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Business Loans

Commercial Real Estate

Flexible options to finance your company expenses.

Commercial real estate financing for a wide range of properties.

Ready to elevate your business location? Sound will work with you, one-on-one, to find the right financing.

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Flexible Financing

We’ll help you find the financing option that works best for your property.

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Multiple Property Options

Purchase or refinance your office, retail building, warehouse/industrial facility, multi-family complex, or other property.

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Competitive Rates and Terms

We offer flexible terms and competitive rates on both owner and non-owner occupied properties.

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SBA Loan Funding Available

Qualifying businesses could benefit from longer terms, lower down payments, and more through the Small Business Administration (SBA) loan program.

Backed in-part by the U.S. Government

SBA Loans

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 get you to “Yes” faster.

Read More about Preparing a SBA Loan Application
Commercial Loans Long form Text

Why choose Sound?

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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.

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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.

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Anytime Access

With online and mobile banking, several dozen full-service branches across the Puget Sound, 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.

Ryan Horan Sound Credit Union Business Lending Manager

Ryan Horan

Business Loan Production Manager
Tony Phillips Business Loan Officer

Tony Phillips

Business Loan Officer

Serving Auburn, Bonney Lake, Downtown Tacoma, Federal Way, Gig Harbor, Graham, Kent, Key Center, Lakewood, Olympia, Pacific Ave, Parkland, Puyallup, Westgate

Ben Reed, Sound Credit Union, Business Loan Officer

Ben Reed

Business Loan Officer

Serving Alderwood, Bellevue, Bothell, Burien, Edmonds, Everett, Lynnwood, Mukilteo, Redmond, Shoreline, Southcenter and West Seattle.

Request to be contacted by a Business Loan Officer

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Want to be money smart? We've got your back.

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Business Growth Guide

If you’re ready to take your business to the next level, this Business Growth Guide will help. Continue reading

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Calculator: Calculate a Business Loan Payment

Use this commercial loan calculator to determine the total amount of your loan (principal + interest) and how much you have to contribute monthly to pay it off by the end of the loan term. Continue reading

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Protecting Your Business: Protecting and Valuing Your Intangible Assets

Businesses with intangible assets tend to be worth more than those that don’t. Continue reading


All business loans are subject to credit approval. Personal guarantee required for all business loans.