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Business Loans

Flexible options to finance your business expenses.

Find the loan that suits your business financing needs.

Business Lines of Credit

Give your business the flexibility of extra cash when you need it. Whether it’s inventory, operating expenses or future project costs, a business line of credit can give you the money to keep moving forward.

  • Flexible Funds
    You decide when you use funds and how much to borrow from your credit limit.
  • Quick Access
    Transfer your available funds from your Sound account when you need them.
  • Easy Repayment
    Make easy, interest only payments on what you borrow for a minimum of 12 months.
  • Borrowing Options
    Secured and unsecured lines of credit are available with borrowing limits as low as $5,000.

Get your flexible Business Line of Credit

Business Term Loans

Purchase new equipment, fund a business expansion or acquisition, or refinance debt. Business term loans offer you a lump sum you can use to fund major purchases, make improvements and renovations, or take advantage of new business opportunities.

  • Longer Term Financing
    Flexible financing available for up to 84 months.
  • Competitive Fixed Rates
    Manage your budget with a guaranteed rate and fixed payment.
  • Purchase or Refinance
    Whether you’re making a new purchase or just looking for a new rate, we can help you get financing.
  • SBA Loan Funding Available
    Qualifying businesses could benefit from even lower rates and longer terms through the Small Business Administration (SBA) loan program.

Sign up for a Business Term Loan

Vehicle Loans

Keep your business moving with a commercial vehicle loan. We offer financing on large specialty vehicles as well as business passenger vehicles.

  • Purchase or Refinance
    Whether you’re shopping for a new vehicle or new rate, we can help you get financing on your vehicle.
  • Competitive Fixed Rates
    Manage your budget with a guaranteed rate and fixed payment.
  • Longer Terms
    Flexible financing available for up to 84 months.
  • SBA Loan Funding Available
    Qualifying businesses could benefit from even lower rates and longer terms through the Small Business Administration (SBA) loan program.

Sign up for a Business Vehicle Loan

Commercial Real Estate

Ready to buy your new business location? Our Business Loan Officers will work with you, one-on-one, to find the right financing for your property.

  • Flexible Financing
    We’ll help you find the financing option that works best for your property.
  • Multiple Property Options
    Purchase or refinance your office or retail building, warehouse or industrial facility, or multi-family complex.
  • Competitive Rates and Terms
    We offer flexible terms and competitive rates on both owner and non-owner occupied properties.
  • SBA Loan Funding Available
    Qualifying businesses could benefit from even lower rates and longer terms through the Small Business Administration (SBA) loan program.

SBA Lending

Small Business Administration (SBA) loans are designed to help small businesses get more access to the funds they need to grow. Backed in part by the U.S. government, SBA loans offer lower down payments and longer terms.

As a Preferred SBA lender, we underwrite and approve our own loans, meaning we can yet you to “Yes” faster.

Learn more about SBA lending »

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Why choose Sound?

Personal Service

You’re building a successful business and we’re right there with you. From applying, to funding, and beyond, our Business Services team is here to help you grow.

Competitive Rates

As a credit union, our borrowers benefit from lower rates and fees. Plus, with access to programs like SBA loans, you can benefit from even lower rates and longer terms.

Anytime Access

With online and mobile banking, 24 full-service branches, plus over 5,000 shared branching locations and 30,000 surcharge-free ATMs, you can manage your business from almost anywhere.


Talk with Our Business Lending Team

Whether you’re applying for a loan or have a quick question, our Business Loan Officers are here to help.

  • smiling man wearing tie
    Scott Higgins Business Loan Officer - North Sound Branches

    Bellevue, Bothell, Burien, Downtown Seattle, First Hill (Seattle), Lynnwood, Redmond, Shoreline, Southcenter, West Seattle

  • smiling man in suit and tie
    Ryan Horan Business Loan Officer - South Sound Branches

    Auburn, Bonney Lake, Downtown Tacoma, Federal Way, Gig Harbor, Kent, Key Center, Lakewood, Olympia, Pacific Avenue (Tacoma), Parkland, Puyallup, Tumwater, Westgate

Request to be contacted by a Business Services Representative

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