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Public Sector

Local Government & Municipal Banking

Riverside view of a bridge crossing a river in a city setting

Our Public Sector Expertise

Financial Services Made for Municipalities & Local Governments

Public entities have unique financial needs and a host of regulatory and reporting requirements. Our Public Finance team understands. We offer unique industry experience and a robust set of solutions to help communities accomplish important financial goals.

Financing for Public Agencies & Governments1

Cities, counties, local governments and other public entities can rely on our team for public finance services and expertise. From tax-exempt direct loans to expert treasury management services, we’re ready to serve, just like you.

  • Municipal finance debt: Our solutions include obligation debt, utility revenue debt, special tax assessment obligations and other tax-backed debt, short-term bridge financing, and loans secured by real estate property or leasehold interest.

  • Revenue-backed financing: Find options for lease-revenue financing, including certificates of participation, and other types of revenue-backed financing, including healthcare, affordable housing, senior living and education.

  • Deposit accounts: We offer demand deposit and money market accounts, as well as Certificate of Deposit Account Registry Service (CDARS) funds2.

  • Customized financing and terms: Our fixed- and variable-rate loans include private placements of debt, direct lending and lease financing, with comprehensive, flexible lending terms up to 20 years.

  • Streamlined approval: We are committed to a streamlined credit approval process so you can secure the funding you need, when you need it.

    Commercial Property Assessed Clean Energy Financing (C-PACE)1

    C-PACE financing provides you a low-cost, long-term financing option for new and existing commercial properties to improve infrastructure, reduce operating costs and increase collateral value. Eligible improvements may include energy efficiency, renewable energy, seismic and stormwater measures, and other property enhancements available for industrial, commercial, mixed-use, multi-family and nonprofit properties. Benefits for your business include:

    • 100% upfront financing for qualified energy upgrades

    • Repayments made through assessment on your property tax bill

    • Fixed rates with scheduled interest payments    

    • Payments and energy savings can be passed along to tenants

    • Longer terms, typically between 20-30 years    

    • Ability to finance improvements while incurring little to no additional debt

    Learn More 

    A Transformative Collaboration

    Fairmount Properties

    This joint effort is bringing employment, cultural opportunities, housing and small business development to Cleveland’s “Eds and Meds Corridor."

    Read Our Client's Story

    Modernizing a Conference Center

    City of Monterey

    Very much a product of the 1970s, the Monterey Conference Center — home to the first-ever TED Talks — was still living in the past. Western Alliance structured a $25 million bond to update the facility to keep business coming to the tourism-focused City of Monterey.

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    Jimmy Forbis, Finance Director, City of Monterey posing on the beach

    Client Spotlight

    City of Monterey

    A Landmark Opportunity

    City of San Carlos

    The City of San Carlos, an affluent community in the heart of Silicon Valley, had a long-held vision: Create a regional draw with a hotel on a high-profile gateway property, just off the 101. Western Alliance offered “vision and flexibility” to finance making this vision a reality.

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    Man posing in front of the City of San Carlos City Hall

    Client Spotlight

    City of San Carlos

    Driving Shorter Commutes In Silicon Valley

    Santa Clara Valley Transportation Authority

    Western Alliance Public Finance stepped in to provide streamlined financing to fund phase two of a system offering solo drivers congestion pricing to use HOV lanes on the busy SR-237. In this toll financing approach, repayment relies exclusively on toll revenues, with no taxpayer funds needed.

    Read Our Client's Story

    Being able to work with one responsive bank, a commercial bank vs. an investment bank, was more flexible, more convenient and ultimately more cost-effective.

    Raj Srinath , CFO Santa Clara Valley Transportation Authority

    Trustworthy Expertise

    Our Team of Public Finance Experts

    Western Alliance Bank’s Public Finance Group comprises experienced, dedicated public sector bankers. We have a deep understanding of the unique needs of municipalities and local governments.

    About Us

    Contact Us

    Benefit from personalized attention from a dedicated relationship manager who understands your business. You’ll have access to senior management and industry-leading solutions — all backed by the resources of one of the nation’s top-performing banking companies.

    Get In Touch
    Western Alliance Bank Headquarters

    1 East Washington Street
    Suite 1400
    Phoenix, AZ 85004
    United States

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    The Western Alliance Bank building in downtown Phoenix, Arizona

    1. All offers of credit are subject to credit approval, satisfactory legal documentation, and regulatory compliance. Borrowers are responsible for any appraisal and environmental fees plus customary closing costs, including title, escrow, documentation fees and may be responsible for any bank fees including bridge loan, construction loan, and packaging fees.
    2. Placement of funds through IntraFi Network Deposits is subject to the terms, conditions, and disclosures in the program agreements, including the Deposit Placement Agreement (“DPA”). Limits apply, and customer eligibility criteria may apply. Program withdrawals may be limited to six per month for funds placed in MMDAs. Although funds are placed at destination banks in amounts that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”), a depositor’s balances at the relationship institution that places the funds may exceed the SMDIA (e.g., before settlement for a deposit or after settlement for a withdrawal) or be ineligible for FDIC insurance (if the relationship institution is not a bank). As stated in the DPA, the depositor is responsible for making any necessary arrangements to protect such balances consistent with applicable law. If the depositor is subject to restrictions on placement of its funds, the depositor is responsible for determining whether its use of IntraFi Network Deposits satisfies those restrictions. Network Deposits is a service mark, and IntraFi, ICS, and CDARS are registered service marks of IntraFi Network LLC.