
Refer a Loan Client
this is a grey bar
We work with many financial institutions, lenders/bankers, and similar-resource providers just like you to ensure that great businesses get the capital they need to launch, grow, and succeed.
If you are a loan or credit provider from a major financial institution and would like to learn more about referring your clients to us for a loan, please contact any of our lending officers directly through the Staff Page, or reach out through info@businessimpactnw.org.
99% of the small business loans we provide are to clients deemed unbankable by traditional funders.

this is a grey bar
About our loans
Credit score:
650+ preferred; exceptions made for low 600's with mitigating factors (divorce, medical debt, BK after 48 mo)
Cash Flow:
Debt Service Coverage: 1.1:1
Capital:
10%-15% into business/project
Collateral:
$25,000 and below UCC filing
$25,000+ collateral is needed
Capacity:
Startup: industry knowledge and a business plan with break even at 12 mo and profitability at 18 mo
Established: profitable at least 1 of past 2 years
Funding range:
$5,000 to $500,00.
Average interest rate:
10-13%
Average business size:
$300,000 revenue
5-7 employees
Typical ask:
$35,000-$125,000
For early stage (<5 years) businesses
What makes us different
- We fund established businesses AND startups
- We have technical assistance resources to help clients improve areas of their business plan and financial statements so they can become more qualified applicants
- There are no automatic declines. Every loan is evaluated on its own merits
- We refer to our resource partners when areas of credit, capacity, or character need attention
- We keep our interest rates reasonable while working with clients to understand how a loan will affect their business. This means our interest rates are significantly less “expensive” than a credit card, cash advance, or a predatory form of lending, while also providing knowledge of risk and return for the client.
- We are a non-profit, providing loan thanks to USDA RMAP, USDA IRP, SBA microloans, full SBA 7A, SBAexpress, RIBA free, and outside private sources including individuals, organizations/corporations, and financial institutions.
Send your client to our Fund Your Business page, or directly to our Pre-Qualification Application today!
this is a grey bar
OUR REFERRAL NETWORK
- Bank of America
- Banner Bank
- BECU
- Beneficial State Bank
- Bunker Labs
- Cascade Bank
- Chase Bank
- City of Bellevue
- City of Seattle
- City of Tacoma
- Columbia Bank
- Department of Commerce
- Development Fund
- El Centro de la Raza
- Harborstone Credit Union
- Heritage Bank
- Home Street Bank
- Jump Start
- Mercy Corps
- Pacific Bank
- People’s Bank
- PTAC
- Rainier Valley Community
- Rotary Club
- SBDC
- SCORE
- Seattle Public Library
- StartZone
- Umpqua Bank
- Union Bank
- US Bank
- Ventures
- Viking Bank
- Washington Federal
- Wayfind Legal
- Wells Fargo
- Wells Fargo
- Whidbey Island Bank
Want to see your name here? Contact us!