Lenders with WCP
# SBA Express Program
# Startup
# Variable Rates
SBA Loan Approvals as of Fiscal Year End 2025 1,217
SBA Loans Total Approval Amount as of Fiscal Year End 2025 $239,535,900
Average SBA Loan Size as of Fiscal Year End 2025 $196,825
Average SBA Loan Rate over Prime (Prime is 6.75%) 3.05

Unlock Your Financial Potential with Zions Bank (UT)

Zions Bank, a division of Zions Bancorporation, N.A., is one of the most prominent regional banks in the Western United States and a top SBA lender nationwide. Headquartered in Utah, Zions Bank combines deep SBA expertise, industry-specific lending teams, and regional decision-making to help small businesses access capital for growth, acquisition, and long-term success.

With a strong footprint across Utah and the broader West, Zions Bank is a trusted partner for entrepreneurs seeking scalable financing solutions backed by the U.S. Small Business Administration.

Key Features of Zions Bank (UT)

  • Comprehensive Business Banking
    Zions Bank offers a full suite of business banking products, including:

    • Business checking & savings
    • Treasury management & cash-flow tools
    • Merchant services
    • ACH & wire services
    • Payroll and payables solutions
    • Commercial credit cards
  • Industry-Leading SBA Loan Expertise
    Zions Bank is consistently ranked among the top SBA 7(a) lenders in the U.S., offering:

    • SBA 7(a) loans
    • SBA 504 loans
    • SBA Express loans

    SBA financing can be used for:

    • Working capital
    • Business acquisition
    • Owner-occupied commercial real estate
    • Equipment purchases
    • Franchise financing
    • Partner buyouts
    • Expansion and renovations
  • Specialized Commercial Lending Teams
    Zions Bank provides tailored financing through dedicated industry groups, including:

    • Healthcare & medical practices
    • Technology & innovation
    • Manufacturing & distribution
    • Hospitality & restaurants
    • Real estate & construction
    • Professional services
  • Full Commercial Lending Platform
    Beyond SBA loans, Zions Bank offers:

    • Business lines of credit
    • Commercial real estate loans
    • Construction & development financing
    • Equipment financing
    • Asset-based lending
    • Treasury & liquidity management
  • Advanced Digital & Treasury Tools
    Business clients benefit from enterprise-grade tools such as:

    • Online & mobile business banking
    • Fraud prevention & Positive Pay
    • Receivables & payables automation
    • Cash concentration & reporting
    • Real-time account monitoring
  • Strong Regional & Community Commitment
    With deep roots in Utah and the West, Zions Bank supports economic development, small-business growth, and entrepreneurial ecosystems throughout the region.

Why Choose Zions Bank for SBA Loans?

Zions Bank stands out as a national SBA powerhouse with regional accessibility. Business owners benefit from:

  • One of the most experienced SBA lending teams in the country
  • Faster SBA processing through streamlined workflows
  • Competitive SBA rates and flexible structures
  • Ability to handle complex, multi-entity, and acquisition deals
  • Industry-specific underwriting expertise
  • Strong support for growing and acquisitive businesses

Whether you’re buying a business, expanding locations, refinancing debt, or purchasing owner-occupied real estate, Zions Bank delivers SBA-backed financing built for scale.

How to Get Started

Ready to explore SBA financing or commercial lending with Zions Bank? Visit the
Zions Bank Business Banking page
to review SBA loan options, check eligibility, and connect with a Utah-based SBA specialist.

Empower your financial future today with Zions Bank — where entrepreneurs gain national SBA expertise with regional decision-making and long-term partnership.

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