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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.

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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
10%-15% into business/project
$25,000 and below UCC filing
$25,000+ collateral is needed
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:
Average business size:
$300,000 revenue
5-7 employees
Typical ask:
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!

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  • 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
  • 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!

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