WA · State guide

Business loans in Washington

Washington businesses can reach three separate pools of money: lenders that publish availability here, the state's own financing programs, and federal SBA lending through local participants. We have 7 state programs on file with published terms, and 1 still linked from live government pages that is no longer open.

15 cities covered Checked 14 Sep 2026
Get funding in Washington See the shortlist

Where to start in Washington

No lender here publishes a state-by-state availability list naming WA, so this is the directory ranked by how much each one puts on the record. Absence from a list nobody publishes means nothing.

  1. 100%

    Forward Financing

    $5K – $500K Same day Credit from 500
    9/9 on the record
  2. 100%

    ROK Financial

    $10K – $5M 1-3 days Credit from 500
    9/9 on the record
  3. 100%

    South End Capital

    $1K – $5M Same-day funding available Credit from 650
    9/9 on the record
  4. 89%

    Bizcap US

    Up to $2M Same day Credit from 550
    8/9 on the record
  5. 89%

    ByzFunder

    Up to $500K Same day Credit from 525
    8/9 on the record
  6. 89%

    Fora Financial

    $5K – $1.5M As little as 24 hours Credit from 570
    8/9 on the record
  7. 89%

    Fox Business Funding

    Up to $1M As little as 2 business days Credit from 550
    8/9 on the record
  8. 89%

    National Funding

    $6K – $500K As fast as 24 hours Credit from 600
    8/9 on the record
  9. 89%

    Straight Line Source

    Partner
    $5K – $10M Same day Credit from 500
    8/9 on the record
  10. 78%

    Biz2Credit

    $25K – $2M Decision as fast as 24 hours Credit from 650
    7/9 on the record
  11. 78%

    CAN Capital

    $2K – $400K As fast as the next business day Credit from 600
    7/9 on the record
  12. 78%

    Credibly

    $5K – $10M As fast as 4 hours after approval Credit from 550
    7/9 on the record
published not published Ordered by disclosure, not by what anyone pays us. The score is a count of what a lender publishes, not a rating of the lender.

What Washington itself funds

Owner-Occupied Commercial Real Estate Loan Program (CRE)Administered by Heritage Bank Community Development Entity (HBCDE), LLC, under Washington State Department of Commerce SSBCI. "Tenant improvements, construction, purchase or refinancing loans" on owner-occupied commercial real estate. Published amounts: Companion loans up to $5 million with 10-year terms; "subsidized loans that lower debt payments with low interest rates." Eligibility as published: Socially and Economically Disadvantaged Individual (SEDI) business owners and Very Small Businesses (VSBs).
Collateral Support Program (CSP)Administered by Evergreen Business Capital Community Finance (EBCCF), under Washington State Department of Commerce SSBCI. Cash collateral support for SBA 504 bridge/interim loans where the borrower has a collateral shortfall. Published amounts: Certificate of deposit terms between "six (6) and 18 months (not to exceed 24)"; support up to a "maximum 40% of interim loan amount." Eligibility as published: Participating lenders making loans to small businesses with a collateral shortfall.
Revenue-Based Financing Fund (RBF)Administered by Grow America Community Impact Loan Fund (CILF) and Denkyem Co-op, under Washington State Department of Commerce SSBCI. Working capital; equipment and machinery. Published amounts: Micro: $10,000-$100,000. Growth: $101,000-$500,000. Repayment of "1.1x to 1.5x base investment." Eligibility as published: Small businesses in the micro and growth segments.
Washington State Venture Capital FundAdministered by Washington State Department of Commerce with fund managers Flying Fish Partners, Pier 70 Ventures and VertueLab. Equity capital for early-stage companies. Published amounts: "$49 million in equity capital support" across the fund. Eligibility as published: Washington-based startups, underserved businesses, and targeted sectors (AI/ML, healthcare, climate tech).
SSBCI Technical Assistance ProgramAdministered by Washington State Department of Commerce with multiple TA providers. Free "legal, accounting and financial advisory services" to help businesses become capital-ready. Eligibility as published: Very Small Businesses (VSBs) with fewer than 10 employees, and SEDI-owned businesses.
Commerce Cannabis Social Equity ProgramAdministered by Washington State Department of Commerce with the State Liquor and Cannabis Board (LCB). Technical assistance, mentorship and grant funding for eligible expenses. Eligibility as published: Social equity applicants granted cannabis retail licenses.
Brownfields Revolving Loan FundAdministered by Washington State Department of Commerce. Financing for brownfield site assessment and cleanup (linked from the Access to Capital page; description not provided there).

Programs whose current status is not stated

These are published on official pages that say nothing about whether applications are open. We have not assumed either way — confirm with the administrator before you plan around one.

Equitable Access to Credit Program

Programs you may still see linked that are not open

Each of these is still reachable from a live government page, and none of them is currently accepting applications. A live link is not an open program, and finding that out after you have built a plan around one costs weeks.

Small Business Flex FundPAUSED. Site states the fund is "currently pausing the processing of new loan applications" during a program redesign. Free technical assistance from partner providers remains available. The fund is still linked from Washington government and partner pages.

Federal money behind these programs

Washington was allocated $163.4 million under the federal State Small Business Credit Initiative, which is what funds most of the credit enhancements above. SSBCI money reaches businesses through participating lenders rather than from the state directly, so the application still goes through a bank or a CDFI.

What we could not confirm

Cities are all incorporated municipalities with 2020 census population of 20,000 or more, from the Wikipedia 'List of municipalities in Washington' table whose column heading is '2020 census'. TRUNCATION CAUGHT: the first fetch of that page silently omitted four qualifying cities (Pasco 77,108; Bothell 48,161; Lynnwood 38,568; University Place 34,866). They were recovered by a second targeted fetch of the same page and are included above; the list here is 55 municipalities. Places verified as just below the cutoff and therefore excluded: Port Angeles (19,960), Howard-equivalents n/a, Arlington (19,868), Monroe (19,699), Ellensburg (18,666), Centralia (18,183), Anacortes (17,637), Washougal (17,039), Aberdeen (17,013), Sunnyside (16,375), West Richland (16,295), Lynden (15,749), Port Orchard (15,587), Ferndale (15,048), Snoqualmie (14,121), Lake Forest Park (13,630), Woodinville (13,069), Newcastle (13,017), Sedro-Woolley (12,421). PAUSED PROGRAM FOUND: the Small Business Flex Fund, a COVID-era recovery facility later backed by SSBCI, states it is 'currently pausing the processing of new loan applications' yet remains linked from state and partner pages. The Equitable Access to Credit Program is linked from Commerce's live Access to Capital page but both plausible dedicated URLs returned 404, so its fields and appears_active are null. Amounts are not published for the Cannabis Social Equity grants, the SSBCI Technical Assistance program or the Brownfields Revolving Loan Fund.

Cities in Washington

BellevueBellinghamEverettFederal WayKennewickKentOlympiaPascoRentonSeattleSpokaneSpokane ValleyTacomaVancouverYakima

More for Washington

GuideFunding a business in Washington: the state runs a revenue-based fund of its own Washington's access-to-capital menu includes a revenue-based financing fund, collateral support and owner-occupied real estate loans. No state disclosure law. GuideState capital access programmes: the cheap money most owners never hear about Loan guarantees, collateral support and loan participations run by state agencies, mostly funded through the federal State Small Business Credit Initiative.

Business funding in Washington — common questions

Can I get business funding in Washington?

Yes. 12 funders in this directory serve businesses in Washington, and 0 of them name Washington explicitly in their published availability rather than being included by default.

Does Washington require lenders to disclose the cost of business financing?

Washington's position is set out on this page. As of 2026 only a small number of states require a commercial financing disclosure, and in the rest you will not receive one — which means you have to ask for the total dollar cost, the term and every fee in writing yourself.

Are there state programmes for small business capital in Washington?

3 state-level programmes are recorded here with a link to the administering agency. Programmes open and close, so confirm the current position on the agency's own site before relying on one.

Is a merchant cash advance legal in Washington?

Commercial financing generally sits outside the consumer credit rules most people have heard of, and most state usury caps do not reach business-purpose transactions. What varies is disclosure, broker registration and lender licensing. This is general information, not legal advice for your situation.

How do I check for liens filed against my business in Washington?

Through Washington's UCC filing office, which is named on this page. Search your exact registered entity name — a filing under a slightly different name will not come back, and neither will a stale one nobody terminated.

Which lenders will not fund in Washington?

Where a funder publishes an excluded-states list, this page shows it. Many publish nothing, which is not the same as being available — it means you have to ask.

Does being based in Washington change what I pay?

Not directly in most cases. What changes is what you are told before you sign, and what recourse you have afterwards, both of which depend on your state's rules and on the jurisdiction clause in the contract.

What should I have ready before applying?

Three months of business bank statements, your time in business from a verifiable date, average monthly deposits, your entity's good standing, and a clear figure for what you need and what for.

How current is this page?

Every figure carries the date it was checked. Where a check has passed its review date the page says so rather than presenting as current.