#1 Credit Union for SBA 7a Loan Volume in
2023/2024 in Washington and Oregon
Benefits of Our SBA Lending
Our SBA Relationship Managers work with you one-on-one to find the right products that fits your business needs. We are a not-for-profit credit union and a Preferred Lending Provider (PLP) with the Small Business Administration (SBA).
- Leaves more cash in your business account with lower down payment options
- Lower payments with longer loan terms
- No balloon payments
- Finance Goodwill/Intangible assets in Business Acquisition Purchases
Industry Specialties
- Adult Care & Rehabilitation
- Car Washes
- Manufacturing
- Gas Station/C-Stores
- Auto Repair & Auto Body
- CPA/Accounting
- Self Storage
- Medical
- Dental | Chiropractic
- Physical Therapy
- Veterinary
- HVAC/Plumbing/Electrical
SBA Loan Products
SBA Quick Loan/Line
7(a) Business Loan
Express Lines of Credit
504 Loan
CAP Lines
Working Capital Pilot
SBA Quick Loan/Line
The SBA Quick Loan/Line program is perfect for business needs under $150,000.
How it can be used
- Line of credit for working capital
- Purchase new or used equipment
Benefits
- Quick application process with expedited funding
- No Prepayment penalty
- Up to a 10-year term
Qualifications
- Minimum 2 years in business
- Credit Score above 680
- Flexible collateral requirements
7(a) Business Loan
Low down payment requirements and longer terms makes this the SBA’s most popular loan program.
How it can be used
- Acquiring an existing business
- Purchase, construct or renovate owner-occupied commercial real estate
- Long-term working capital
- Purchase vehicles & equipment
- Purchase inventory
- Tenant improvements
- Refinance debt
- Franchise financing
Benefits
- Terms up to 10 years for business acquisitions, equipment and working capital
- Terms up to 25 years when commercial real-estate is involved (blended maturity can apply)
- Loan amounts up to $5 Million
Express Lines of Credit
A simple way to receive expedited financing for your small business. Lines of Credit up to $500,000.
How it can be used
- Short-term working capital
- Purchase inventory
Benefits:
- Competitive interest rates
- Interest only on what you use
- Maturities up to 10 years
- Quick underwriting and approval
- No annual fee
504 Loan
How it can be used
- Low as 10% down payment
- Loan amounts up to $15 Million
- Fixed rate with no balloon payment for up to 40% of the loan amount. (50% when refinancing)
- Declining pre-payment penalty
Benefits
- Purchase, construct or renovate owner-occupied commercial real estate
- Long term, high-cost equipment
- Refinance current owner occupied commercial real estate debt
CAP Lines
The SBA CAPLines program is meant to give small businesses access to lines of credit, both revolving and fixed for short term as well as seasonal needs. Line amounts from $500,000 up to $5 Million. Most CAPLine loans must be fully collateralized by borrower assets.
How it can be used
- Seasonal CAPLines – Meant to help you fund cyclical increases in things like inventory, accounts receivable, and labor costs. These loans are not intended to help cash flow during the off-season of the business in question
- Contract CAPLines – A loan to help you acquire a specific contract, purchase order, or subcontract
- Builder’s CAPLines – For funding the construction or renovation of commercial or residential buildings meant for resale
- Working Capital CAPLines – Get funds to cover short-term working capital.
Working Capital Pilot
The Working Capital Pilot program offers lines of credit up to $5 million that can be used for both domestic and international transactions. There are two main features of the program: asset-based lending and transaction-based financing. Asset-based WCP loans allow businesses to borrow against their existing assets, while transaction-based financing provides funding earlier in the sales cycle for specific projects. This pilot program is designed to be more flexible and adaptable to the needs of modern small businesses.
Benefits
- Increase your current line of credit to a larger line under this program
- Low flexible SBA fee
- Up to 60-month term with annual line renewal
Qualifications
- Must be in business greater than 12 months
Our resource library
Government loans are complicated, we have answers
We’ve created a resource center to guide you through the government loan application process. Our materials are designed to be easy to understand, even if you’re new to this type of assistance.
Routing Number: 325181248
51 Gage Blvd. Richland, WA 99352
Federally insured by NCUA
Equal Housing Opportunity
Co-op Shared
Branch
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