Loan Solutions Built for Small Businesses
Small businesses are the backbone of our local economies. They employ local people and make investments in the communities we call home. West Bank offers Small Business Administration (SBA) loans as a solution to help small business owners overcome some of the hurdles with getting their business off the ground or expanding. These loans are focused on flexibility and often have lower rates, reduced down-payment requirements and longer terms, allowing you to focus on making your business as successful as possible. Contact a member of our team to schedule an appointment to discuss your SBA lending needs.
Your SBA Loan Options at West Bank
Loan Type1 | Loan Details |
|---|---|
SBA 504 Loans | Long‑term, fixed‑rate financing designed primarily for the purchase or improvement of owner‑occupied commercial real estate and major equipment. SBA 504 loans are ideal for business expansion projects and offer stable payments with longer repayment terms to support growth and long‑term planning. |
SBA 7(a) Loans | This loan program can be used for a wide range of business needs, including:
SBA 7(a) loans provide longer terms and lower down payments compared to many conventional loans. |
SBA Low Doc Loans | Streamlined SBA loan options designed to reduce documentation requirements for qualifying borrowers. Ideal for small businesses seeking faster access to funding for eligible uses, while still benefiting from SBA support and extended repayment terms. |
1 All subject to credit approval.
West Bank's Commercial Banking Team
Jasmina Alicic
Vice President/Treasury Management Sales Officer
Location: Headquarters
Phone: 515-222-2379
Jasmina Alicic
Jasmina has been with West Bank since 2014 and has more than 20 years of experience in the banking industry. She specializes in Treasury Management Solutions and Commercial Deposit gathering. Jasmina is actively involved in the community, serving on the Board of Directors for Children and Families of Iowa and the Steering Committee for West Bank’s Women Impact Network (WIN) group. Jasmina is a graduate of the WDM Leadership Academy. She enjoys the company culture of West Bank and the diversity of businesses she gets to work with.
Kirk Besh
Senior Vice President/Commercial Banker
Location: Headquarters
Phone: 515-222-5748
Kirk Besh
Kirk joined West Bank in 2022 and has over 37 years of experience in the banking industry. Kirk is actively involved in the community, serving as a board member for Ellipsis and Ballet Des Moines. He is also the finance committee chair for Variety – the Children’s Charity of Iowa and is involved with Winefest Des Moines. Kirk enjoys building relationships and being able to help clients achieve their goals.
Matt Brouillard
Vice President/Commercial Banker
Location: Rochester
Phone: 507-252-2973
Matt Brouillard
Matt joined West Bank in 2026, bringing with him more than 16 years of experience in the banking industry. A graduate of Winona State University, Matt earned a Bachelor of Science in Business Administration. He is a member of the Hiawatha Homes Foundation Development Committee and specializes in commercial banking and client relationships. Matt enjoys helping clients achieve their goals and appreciates being part of a team that is passionate about serving customers and the Rochester community.
Aldrich Cabildo
Vice President/Commercial Banker
Location: Headquarters
Phone: 515-222-2318
Aldrich Cabildo
Aldrich joined West Bank in 2008, bringing with him 7 years of prior experience in the banking industry. As a graduate from Drake University, he also completed the Graduate School of Banking in Colorado with honors. Aldrich is involved in the community, being an active board member of both Pivotal Business Partners and the Fellowship of Christian Athletes. He enjoys learning about many business throughout various industries and being able to play a small part in their success stories.
Tom Cilek
Senior Vice President/Commercial Banker
Location: Coralville
Phone: 319-358-5648
Tom Cilek
Tom joined West Bank in 2004 and has been a banker since 1986. He holds B.B.A and J.D. degrees, both from the University of Iowa. Tom has a CPA license and works with several commercial real estate and business customers. He is actively involved in the community, serving on the board for Kirkwood Community College Foundation and the Antique Car Museum. Tom was previously a lawyer and became a banker to help make a difference in the community.
Jim Conrad
Eastern Iowa Market President
Location: Coralville
Phone: 319-358-5647
Jim Conrad
Jim has been with West Bank since 2012 and has more than 29 years of experience in the banking industry. Jim has earned numerous awards, including being a Think Iowa City Bravo Award Recipient, Iowa City Area Chamber of Commerce Volunteer of the Year and Corridor Business Journal 40 under 40. He is actively involved in the community, serving as a board member for Greater Iowa City, Inc., United Way of Johnson County and the Johnson County I-Club. Jim enjoys the relationships the Coralville team has built with their customers.
Blake Dabney
Second Vice President/Commercial Banker
Location: Headquarters
Phone: 515-222-2386
Blake Dabney
Blake joined West Bank in 2019 after graduating from University of Northern Iowa. He specializes in Commercial & Industrial business lines and is actively involved in the community, serving as Treasurer for Polk County I-Club. Blake enjoys West Bank’s supportive and strong company culture and the extensive knowledge West Bank brings in helping customers reach their goals.
Ron Degen
Senior Vice President/Commercial Banker
Location: Headquarters
Phone: 515-222-2319
Ron Degen
Ron has been with West Bank for more than 30 years and has more than 40 years of experience in the banking industry. He specializes in Commercial and Industrial business loans and Commercial Real Estate. Ron takes great pride in the bank’s culture, which he describes as being like a family. He is motivated by the opportunity to work with individuals and businesses, being able to witness their successes and forming meaningful connections beyond just a banking relationship.
Jason Eyberg
Owatonna Market President
Location: Owatonna
Phone: 507-413-6901
Jason Eyberg
Jason has been with West Bank since 2019 and has more than 21 years of experience in the banking industry. He has a degree in finance and banking from Waldorf College.
Bryan Freund
Senior Vice President/Commercial Banker​
Location: Headquarters
Phone: 515-222-2323
Bryan Freund
Bryan joined West Bank in 2012, bringing with him over 20 years of prior experience in the banking industry. He has an accounting degree from the University of Northern Iowa and completed the College of Credit through Wells Fargo Bank. Bryan has a variety of banking experience, including bank operations, private banking and commercial banking. He has worked with many businesses in the legal, medical, retail and commercial real estate to name a few. He is actively involved in the community, being on the board for Polk County I-Club and committee for John Stoddard’s Rally against Cancer.
Geoff Gade
Vice President/Commercial Banker
Location: Headquarters
Phone: 515-222-2378
Geoff Gade
Geoff has been with West Bank since 1993 and has more than 40 years of experience in the banking industry. He is specialized in small business banking. Geoff is actively involved in the community, previously being involved with Des Moines Health Center and Mind & Spirit Counseling Center. He enjoys meeting and working with small business owners.
Curt Gainsforth
Vice President/Business Banking Officer
Location: St. Cloud
Phone: 320-342-2405
Curt Gainsforth
Curt joined West Bank in 2019 and has over 20 years of business banking experience. He is a graduate of North Dakota State University and is originally from Bismarck, North Dakota. Curt is a board member for Wacosa and Boys & Girls Club of Central Minnesota, which he has been involved with for over 15 years. He enjoys seeing the growth of companies and people over the years, and getting to know customers and different types of industries they are involved with.
Erik Hagedorn
Vice President/Business Banking Officer
Location: Mankato
Phone: 507-779-7942
Erik Hagedorn
Erik has been with West Bank since 2019 and has more than 20 years of experience in the banking industry. He is actively involved in the community, holding several roles on various boards and committees, including being a Mankato Area Foundation Finance Committee member, Greater Mankato Growth Ambassador, Junior Achievement Volunteer Teacher, Bridges Elementary Site Council Board Member and holding various positions with the Greater Mankato United Way. Erik enjoys working with businesses across a number of different industries.
Minda Hamann
Vice President/Commercial Banker
NMLS: 446586
Location: Coralville
Phone: 319-358-5653
Minda Hamann
Minda joined West Bank in 1994 and is a graduate of the University of Iowa. She is originally from Sioux City, Iowa.
Dan Hawks
Senior Vice President/Commercial Banker
Location: Headquarters
Phone: 515-222-2314
Dan Hawks
Dan has been with West Bank since 2010 and has more than 37 years of experience in the banking industry. Dan specializes in Commercial & Industrial business lines and Commercial Real Estate. He is actively involved in the community, volunteering for Habitat for Humanity, Meals from the Heartland and Rebuilding Together. He enjoys working with customers and prospects and helping them succeed in their business, which puts them in a position to give back to our community and make it a better place.
Jon Hummel
Senior Vice President/Business Banking Manager
Location: Headquarters
Phone: 515-222-2334
Jon Hummel
Jon has been with West Bank since 2012 and has more than 14 years of experience in the banking industry. Jon is specialized in Commercial and Industrial Banking. He is actively involved in the community, holding several roles on various boards and committees, including the West Des Moines Chamber of Commerce, Greater Des Moines Partnership, joining the Iowa Bankers Association Leaders in Advocacy class and being nominated to the American Bankers Association Emerging Leaders Council to name a few. Jon was recognized as Community Bankers of Iowa Up and Coming Banker of the Year in 2022. He was inspired by his father’s career as a commercial banker and has always enjoyed working with numbers and learning about businesses.
Dana Jergenson
Senior Vice President/Commercial Banker
Location: Headquarters
Phone: 515-222-5758
Dana Jergenson
Dana has been with West Bank since 2021, bringing with him 17 years of experience in the banking industry, specifically in commercial real estate developing and investor lending. Dana is a graduate of University of Northern Iowa.
Matt Laubach
St. Cloud Market President
Location: St. Cloud
Phone: 320-342-2401
Matt Laubach
Matt has been with West Bank since 2019 and has more than 22 years of experience in the banking industry. He is actively involved in the community, serving on the St. Cloud Opportunities Board, St. Cloud Chamber of Commerce board and is involved with the St. Cloud Granite Rotary Club. Matt enjoys getting to know business owners and gaining an understanding of what makes each business unique.
Tom Lentz
Mankato Market President
Location: Mankato
Phone: 507-779-7941
Tom Lentz
Tom has been with West Bank since 2019 and has been in the banking industry since 1985. He is actively involved with the Mankato Symphony Orchestra as treasurer. He enjoys helping quality people and businesses with their growth and success.
Aaron Meester
Vice President/Business Banking Officer
Location: St. Cloud
Phone: 320-342-2403
Aaron Meester
Aaron joined West Bank in 2019 and has more than 25 years of experience in the banking industry. He is a graduate of South Dakota State University. Aaron is actively involved in the community, serving as a board member and treasurer for the St. Cloud Area YMCA. He appreciates the caliber of individuals and businesses that puts their trust in West Bank.
Luke Mohlenhoff
Vice President/Construction Banking Officer
NMLS: 476527
Location: Waukee
Phone: 515-221-7744
Luke Mohlenhoff
Luke has been with West Bank since 2011, bringing with him more than two decades of experience in the banking industry. His expertise lies in construction and development banking, a field he has specialized in since 2007. Luke actively contributes to professional organizations, serving as a dedicated board member of the Home Builders Association of Greater Des Moines for over a decade and as a board member of CREW Iowa (Commercial Real Estate Women) for two years. His motivation to pursue a career in banking comes from the contributions that this specialization has in transforming the Des Moines metropolitan area.
Rylee Muhr
Commercial Banker
Location: Owatonna
Phone: 507-413-6904
Rylee Muhr
Rylee has been with West Bank since 2024 and has more than 8 years of experience in the banking industry. Rylee is actively involved in the community, serving as the Chair of the Owatonna Young Professionals and a Vice President of an amateur Town Ball baseball team, the Owatonna Aces. His favorite part about West Bank is hearing someone’s goals and helping them get there.
Ryan Murphy
Senior Vice President/Commercial Banker
Location: Coralville
Phone: 319-358-5645
Ryan Murphy
Ryan joined West Bank in 2019, bringing with him over eight years of prior experience in the banking industry. He is a graduate of University of Iowa and is from Iowa City. Ryan is actively involved in the community, serving as a board member for Regina School Foundation and as a member of the Iowa City Home Builders Parade of Homes Committee. Ryan enjoys seeing the growth in the community through projects West Bank is involved in and enjoys working with customers.
Josh Norton
Senior Vice President/Commercial Banker
Location: Headquarters
Phone: 515-222-5746
Josh Norton
Josh joined West Bank in 2007. He specializes in Commercial Real Estate and is involved in all aspects of commercial real estate lending, including construction, development and investment real estate. He has experience with hospitality, medical, industrial, land development, retail, office and multi-family projects. Josh is actively involved in the community, having served on many charitable boards including past president of the Iowa Chapter of Make a Wish, the board of the West Des Moines Economic Development Connection, West Des Moines Chamber of Commerce Finance Committee and the Board of Directors for West Side Kiwanis Club.
Gabe Olson
Vice President/Commercial Banker
Location: Headquarters
Phone: 515-222-2316
Gabe Olson
Gabe joined West Bank in 2005 after graduating from the University of Iowa with a BBA in Finance. He specializes in Commercial & Industrial business lines, as well as serving a large concentration of medical practice clients. Gabe is actively involved in the community, serving on the Variety the Children’s Charity of Iowa Board of Directors and the West Bancorporation Foundation Board of Directors. He has earned numerous awards, including the Up and Coming Banker Award from the Community Bankers of Iowa in 2016 and the Forty under 40 Award by the Business Record in 2018 to name a few. His favorite part about West Bank is the people and their commitment to community involvement.
Jeff Osborne
Senior Vice President/Commercial Banker
Location: Mankato
Phone: 507-779-7945
Jeff Osborne
Jeff has been with West Bank since 2022. He started in banking as a high school student and, after graduating from South Dakota State University in 2008, he began in agriculture and commercial banking. Jeff specializes in Commercial & Industrial business lines. He enjoys all of the long-term friendships he has formed by working with clients closely.
Don Paulson
Senior Vice President/Commercial Banking
Location: Rochester
Phone: 507-252-2975
Don Paulson
Don joined West Bank in 2015, bringing with him more than 30 years of prior experience in the banking industry. He graduated from Mankato State University and has experience as a former CPA with Arthur Anderson. This allowed him to build a strong foundation in auditing banks and working closely with Business Bankers, which ultimately drew him to pursue a fulfilling career in banking. One of the aspects Don cherishes the most in his role is the ability to establish long-term relationships with customers, some of whom have become good friends over the years, making his work all the more rewarding.
Kelsey Ray
Vice President/Commercial Banker
Location: Headquarters
Phone: 515-222-2351
Kelsey Ray
Kelsey Ray joined West Bank in 2026, bringing with her 15 years of banking experience. She earned a finance degree from Iowa State University and completed the Iowa Bankers Association's Leaders in Advocacy program. Kelsey is involved in several industry organizations, including Associated General Contractors (AGC), CREW Iowa, West YP, and the Des Moines Home Builders Association. She enjoys working with businesses across a variety of industries and finds the greatest reward in helping local businesses grow and achieve their goals.
Mason Reinard
Construction Banker
Location: Waukee
Phone: 515-222-5763
Mason Reinard
Mason joined West Bank in 2021 after graduating from the University of Northern Iowa with degrees in Real Estate and Finance. Actively involved in the community, he is a member of West YP, Polk County I-Club, and volunteers with organizations such as Meals from the Heartland. He completed the Iowa Bankers Association Commercial Lending School in 2025 and enjoys West Bank’s top‑notch culture, strong leadership, and the meaningful impact the bank has in helping customers and communities grow.
Kevin Smith
Senior Vice President/Commercial Banker
Location: Headquarters
Phone: 515-222-2322
Kevin Smith
Kevin has been with West Bank since 2001 and has more than 40 years of banking industry experience. He is specialized in construction, non-profits, manufacturing and commercial real estate. He is a graduate of Commercial Banking School (RMA) and holds a BA in Business Management from Central College. Outside of his banking role, Kevin is involved in several professional organizations such as the Fellowship of Christian Athletes and Wildwood Hills Ranch. His favorite part about working at West Bank is the culture of quality and integrity, where he can actively contribute to meaningful decisions that positively impact the community and business owners.
Zach Stubbs
Senior Vice President/Business Banking Manager
Location: Headquarters
Phone: 515-222-2380
Zach Stubbs
Zach has more than 19 years of experience in the banking industry and has been with West Bank since 2011. He holds a BA from Westminster College. Zach is specialized in Commercial and Industrial lending, deposit solutions, and works with aviation businesses including airplane operators and owners. Zach actively contributes to professional organizations, including the Roosevelt High School Foundation Board of Directors, the Iowa Aviation Promotion Group Board of Directors, and the Blank Children’s Hospital Board of Directors among others. His passion for the job stems from the opportunity to continuously learn about customers’ businesses and industries, while also making a positive impact on the local community through tailored banking solutions.
Mike Zinser
Rochester Market President
Location: Rochester
Phone: 507-252-2972