Lender · SBA 7(a) record
Zions Bank, A Division of
UT · lends in 20 states · 9,329 SBA loans since 2010, 2,599 in the last five years.
How fast they approve. Zions Bank, A Division of made 65% of its recent SBA 7(a) loans under Preferred Lender (PLP) authority — it can approve them in-house without sending your file to the SBA to re-underwrite, which is the biggest single driver of how fast a loan closes. Why approval speed comes down to the lender.
What stands out about Zions Bank, A Division of
vs every other SBA lenderZions Bank, A Division of lives at the small end. Its median loan is just $135k, well under the $347k typical of SBA lenders — one of the banks genuinely willing to write small.
Its practical minimum of $15k is lower than most lenders will go; it looks at loans others wave off as too small.
This read is built from 2,599 funded 7(a) loans over the last five fiscal years.
Will they talk to you?
loan sizes fundedThe spread of loan sizes tells you where this lender is comfortable. Ask for something far outside it and expect friction.
Do they fund businesses like yours?
last 5 yearsA lender who already knows your industry asks better questions and closes faster. One who doesn't will treat your file as an education.
Middle of the road on risk
1.72% charged off, close to the 2.11% across all SBA lending. Neither unusually tight nor unusually loose.
What rate people got
median markup over primeThe median borrower here paid prime + 2.65%. Compare that against what you have been quoted — the markup is the negotiable part, and most borrowers never try.
Their loans, year by year
cumulative % of dollars charged off| Approved | Yr 1 | Yr 2 | Yr 3 | Yr 4 | Yr 5 | Yr 6 | Yr 7 | Yr 8 | Yr 9 | Yr 10 |
|---|---|---|---|---|---|---|---|---|---|---|
| 2010 | 0.0 | 0.2 | 1.2 | 2.2 | 2.9 | 3.4 | 3.5 | 3.5 | 3.9 | 3.9 |
| 2011 | 0.0 | 0.2 | 0.6 | 1.4 | 2.5 | 2.7 | 3.0 | 3.0 | 3.3 | 3.3 |
| 2012 | 0.0 | 0.1 | 1.0 | 1.1 | 2.0 | 2.1 | 2.2 | 2.2 | 2.2 | 2.2 |
| 2013 | 0.0 | 0.4 | 0.4 | 0.6 | 0.9 | 1.2 | 1.3 | 1.3 | 1.3 | 1.5 |
| 2014 | 0.0 | 0.2 | 0.7 | 1.7 | 1.9 | 2.3 | 2.4 | 2.5 | 2.8 | 4.7 |
| 2015 | 0.0 | 0.4 | 0.9 | 1.4 | 2.0 | 3.3 | 3.5 | 3.6 | 3.6 | 3.6 |
| 2016 | 0.0 | 0.5 | 1.1 | 1.5 | 1.5 | 1.9 | 2.1 | 2.4 | 2.4 | · |
| 2017 | 0.0 | 0.1 | 0.9 | 1.6 | 1.8 | 1.9 | 1.9 | 2.6 | · | · |
| 2018 | 0.1 | 0.5 | 0.5 | 1.2 | 1.5 | 1.8 | 1.9 | · | · | · |
| 2019 | 0.1 | 0.1 | 0.2 | 0.5 | 0.7 | 1.2 | · | · | · | · |
| 2020 | 0.0 | 0.0 | 0.0 | 0.3 | 0.4 | · | · | · | · | · |
| 2021 | 0.0 | 0.2 | 0.3 | 0.4 | · | · | · | · | · | · |
| 2022 | 0.0 | 0.2 | 1.0 | · | · | · | · | · | · | · |
| 2023 | 0.0 | 0.0 | · | · | · | · | · | · | · | · |
| 2024 | 0.0 | · | · | · | · | · | · | · | · | · |
| 2025 | · | · | · | · | · | · | · | · | · | · |
| 2026 | · | · | · | · | · | · | · | · | · | · |
Each row is one year's lending. Read down a column to compare years at the same age — that is the only fair comparison, because losses take three to five years to appear and a fast-growing lender always looks clean on a raw average.
What this page cannot tell you
Federal records show what was approved, not how long it took, how the bank communicated, or whether your loan officer returned calls. Ask any lender directly: are you a preferred lender, how many deals like mine did you close last year, and who underwrites it.
Check your eligibility first → Decode what they say to you →
Lenders worth comparing against this one
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Common questions
Does Zions Bank, A Division of make SBA startup and acquisition loans?
Yes — its recent SBA 7(a) record includes 386 startups, 194 business acquisitions, 177 franchise loans, 154 commercial real-estate loans. If your deal is one of these, it has funded that kind of loan many times before. See how it ranks for your exact deal.
What is the smallest SBA loan Zions Bank, A Division of will make?
Its practical minimum — the 5th percentile of what it has actually funded — is about $15,000, and the typical (median) Zions Bank, A Division of loan is $134,900. If your loan is well below its practical minimum, it is unlikely to be interested however strong your file.
What interest rate do Zions Bank, A Division of SBA borrowers get?
On variable-rate loans, recent Zions Bank, A Division of borrowers paid a median of prime + 2.65%. The markup over prime is the negotiable part of any SBA quote. Check a rate you have been quoted.
What states does Zions Bank, A Division of lend in?
Most of Zions Bank, A Division of's recent SBA lending is concentrated in Utah, Texas, California, among 20 states in total. Compare lenders by state.