The Art of Business Growth: Expert Funding Solutions for Your Business

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Washington SBA Lenders

Searching for trusted Washington SBA lenders to power your business growth? Our comprehensive directory connects Washington entrepreneurs with approved SBA loan providers throughout the Evergreen State including Seattle, Tacoma, Spokane, Vancouver and beyond. 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 Washington 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 Washington small business thrive in the Pacific Northwest’s innovative and diverse economic landscape.

Lender nameAddressCityStatePhoneEmail
1st Security Bank of Washington6920 220th ST SWMountlake TerraceWA(360) 516-5612[email protected]
America’s Credit Union, A FCU1495 Willmington DriveDuPontWA(253) 593-6673[email protected]
Ameritrust CDC111 Main St, Suite 102EdmondsWA(425)787-6100[email protected]
Baker Boyer National Bank7 W Main StreetWalla WallaWA(509) 525-2000[email protected]
Bank of America2707 Colby AveEverettWA(425) 689-7491[email protected]
Bank of Hope400 112th AVE NE, Ste 150BellevueWA(425) 921-1098[email protected]
Bank of Idaho424 E Yakima Ave.YakimaWA(509) 654-7520
Bank of the Pacific1216 Skyview DriveAberdeenWA(360) 533-8870[email protected]
BankCDA912 Northwest BlvdCour d’AleneID(208) 665-5999[email protected]
Banner Bank10 S First AvenueWalla WallaWA(509) 527-3636[email protected]
BECU12770 Gateway DriveTukwilaWA(206) 439-5700[email protected]
Beneficial State Bank1501 E Madison StSeattleWA(206) 812-8897
BMO1191 2nd Ave.SeattleWA(206) 613-3480
Business Impact NW 12720 Gateway Dr STukwilaWA(206) 324-4330[email protected]
Canopy FCU601 West MallonSpokaneWA(509) 328-2900[email protected]
Cashmere Valley Bank117 Aplets WayCashmereWA(509) 782-1501[email protected]
Coastal Community Bank5415 Evergreen WayEverettWA(425) 257-9000[email protected]
Commencement Bank1102 Commerce St, Ste 100TacomaWA(253)284-1800[email protected]
Community First Bank6401 W Clearwater AveKennewickWA(509) 783-3435[email protected]
Craft3409 Maynard Ave S, Suite 200SeattleWA(888) 231-2170[email protected]
Evergreen Business Capital (CDC)13925 Interurban Ave S, Suite 100SeattleWA(206) 622-3731[email protected]
Evergreen Business Capital Community Finance (CDFI)13925 Interurban Ave S, Suite 100SeattleWA(253) 583-6064[email protected]
Fibre FCU822 Commerce AveLongviewWA(360) 423-8750[email protected]
First Fed105 W 8th StreetPort AngelesWA(360) 457-0461[email protected]
First Financial Northwest Bank201 Wells Ave SRentonWA(425) 255-4400[email protected]
First Interstate Bank601 Union St, Ste 3000SeattleWA(206) 254-9931[email protected]
GBC International Bank16001 Aurora Avenue NorthShorelineWA(888) 822-6283[email protected]
GESA CU51 Gage BlvdRichlandWA(253) 300-5414[email protected]
Grow America Fund1037 NE 65th Street, Ste 368SeattleWA(800) 501-7489
Hamni Bank31620 23rd Ave SFederal WayWA(206) 489-8377[email protected]
HAPO Community CU601 Williams BlvdRichlandWA(509) 943-5676[email protected]
Harborstone Credit Union9611 Gravelly Lake DRLakewoodWA(253) 584-2260[email protected]
Heritage Bank14807 Highway 99LynnwoodWA(425) 742-2266[email protected]
HomeStreet Bank601 Union Street, 2000 Two Union SquareSeattleWA(206) 623-3050
Idaho Central Credit Union4400 Central WayChubbuckID(208) 239-3000[email protected]
Industrial CU of Whatcom County3233 Northwest AveBellinghamWA(360) 734-2043
JPMorgan Chase1301 Second Avenue, 24th FloorSeattleWA(801) 715-7400[email protected]
Key Bank USA, NA1101 Pacific AvenueTacomaWA(253) 305-7588[email protected]
Kitsap Bank619 Bay StreetPort OrchardWA(425) 434-4499[email protected]
Kitsap Credit Union155 Washington Ave.BremertonWA(360) 662-2000 [email protected]
Liberty Bank19917 Seventh Avenue NE, Ste 101PoulsboWA(360) 779-4567[email protected]
Live Oak Bank4305 145th PL SESnohomishWA(360) 510-1535[email protected]
Mercy Corps Northwest240 Second Ave S, Suite 222SeattleWA(206) 939-2590[email protected]
Mountain Pacific Bank3732 BroadwayEverettWA(425) 263-3546[email protected]
Northwest Farm Credit Services, ACAW 601 First AvenueSpokaneWA
Numerica Credit Union14610 E Sprague AvenueSpokane ValleyWA(509) 535-7613[email protected]
NW Business Development Association9019 E Appleway Blvd, Suite 200Spokane ValleyWA(509) 458-8555[email protected]
Northwest Native Development Fund504 Fir Street Coulee DamWA(509) 633-9940
O Bee Credit Union649 Woodland Square Loop SELaceyWA(360) 943-0740[email protected]
Olympia Federal Savings and Loan Association421 Capitol Way SouthOlympiaWA(360) 754-3400[email protected]
Open Bank11900 NE First St, Suite 300BellevueWA(425) 454-3700[email protected]
Peoples Bank3100 Woburn StBellinghamWA(360) 715-4200[email protected]
Peoples Community Federal Credit Union7403 NE Hazel Dell AveVancouverWA(360) 695-5121[email protected]
Potlatch No. 1 Federal Credit Union20307 Mountain Highway ESpanawayWA(425) 382-4431[email protected]
Red Canoe Credit Union1418 15th AvenueLongviewWA(360) 425-2130[email protected]
RiverBank202 E Spokane Falls BlvdSpokaneWA(509) 744-6903[email protected]
SaviBank208 East Blackburn Road, Suite 200Mt VernonWA(360) 707-2272[email protected]
Seattle Bank401 Union St, Suite 2900SeattleWA(206) 971-3561[email protected]
Seattle Economic Development Fund1437 South Jackson, Suite 302SeattleWA(206) 324-4330[email protected]
Seattle Metropolitan Credit Union1521 1st Ave S, Ste 500SeattleWA(206) 398-5500[email protected]
Security State Bank1930 S Gold StCentraliaWA(360) 736-0763[email protected]
SNAP Financial Access500 S Stone StSpokaneWA(509) 456-7627[email protected]
Sno Falls Credit Union320 SW Mt Si Blvd, Ste 101North BendWA(425) 888-4004[email protected]
Solarity Credit Union110 N 5th AveYakimaWA(509) 248-1720[email protected]
Sound Community Bank2400 Third Ave, Suite 100SeattleWA(206) 436-3150[email protected]
Sound Credit Union1331 BroadwayTacomaWA(253) 383-2016[email protected]
Spokane Teachers Credit Union1620 N Signal DriveLiberty LakeWA(509) 326-1954[email protected]
State Bank Northwest12902 E Sprague AveSpokane ValleyWA(509) 789-1771[email protected]
Timberland Bank624 Simpson AveHoquiamWA(253) 257-5083[email protected]
Twin City Bank729 Vandercook WayLongviewWA(360) 414-4101
Twin River Bank1507 G StreetLewistonID(208) 746-4848[email protected]
TwinStar Credit Union4525 Intelco Loop SELaceyWA(360) 357-9917[email protected]
UniBank19315 Highway 99LynnwoodWA(425) 275-9721[email protected]
United Business Bank14900 Interurban Ave South, Suite 150TukwilaWA(206) 372-7670[email protected]
US Bank10800 NE 8th ST, Suite 1000BellevueWA(425) 941-9026[email protected]
US Metro Bank3301 184th St SW, Ste 125LynnwoodWA(425) 758-2123[email protected]
Ventures2100 24th Ave S, Suite 380SeattleWA(206) 352-1945[email protected]
Washington Federal Bank425 Pike StSeattleWA(206) 204-3446[email protected]
Washington Trust Bank717 W Sprague AveSpokaneWA(509) 353-4204[email protected]
Wells Fargo999 3rd AveSeattleWA(800) 225-5935
Whatcom Educational CU600 E Holly StBellinghamWA(360) 676-1168grp.businessloanofficers@wecu
Zions Bank2997 Thain GradeLewistonID(208) 746-0151[email protected]

Frequently Asked Questions

Q: What are SBA loans and how do they work in Washington?
A: SBA loans are government-backed loans provided through approved lenders in Washington. The Small Business Administration guarantees a portion of the loan, reducing risk for lenders and allowing them to offer more favorable terms to Washington 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 Washington 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 Washington businesses?
A: Washington 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 Washington?
A: To qualify for an SBA loan in Washington, businesses typically need:

  • For-profit operation based in Washington state
  • 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 Washington SBA lenders support businesses in the technology and software sectors?
A: Washington’s tech leadership has created specialized SBA lending expertise in these sectors. Several Washington lenders have developed industry-specific loan packages designed for software developers, cloud computing companies, e-commerce platforms, and other technology-focused businesses from Seattle’s tech hub to emerging clusters throughout the state. These lenders understand the unique capital needs, growth trajectories, and business models of technology companies and can structure loans accordingly. Some Washington SBA lenders coordinate with organizations like the Washington Technology Industry Association, the Washington State Department of Commerce’s Information & Communication Technology sector lead, and university technology transfer offices to provide comprehensive support. These specialized lending programs have helped strengthen Washington’s position as a global technology center by financing businesses that leverage the state’s exceptional technical talent, collaborative innovation ecosystem, and quality of life advantages. From enterprise software developers in downtown Seattle to cloud computing companies on the Eastside to digital health innovators in Spokane, these lenders provide crucial capital that helps tech entrepreneurs scale their businesses while maintaining roots in Washington. As the state continues building its reputation beyond established tech giants to include emerging fields like artificial intelligence, clean technology, and quantum computing, these lenders have developed sophisticated understanding of how to evaluate technology business models, assess growth potential, and structure financing that accommodates the distinctive cash flow patterns and capital needs of software and technology companies at various stages of development.

Q: Are there special SBA loan programs for Washington’s clean energy and sustainability businesses?
A: Yes, Washington’s environmental leadership has influenced local SBA lending practices. Several Washington lenders offer tailored loan packages for clean energy developers, green building companies, circular economy innovators, and environmental technology providers throughout the state. These lenders understand the unique regulatory considerations, project economics, and growth opportunities of sustainability-focused businesses and can structure loans accordingly. Some Washington SBA lenders coordinate with organizations like the CleanTech Alliance, Washington’s Clean Energy Fund, and climate innovation accelerators to help businesses access both financing and industry support. These specialized lending programs have helped strengthen Washington’s position as a clean technology leader by financing businesses that develop solutions addressing climate change, resource conservation, and environmental protection. From solar installation companies in Eastern Washington to green building material manufacturers in the Puget Sound region to clean water technology developers in Vancouver, these lenders have developed expertise in helping sustainability entrepreneurs navigate the distinctive challenges of building environmentally focused businesses while creating compelling value propositions that attract customers and partners. As Washington continues implementing some of the nation’s most ambitious clean energy and climate policies, these lenders provide crucial capital that helps entrepreneurs develop innovative solutions that reduce environmental impact while creating high-quality employment opportunities in the green economy. The state’s commitment to 100% clean electricity, carbon reduction, and environmental justice has created a particularly supportive ecosystem for sustainability-focused businesses when paired with appropriate capital access.

Q: How do Washington SBA lenders help businesses in the maritime and blue economy sectors?
A: Washington’s coastal advantage has created specialized lending expertise for maritime businesses. Several Washington SBA lenders offer industry-specific loan packages designed for fishing operations, boat builders, marine technology developers, port service providers, and specialized maritime contractors. These lenders understand the unique operational considerations, equipment needs, and seasonal patterns of maritime businesses and can structure loans accordingly. Some Washington lenders coordinate with organizations like the Maritime Blue initiative, the Northwest Marine Trade Association, and the Washington Maritime Federation to provide comprehensive support. These specialized lending programs have helped strengthen Washington’s position as a maritime leader by financing businesses that leverage the state’s exceptional coastal resources, port infrastructure, and maritime heritage. From fishing businesses in coastal communities to boat manufacturers in Seattle to marine technology firms throughout Puget Sound, these lenders have developed expertise in financing maritime ventures that capitalize on Washington’s strategic location and deep maritime traditions. As the maritime industry continues evolving with new technologies, sustainability requirements, and changing global trade patterns, these lenders provide crucial capital that helps maritime entrepreneurs adapt to industry changes while creating innovative solutions that maintain Washington’s competitive position in fisheries, trade, shipbuilding, and emerging blue economy sectors. The state’s distinctive maritime ecosystem – spanning commercial fishing, recreational boating, international shipping, naval operations, and marine research – has created a sophisticated lending environment that understands the unique capital needs and growth patterns of businesses operating on Washington’s waters.

Q: Can agricultural and food production businesses in Washington access specialized SBA financing?
A: Yes, Washington’s agricultural diversity benefits from specialized SBA lending expertise. Several Washington lenders offer tailored loan packages for specialty crop producers, value-added food manufacturers, wineries, craft beverage producers, and agritourism operations. These lenders understand the seasonal nature of agriculture and can structure loans with flexible payment schedules aligned with production cycles. Some Washington SBA lenders coordinate with organizations like the Washington State Department of Agriculture, Washington State University Extension, and industry associations representing specific agricultural sectors to provide comprehensive support. These specialized lending programs have helped strengthen Washington’s position as an agricultural powerhouse by financing businesses that add value to the state’s diverse agricultural products – from the apple orchards of Eastern Washington to the berry farms of the Skagit Valley to the vineyards of the Columbia Valley. From specialty food manufacturers in Seattle to wineries in Walla Walla to sustainable farming operations throughout rural Washington, these lenders have developed expertise in helping agricultural entrepreneurs navigate seasonal cash flow considerations while building sustainable business models that connect Washington producers with premium markets. As consumer interest in local, sustainable, and artisanal food products continues growing, these lenders provide crucial capital that helps Washington’s agricultural entrepreneurs develop distinctive products and experiences that showcase the state’s exceptional agricultural bounty while creating economic opportunities in rural communities.

Q: How do Washington SBA lenders support businesses in rural communities and smaller towns?
A: Washington’s geographic diversity has led to specialized lending approaches for businesses outside major metropolitan areas. Several Washington SBA lenders have developed programs specifically focused on expanding capital access for rural entrepreneurs in regions from the Olympic Peninsula to the Palouse to the Okanogan Highlands. These lenders often coordinate with organizations like the Washington State Department of Commerce’s Rural Development initiatives, the Association of Washington Cities, and regional economic development organizations to provide comprehensive support. Some Washington lenders participate in USDA Rural Development programs alongside SBA programs to provide enhanced options for rural businesses. These specialized lending programs align with Washington’s commitment to statewide prosperity by providing tailored assistance that helps rural entrepreneurs overcome geographic challenges, access markets, and leverage local assets to create sustainable businesses. From manufacturing operations that provide crucial employment in small communities to tourism businesses that showcase rural heritage to agricultural enterprises that create new market opportunities, these lenders help finance diverse ventures that strengthen Washington’s small towns and rural landscapes. As Washington continues implementing strategies to bridge the urban-rural divide, these lenders provide crucial capital that helps entrepreneurs in communities throughout the state participate in Washington’s economic success while creating distinctive businesses that maintain the character and vitality of Washington’s diverse regions.

Q: Are there specialized SBA loan programs for Washington’s manufacturing and aerospace businesses?
A: Yes, Washington’s manufacturing leadership has influenced local SBA lending practices. Several Washington SBA lenders have developed expertise in financing aerospace suppliers, advanced manufacturers, wood products companies, and specialized production facilities throughout the state. These lenders understand the unique equipment needs, facility requirements, and supply chain considerations of manufacturing businesses and can structure loans accordingly. Some Washington lenders coordinate with organizations like the Aerospace Futures Alliance, Impact Washington (the state’s Manufacturing Extension Partnership), and regional manufacturing associations to provide comprehensive support. These specialized lending programs have helped strengthen Washington’s manufacturing economy by financing businesses that support major manufacturers like Boeing while developing innovative production capabilities in emerging fields. From aerospace component manufacturers in Everett to advanced materials developers in the Tri-Cities to specialized equipment producers throughout the state, these lenders help finance manufacturing ventures that leverage Washington’s skilled workforce, technical expertise, and manufacturing heritage. As manufacturing continues evolving with automation, advanced materials, and Industry 4.0 technologies, these lenders provide crucial capital that helps Washington manufacturers invest in equipment, facilities, and workforce development while creating quality employment opportunities in communities throughout the state. The aerospace industry’s distinctive requirements – with its rigorous certification standards, complex supply chains, and long development cycles – have created a particularly sophisticated lending ecosystem that understands how to support businesses in this prestigious but demanding sector.

Q: How do Washington SBA lenders support minority-owned businesses and entrepreneurs in underserved communities?
A: Washington’s growing diversity has led to specialized lending approaches for businesses in historically underserved communities. Several Washington SBA lenders have developed programs specifically focused on expanding capital access for entrepreneurs of color throughout the state. These lenders often coordinate with organizations like the Washington State Office of Minority and Women’s Business Enterprises, the Seattle Urban League, ethnic chambers of commerce, and community development financial institutions to provide culturally responsive support. Some Washington lenders participate in the SBA Community Advantage program and other initiatives specifically designed to increase lending in underserved markets. These specialized lending programs align with Washington’s commitment to inclusive economic development by providing targeted outreach, technical assistance, and financing structures that address the specific challenges minority entrepreneurs may face. From neighborhood-serving businesses in Seattle’s International District to innovative startups in diverse communities to professional service firms throughout the state, these lenders help finance diverse business ventures that strengthen local economies while creating pathways to wealth creation in communities that have historically faced barriers to capital access. As Washington continues embracing its increasing diversity, these lenders have developed distinctive expertise in helping minority business owners access capital while navigating the path to business success in a state that values innovation, sustainability, and inclusive growth.

Q: How do Washington SBA lenders support businesses owned by women and veterans?
A: Washington’s entrepreneurial diversity has influenced local SBA lending practices. Several Washington SBA lenders have developed specialized programs focused on expanding capital access for women business owners and veteran entrepreneurs throughout the state. These lenders often coordinate with organizations like the Washington Women’s Business Center, the Washington State Women’s Commission, the Washington Department of Veterans Affairs, and veteran business alliances to provide targeted support. Some Washington lenders offer mentoring connections, specialized workshops, and networking opportunities alongside their financing options. These specialized lending programs align with Washington’s strong military presence and growing female entrepreneurship by providing outreach and financing structures that address the specific challenges these entrepreneurs may face. From professional service firms to manufacturing operations to technology ventures, these lenders help finance diverse business ventures led by women and veterans who contribute significantly to Washington’s economic vitality. As these demographic groups continue increasing their entrepreneurial participation, these lenders have developed expertise in helping them overcome traditional barriers to capital access while building sustainable businesses that create economic opportunities throughout Washington’s diverse communities. The state’s substantial veteran population – particularly around major installations like Joint Base Lewis-McChord – has created particularly strong resources for transitioning military personnel seeking to establish businesses in Washington.

Q: How do Washington SBA lenders support businesses in the tourism and outdoor recreation sectors?
A: Washington’s natural splendor has created specialized lending expertise for tourism businesses. Several Washington lenders offer industry-specific loan packages designed for outdoor recreation providers, hospitality businesses, tour operators, and service companies supporting the state’s $21+ billion tourism industry. These lenders understand the seasonal nature of tourism in many parts of Washington and can structure loans with flexible payment schedules aligned with visitor patterns. Some Washington SBA lenders coordinate with organizations like the Washington Tourism Alliance, the Washington Hospitality Association, and regional destination marketing organizations to provide comprehensive support. These specialized lending programs have helped strengthen Washington’s position as a premier tourism destination by financing businesses that showcase the state’s exceptional natural and cultural attractions – from the Olympic Peninsula to the Cascade Mountains to the wine regions of Eastern Washington. From distinctive lodging properties in scenic locations to specialized outdoor adventure companies to culinary tourism businesses highlighting Washington’s food and beverage excellence, these lenders have developed expertise in helping tourism entrepreneurs balance seasonal cash flow considerations while creating compelling experiences that attract visitors year-round. As Washington continues diversifying its tourism offerings beyond traditional attractions to include culinary tourism, Indigenous cultural experiences, and sustainable adventure travel, these lenders provide crucial capital that helps entrepreneurs create distinctive hospitality concepts that showcase Washington’s unique character while generating substantial economic impact throughout the state.

Q: How do Washington SBA lenders support businesses in the healthcare and life sciences sectors?
A: Washington’s biomedical leadership has created specialized lending expertise for healthcare businesses. Several Washington lenders offer industry-specific loan packages designed for medical practices, healthcare technology developers, biotechnology companies, and specialized service providers supporting Washington’s healthcare ecosystem. These lenders understand the unique regulatory considerations, capital needs, and growth trajectories of healthcare businesses and can structure loans accordingly. Some Washington SBA lenders coordinate with organizations like Life Science Washington, the Washington State Healthcare Forum, and university research programs to provide comprehensive support. While early-stage life sciences companies typically rely on equity financing, SBA loans become viable options as healthcare businesses reach commercialization and revenue generation phases. These specialized lending programs have helped strengthen Washington’s position as a healthcare innovation hub by financing businesses that leverage the state’s research institutions, technical talent, and growing life sciences clusters in Seattle, Bothell, Vancouver, and Spokane. From medical device manufacturers to digital health platforms to specialized service providers supporting major healthcare systems, these lenders help finance diverse healthcare ventures that are creating high-value employment opportunities while addressing important medical challenges. As Washington continues building its reputation for healthcare innovation – particularly in areas like immunotherapy, global health, digital medicine, and medical devices – these lenders provide crucial capital that helps medical entrepreneurs bridge the gap between research breakthroughs and commercial success while creating distinctive healthcare businesses that improve patient outcomes.

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.

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