Searching for trusted Nevada SBA lenders to power your business growth? Our comprehensive directory connects Nevada entrepreneurs with approved SBA loan providers throughout Las Vegas, Reno, Henderson, Carson City and across the state. Whether you’re exploring SBA 7(a) loans, 504 loans, microloans, or disaster assistance, our list features the most active small business lenders with competitive rates and flexible terms for Nevada businesses. Discover which local banks, credit unions, and financial institutions participate in Small Business Administration lending programs, compare their requirements, and find the ideal financing partner to help your Nevada small business thrive in the Silver State’s dynamic economic landscape.
| Lender name | Location | Phone |
|---|---|---|
| America First Credit Union | Las Vegas, NV | 702-968-1512 |
| City National Bank | San Francisco, CA | 916-813-9551 |
| Clark County Credit Union | Henderson, NV | 702-939-3227 |
| DreamSpring | Albuquerque, NM | 800-508-7624 |
| DreamSpring | Las Vegas, NV | 702-673-6207 |
| DreamSpring | Las Vegas, NV | 702-673-6213 |
| East West Bank | Las Vegas , NV | 702-475-6111 |
| First Savings Bank | Henderson, NV | 702-990-5900 |
| First Security Bank of Nevada | Las Vegas, NV | 702-853-0900 |
| Genu Bank | Las Vegas, NV | 702-912-0700 |
| Harvest Small Business Finance | Reno, NV | 702-806-9371 |
| JP Morgan Chase, Guy Chaffee, SBA Specialist | Las Vegas, NV | 702-523-8615 |
| Lexicon Bank | Las Vegas, NV | 702-780-7700 |
| Meadows Bank | Las Vegas, NV | 702-471-2265 |
| Mountain America Credit Union | Sandy, Utah | 801-325-6345 |
| Nevada State Bank: Megan Comfort | Las Vegas, NV | 702-55-4670 |
| Nevada State Development Brian Astle | Las Vegas, NV | 702-473-6218 |
| Nevada State Development Evan Dickson | Las Vegas, NV | 702-473-6202 |
| Nevada State Development Judi Anguiano | Reno, NV | 775-770-1205 |
| One Nevada Credit Union | Las Vegas, NV | (702) 641-4368 |
| Paola Gonzalez Nevada State Development | Las Vegas, NV | 702-473-6201 |
| Plumas Bank | Reno, NV | 775-786-0907 ext. 6701 |
| Prestamos CDFI, LLC | Reno, NV | 775-300-6193 |
| Prestamos CDFI, LLC | Las Vegas, NV | 775-300-6193 |
| Royal Business Bank | Las Vegas, NV | 213-519-3194 |
| Sandy Gordon Nevada State Development | Reno, NV | 775-770-1202 |
| Sierra Pacific Federal Credit Union | Reno, NV | 775-834-4579 |
| Statewide CDC / Brian Wallace | Reno, NV | (775) 451-5000 |
| Statewide CDC/ Andrew Swann | Las Vegas , NV | (702) 773-1176 |
| United Business Bank | Walnut Creek , CA | 925-476-1823 |
| Valley Bank -Eric Ferenchak | Las Vegas, NV | 702-259-2658 ext. 3003 |
| Valley Bank of Nevada | Las Vegas, NV | 702-259-2658 |
| Yolie DeHoyos Nevada State Development | Las Vegas, NV | 702-473-6210 |
| U.S. Bank | Las Vegas, NV | 702-251-1647 |
| Valley Bank of Nevada | North Las Vegas, NV | 702-259-2656 |
Frequently Asked Questions
Q: What are SBA loans and how do they work in Nevada?
A: SBA loans are government-backed loans provided through approved lenders in Nevada. The Small Business Administration guarantees a portion of the loan, reducing risk for lenders and allowing them to offer more favorable terms to Nevada small businesses. The lender provides the funds while the SBA guarantees repayment up to a certain percentage, typically 75-85% depending on the program. This structure enables Nevada entrepreneurs to access capital with lower down payments, longer repayment terms, and competitive interest rates compared to conventional business loans.
Q: What types of SBA loans are available to Nevada businesses?
A: Nevada businesses can access various SBA loan programs including:
- SBA 7(a) loans: The most common program for general business purposes with loans up to $5 million
- SBA 504 loans: For major fixed asset purchases like real estate or equipment
- SBA Microloans: Smaller loans up to $50,000 for startups and smaller businesses
- SBA Express loans: Faster approval process with loans up to $500,000
- SBA Disaster loans: Special assistance for businesses affected by declared disasters
Q: What are the minimum requirements to qualify for an SBA loan in Nevada?
A: To qualify for an SBA loan in Nevada, businesses typically need:
- For-profit operation based in Nevada
- Owner-occupied (not primarily for investment)
- Good personal credit (typically 650+ FICO score)
- Sufficient cash flow to support loan payments
- No recent bankruptcies, foreclosures, or defaults on government loans
- Reasonable owner equity investment (typically 10-30% depending on the program)
- Operating history of at least 2 years (though some lenders work with startups)
Q: How do Nevada SBA lenders support businesses in the hospitality and tourism sectors?
A: Nevada’s world-class hospitality industry has created specialized SBA lending expertise in this sector. Several Nevada lenders have developed industry-specific loan packages designed for hotels, restaurants, entertainment venues, tour operators, and tourism service providers. These lenders understand the unique capital needs, operational considerations, and seasonal patterns of hospitality businesses and can structure loans accordingly. Some Nevada SBA lenders coordinate with organizations like the Nevada Resort Association and the Nevada Restaurant Association to provide comprehensive support. These specialized lending programs have helped strengthen Nevada’s hospitality ecosystem by financing businesses that complement major casino resorts, with particular attention to independent hospitality businesses that enhance the visitor experience beyond gaming. Nevada SBA lenders have developed expertise in financing boutique hotels, chef-driven restaurants, outdoor recreation providers, and specialized entertainment concepts that help diversify the tourism economy while creating distinctive experiences that attract both visitors and locals.
Q: Are there special SBA loan programs for Nevada’s mining and natural resource businesses?
A: Yes, Nevada’s mining heritage has influenced local SBA lending practices. Several Nevada lenders offer tailored loan packages for mining service providers, equipment suppliers, environmental remediation firms, and other businesses supporting the state’s extensive mineral extraction industry. These lenders understand the cyclical nature of mining activity and can structure loans to accommodate industry patterns. Some Nevada SBA lenders coordinate with organizations like the Nevada Mining Association and the Nevada Division of Minerals to help businesses access both financing and industry support. These specialized lending programs have helped strengthen Nevada’s mining ecosystem by financing businesses that provide innovative services to major mining operations, with particular attention to companies implementing technologies that improve safety, efficiency, and environmental performance in this critical Nevada industry. While SBA loans typically don’t directly fund primary extraction activities, they support the extensive network of businesses that enable Nevada’s position as a global mining leader.
Q: How do Nevada SBA lenders help businesses in the technology and innovation sectors?
A: Nevada’s growing technology presence has created specialized lending expertise for innovation-driven businesses. Several Nevada SBA lenders offer industry-specific loan packages designed for software developers, data centers, clean energy innovators, and other technology-focused companies. These lenders understand the unique growth trajectories of technology businesses and can structure loans accordingly. Some Nevada lenders coordinate with organizations like the Nevada Technology Association and regional innovation hubs like the Las Vegas Innovation District and Reno’s Innevation Center to provide comprehensive support. These specialized lending programs have helped strengthen Nevada’s technology ecosystem by financing businesses that are diversifying the state’s economy beyond traditional sectors, with particular attention to companies leveraging Nevada’s strategic advantages in data storage, renewable energy, autonomous systems, and blockchain technology. As Nevada continues attracting technology companies from neighboring California, SBA lenders have developed expertise in financing the expansion and relocation of growing tech firms.
Q: Can logistics and distribution businesses in Nevada access specialized SBA financing?
A: Yes, Nevada’s strategic location benefits from specialized SBA lending expertise. Several Nevada lenders offer tailored loan packages for warehousing operations, fulfillment centers, transportation companies, and e-commerce logistics providers. These lenders understand the capital-intensive nature of logistics businesses and can structure loans for facilities, equipment, and technology adoption. Some Nevada SBA lenders coordinate with organizations like the Economic Development Authority of Western Nevada and the Nevada Trucking Association to provide comprehensive support. These specialized programs align with Nevada’s growing importance as a distribution hub by financing businesses that leverage the state’s central western location, extensive transportation infrastructure, and proximity to major markets. Nevada SBA lenders have developed particular expertise in financing automated warehousing systems, last-mile delivery operations, and specialized logistics services that support the state’s growing e-commerce sector while creating jobs in both urban and rural areas.
Q: How do Nevada SBA lenders support businesses in rural communities?
A: Nevada’s geographic diversity has led to specialized lending approaches for businesses outside Las Vegas and Reno. Several Nevada SBA lenders participate in the USDA Rural Development Business & Industry Guarantee program alongside SBA programs to provide enhanced options for rural entrepreneurs. These lenders often coordinate with organizations like the Nevada Rural Development Council and the Governor’s Office of Economic Development to provide comprehensive support. Some Nevada lenders have developed expertise in financing rural manufacturing, main street retail revitalization, and tourism businesses that are helping diversify rural economies beyond traditional mining and ranching. These specialized programs align with Nevada’s efforts to strengthen rural communities through entrepreneurship, with particular attention to businesses in communities like Elko, Winnemucca, Fallon, and Ely that can overcome geographic isolation by leveraging Nevada’s improving rural broadband infrastructure while creating opportunities that help retain talent in the state’s vast rural regions.
Q: Are there specialized SBA loan programs for Nevada’s renewable energy and sustainability businesses?
A: Yes, Nevada’s leadership in renewable energy has created specialized lending expertise for clean energy businesses. Several Nevada lenders offer tailored loan packages for solar installers, energy efficiency contractors, battery storage developers, and sustainable water technology firms. These lenders understand the policy environment and incentive structures that influence clean energy economics and can structure loans accordingly. Some Nevada SBA lenders coordinate with organizations like the Clean Energy Project and the Nevada Governor’s Office of Energy to provide comprehensive support. These specialized programs have supported Nevada’s clean energy transition by financing businesses that implement renewable energy systems, develop energy-efficient technologies, and create water conservation solutions, with particular attention to projects that leverage Nevada’s abundant solar, geothermal, and wind resources. As Nevada pursues ambitious renewable energy goals, SBA lenders have developed expertise in financing businesses that are helping build the infrastructure for a sustainable economy in this arid western state.
Q: How do Nevada SBA lenders support minority-owned businesses and entrepreneurs from diverse backgrounds?
A: Nevada’s multicultural population has influenced local SBA lending practices. Several Nevada SBA lenders have developed specialized programs focused on expanding capital access for entrepreneurs from diverse backgrounds, particularly in Las Vegas, North Las Vegas, and historically underserved communities. These lenders often coordinate with organizations like the Latin Chamber of Commerce, the Urban Chamber of Commerce, and the Asian Community Development Council to provide culturally responsive support. Some Nevada lenders participate in the SBA Community Advantage program, focusing specifically on underserved markets. These specialized lending programs align with Nevada’s diverse demographic profile by providing multilingual services, technical assistance, and flexible underwriting that recognizes the unique challenges faced by minority entrepreneurs while leveraging their strong connection to Nevada’s multicultural communities and international visitors. As one of America’s most diverse states, Nevada’s SBA lending ecosystem has evolved to reflect and serve its multicultural business community.
Q: What other resources are available for SBA loans?
A: Other resources provided by Bigger Bottom Line include:
Q: How do I get assistance in getting an SBA or other business loan?
A: Contact the experts! We can assist from advising which lenders to submit to all the way through to developing & submitting a complete business loan package and anything in between. Contact us now for a free evaluation.