Karina Alcala

SBA Lender, VP
Mobile Phone

Office Information

Areas Served

Los Angeles

Get to know me

At First Citizens, our SBA Business Development Officers partner with you to deliver tailored financing solutions for your growing business’s short- and long-term needs. With decades of experience working with multiple markets and industries, we’re dedicated to navigating you through every touchpoint of the SBA’s 7a and 504 loan options. Our approach simplifies the SBA loan process for our borrowers, whether you're starting a business, acquiring one or expanding your existing operations. We pride ourselves on working with you to deliver the capital needed to bring your business positive results.

Born and raised in Los Angeles County, I have over 20 years of experience in the banking industry. Most of my career has been in business banking and SBA lending, where I have been focused on providing credit solutions to a wide variety of small business clients. I’ve worked extensively with businesses in the Los Angeles and Orange County areas and have served the San Diego region as well. I am also fluent in Spanish.

Industry Expertise

Educational Services
Manufacturing (Plastics, Metal, Rubber, Textiles)


Cal State University, Dominguez Hills, BS, Business Administration/Marketing

Personal Interests

Spending time with family and friends, attending concerts and LA Galaxy soccer matches, traveling, visiting museums, and walks on the beach.


Make sense of the markets. We have our fingers on the pulse of economic growth, investor sentiment and valuation trends.
Start, grow and expand. Our industry knowledge helps you build a long-term approach for successful business strategies.
Check out the full range of commercial financing services offered by First Citizens Bank.
1) Approved to offer SBA loan products under the SBA Preferred Lenders program

2) First Citizens Bank offers SBA 7(a) loans in select areas within Arizona, California, Colorado, Florida, Georgia, Kansas, Maryland, Missouri, New Mexico, North Carolina, Oklahoma, Oregon, Texas, South Carolina, Virginia, Washington and West Virginia.