Small Business Loans WA
Flexible options to finance your business expenses.
Find the loan that suits your business financing needs.
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, retail building, warehouse/industrial facility, multi-family complex, or other property.
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 longer terms, lower down payments, and more through the Small Business Administration (SBA) loan program.
Contact a Business Loan Officer for Commercial Real Estate ≥ $500,000.
Get Started
Commercial Real Estate $50,000 to $500,000
Apply online
Commercial Real Estate ≤ $49,999
Apply onlineBusiness 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.
- Competitive Rates
Get financing to fit your needs. - 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 longer terms, lower down payments, and more through the Small Business Administration (SBA) loan program.
Sign up for a Business Term Loan
Contact a Business Loan Officer for Business Term Loans ≥ $500,000
Business Term Loans $50,000 to $500,000
Apply onlineBusiness Term Loans ≤ $49,999
Apply onlineVehicle Loans
Keep your business moving with a commercial vehicle loan. We offer financing on large specialty vehicles as well as business passenger vehicles, trucks and autos.
- Purchase or Refinance
Whether you’re shopping for a new vehicle or new rate, we can help you get financing on your car, truck, van or specialty vehicle. - Competitive Rates
Get financing to fit your needs. - SBA Loan Funding Available
Qualifying businesses could benefit from longer terms, lower down payments, and more through the Small Business Administration (SBA) loan program.
Sign up for a Business Vehicle Loan
Contact a Business Loan Officer for Business Vehicle Loans ≥ $500,000
Get startedBusiness Vehicle Loans $50,000 to $500,000
Apply OnlineBusiness Vehicle Loans ≤ $49,999
Apply OnlineBusiness 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. - SBA Loan Funding Available
Qualifying businesses could benefit from longer terms, lower down payments, and more through the Small Business Administration (SBA) loan program.
Get a flexible Business Line of Credit today!
Contact a Business Loan Officer for Business Lines of Credit ≥ $500,000
Get startedBusiness Lines of Credit $50,000 to $500,000
Apply onlineBusiness Lines of Credit ≤ $49,999
Apply onlineSBA 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 get you to “Yes” faster.

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, 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

Ben Reed
Serving Alderwood, Bellevue, Bothell, Burien, Edmonds, Everett, Lynnwood, Mukilteo, Redmond, Shoreline, and Southcenter (Tukwila).

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

Wendi Plain
Serving All Puget Sound Branches, Everett to Olympia.
Request to be contacted by a Business Loan Officer
"*" indicates required fields
Want to be money smart? We've got your back.

Assessing a New Market for Viability
Assessing growth potential in new markets requires some common sense, critical thinking and analysis. Continue reading

Business Financial Health Check
Use our Financial Health check to find out the key business drivers to better succeed in your business. Continue reading

Business Growth Guide
If you’re ready to take your business to the next level, this Business Growth Guide will help. Continue reading
Disclosures
All business loans are subject to credit approval. Personal guarantee required for all business loans.
* Check Business Loan Application Status available on business loans $50,000 or less.