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Utah Community Reinvestment Programs

Home > About  > Community Reinvestment Act > Utah Community Reinvestment Programs

Our Community Reinvestment in Utah

Utah’s economy is built on innovation, collaboration, and an entrepreneurial spirit. At Sunwest Bank, we’re proud to support that growth through our efforts under the Community Reinvestment Act (CRA) programs, including eligible lending, investments, and services, which expand access to financing and empower small businesses throughout the state.

Our Utah CRA program serves communities across Salt Lake City, Sandy, South Jordan, Ogden, Park City, and surrounding areas, helping local businesses grow while strengthening the neighborhoods where we live and work.

By combining CRA loans, community investments, and volunteer service, Sunwest Bank is building a foundation for inclusive growth across the Wasatch Front.

Connect with a Community Banker in Utah

CRA Lending that Powers Utah’s Growth

From the vibrant energy of downtown Salt Lake City to the foothills of Ogden, Utah’s small businesses play a vital role in driving local prosperity. Sunwest Bank’s small business lending includes activities that may qualify for CRA consideration, helping business owners access the capital they need to expand, hire, and reinvest in their communities.

Our lending team understands the needs of Utah entrepreneurs. Whether you’re running a family-owned construction business in Sandy, a tech startup in Draper, or a retail shop in Park City, our local experts are eager to help.

Accelerated Small Business Financing

This program provides streamlined term loans and lines of credit up to $250,000, giving small businesses across Utah quick access to the capital they need to fuel growth and innovation.

Program Highlights:

  • Simple approval process and fast turnaround times
  • Flexible funding for working capital or expansion
  • Competitive terms and minimal fees

Business Lines of Credit

Utah businesses often experience growth cycles tied to seasons, projects, or contracts. A Sunwest Bank Business Line of Credit offers the flexibility to access funds as needed, whether for inventory, payroll, or expansion.

Program Benefits:

  • Revolving access to capital within approved limits
  • Pay interest only on what you use
  • Ideal for construction, manufacturing, and service-based businesses

SBA Lending

As a Preferred SBA Lender, Sunwest Bank partners with the U.S. Small Business Administration to deliver affordable, government-backed loans for Utah’s small businesses. These programs help expand opportunity for startups, established companies, and community-focused organizations alike.

We have expanded opportunities for small business entrepreneurship by donating $6,250 to Utah Microloan Fund, a Salt Lake-based nonprofit built to provide small business entrepreneurs with technical expertise and access to capital.

SBA Options:

  • SBA 7(a): General-purpose funding for working capital or refinancing
  • SBA 7(a) CRE: Financing for commercial real estate acquisition or construction
  • SBA 504: Long-term financing for major assets like real estate or equipment

Visionary Card

The Sunwest Visionary Card offers business owners across Utah an efficient way to manage expenses. With no annual fees and real-time expense tracking, it’s designed to simplify financial management while helping build business credit.

Sunwest Visionary Card

Supporting Business Growth Through Banking & Education

In addition to lending, Sunwest Bank provides a complete suite of business banking solutions designed to simplify financial management. From commercial checking and savings accounts to digital treasury management tools, we help businesses stay efficient, organized, and ready to scale.

We also invest in financial education, providing business owners with articles, webinars, and tools that demystify topics like cash flow management, loan preparation, and sustainable growth strategies.

Sunwest Serves

Investing in Utah’s Future

Sunwest Bank’s commitment to community goes beyond lending. Through our #SunwestServes program, employees volunteer with nonprofits focused on housing, education, and economic empowerment across the Wasatch Front.

We also invest in Community Development Financial Institutions (CDFIs) that expand access to credit in underserved Utah communities, supporting small business owners and entrepreneurs who are strengthening the state’s economic landscape.

Local Impact in Our Utah Assessment Area

Sunwest Bank’s CRA activities reach across Salt Lake County, Weber County, and Summit County, delivering meaningful impact in diverse communities.

Financial Education

Examples of Local Impact:

  • Salt Lake City: Financing small manufacturers, local retailers, and service-based companies contributing to the city’s growth.
  • Sandy & Southwest Jordan: Helping contractors, professional firms, and healthcare providers access affordable capital.
  • Ogden & Roy: Supporting small business revitalization efforts and commercial upgrades that create local jobs.

Each CRA loan or investment reinforces Utah’s economic strength and promotes opportunities across urban and suburban areas alike.

Business Banking & Financial Education

Sunwest Bank supports Utah businesses not only through lending but also through banking and educational resources that make financial management easier. From digital banking and treasury services to savings and cash flow solutions, our goal is to help business owners operate efficiently and sustainably.

We have volunteered our time uplifting families served at the LifeStart Village of The Family Support Center of Utah. From financial literacy and goal management courses for adults, introducing young children to money concepts, or helping flip burgers at the summer BBQ, our team loves supporting single parents on their path to self-sufficiency.

LifeStart

Branches Serving Your Community

Visit our Utah Sunwest Bank location to connect with a banker who understands your local market:

Salt Lake City Branch (Headquarters)

10011 Centennial Pkwy., Suite 450
Sandy, UT 84070

Utah Branch

Our Commitment to Utah

Sunwest Bank is deeply invested in the success of Utah’s communities. Through CRA lending, CDFI partnerships, and community service, we’re supporting local businesses, empowering entrepreneurs, and building stronger neighborhoods from Salt Lake City to Ogden.

Connect with a Community Banker in Utah

Frequently Asked Questions About CRA Loans

What is a CRA loan?

CRA loans are part of the Community Reinvestment Act, a federal requirement for banks to help meet the credit needs of the communities they serve.

Which areas of Utah are included in Sunwest Bank’s CRA assessment area?

Our CRA coverage includes Salt Lake City, Sandy, South Jordan, Riverton, Draper, Ogden, Roy, and Park City, along with surrounding communities in Salt Lake, Weber, and Summit counties.

What industries often benefit from CRA lending in Utah?

Many CRA loans in Utah support construction, manufacturing, healthcare, and professional services—industries that drive job creation and community development across the Wasatch Front.

Does Sunwest Bank partner with CDFIs in Utah?

Yes. We work with Community Development Financial Institutions that help extend lending to small businesses and individuals in underserved or low-to-moderate income areas.

How can I apply for a CRA loan in Utah?

Simply reach out to a Sunwest Community Banker or complete the contact form on this page to begin the application process.

Small Business Transaction

All Locations Sunwest Bank Serves

Sunwest Bank proudly supports small business lending and community reinvestment throughout our footprint: