Commercial Lenders in Washington
Browse 167 lenders serving Washington across DSCR, SBA, bridge, construction, hard money, and more.
Washington Lenders by Loan Type
DSCR Loans
7.0% - 9.5% · 20-25% downSBA 7(a) Loans
Prime + 1.5% to 3.75% · 10-20% downSBA 504 Loans
Below market (CDC portion ~5-6%) · 10% downBridge Loans
8% - 12% · 20-30% downConstruction Loans
7% - 10% · 20-35% downCommercial Mortgage
6% - 8% · 20-30% downHard Money Loans
9% - 12%+ · 10-25%+ cash in downCMBS Loans
5.5% - 8% · 25-35% downMezzanine Loans
6.75% - 11.97% · Often 10-25% sponsor equity downUSDA Business Loans
Fixed or variable, negotiated with lender · 10% existing business, 20% new business downNon-QM Loans
6.5% - 10% · 10-25% downAll Washington Lenders
167 commercial lenders serving Washington.
Banner Bank
SBAWALLA WALLA, WA
Pacific Northwest regional bank headquartered in Walla Walla, Washington. Offers SBA 7(a) loans, commercial real estate, agricultural lending, and business banking across Washington, Oregon, Idaho, and California.
Broadmark Realty Capital
Seattle, WA
Private real estate lender offering bridge, construction, and land loans. Now part of Ready Capital. Loans from $500K to $25M+.
Evergreen Business Capital
SBASeattle, WA
Gesa CU
SBARichland, WA
Washington Trust Bank
SBASPOKANE, WA
Mountain Pacific Bank
SBAEVERETT, WA
Heritage Bank
SBAOLYMPIA, WA
Northwest Business Development Association
SBASpokane Valley, WA
Ameritrust CDC
SBAEdmonds, WA
Sound Credit Union
SBATACOMA, WA
WaFd Bank
SBASEATTLE, WA
Harborstone CU
SBALAKEWOOD, WA
Peoples Bank
SBABELLINGHAM, WA
Fibre FCU
SBALONGVIEW, WA
1st Security Bank of Washington
SBAMOUNTLAKE TERRACE, WA
Coastal Community Bank
SBAEVERETT, WA
Numerica CU
SBASPOKANE VALLEY, WA
Timberland Bank
SBAHOQUIAM, WA
Live Oak Banking Company
SBAWILMINGTON, NC
One of the nation's top SBA 7(a) lenders, specializing in lending to small businesses across healthcare, veterinary, beverage, self-storage, and other industries. Offers SBA loans, USDA loans, conventional business loans, and commercial real estate financing.
The Huntington National Bank
SBACOLUMBUS, OH
Major regional bank and consistently one of the top SBA lenders in the country by number of loans. Offers SBA 7(a) and 504 loans alongside conventional business lending, commercial real estate, and treasury management services.
Newtek Bank, National Association
SBAMiami, FL
Technology-driven SBA preferred lender providing 7(a) loans to small and medium-sized businesses nationwide. Part of Newtek Business Services Corp, offering integrated business solutions including lending, payments, and technology services.
U.S. Bank, National Association
SBACincinnati, OH
Fifth-largest commercial bank in the U.S. and a top SBA preferred lender. Offers SBA 7(a) and 504 loans, conventional commercial lending, commercial real estate, and a full suite of business banking products.
Celtic Bank Corporation
SBASALT LAKE CITY, UT
Industrial bank and top SBA preferred lender headquartered in Salt Lake City. Specializes in SBA 7(a) lending for business acquisitions, partner buyouts, commercial real estate, and working capital. Also offers USDA business loans.
Harvest Small Business Finance, LLC
SBALaguna Hills, CA
Non-bank SBA preferred lender specializing in SBA 7(a) loans for commercial real estate acquisition and refinancing. Focuses on owner-occupied commercial properties with loans up to $5 million.
US Metro Bank
SBAGARDEN GROVE, CA
Community bank serving Southern California's diverse business community. A top SBA 7(a) lender specializing in commercial real estate and business acquisition loans, with particular strength in the Korean-American business community.
Readycap Lending, LLC
SBABERKELEY HEIGHTS, NJ
Non-bank SBA preferred lender offering SBA 7(a) and 504 loans nationwide. Specializes in commercial real estate, business acquisition, and expansion financing for small businesses. Known for fast closings and flexible underwriting.
Bank of Hope
SBALOS ANGELES, CA
One of the largest Korean-American banks in the U.S. and a top SBA 7(a) lender. Offers commercial real estate loans, SBA lending, trade finance, and full-service commercial banking with branches across major metro areas.
Wells Fargo Bank National Association
SBASioux Falls, SD
One of the largest banks in the U.S. and a major SBA preferred lender. Offers the full range of SBA programs including 7(a) and 504 loans, alongside conventional commercial lending, commercial real estate, and equipment financing.
First Bank of the Lake
SBAOsage Beach, MO
Community bank based at the Lake of the Ozarks and a top SBA 7(a) preferred lender. Specializes in SBA lending for business acquisitions, commercial real estate, and partner buyouts. Known for lending to franchises and hospitality businesses.
United Midwest Savings Bank National Association
SBADE GRAFF, OH
Community bank and SBA preferred lender based in Ohio. Specializes in SBA 7(a) loans for small businesses, including business acquisitions, commercial real estate, and working capital financing.
Complete Washington Lender Directory
All 167 commercial lenders serving Washington, A–Z.
- A&D Mortgage — Fort Lauderdale, FL
- Acore Capital — New York, NY
- Acra Lending
- Aloha Capital
- Anchor Loans — Thousand Oaks, CA
- Angel Oak Mortgage Solutions — Atlanta, GA
- Angel Oak Mortgage Solutions — Atlanta, GA
- Arbor Realty Trust — Uniondale, NY
- Arc Home
- Athas Capital Group
- Bank Five Nine — OCONOMOWOC, WI
- Bank of America — Charlotte, NC
- Bank of America, National Association — Charlotte, NC
- Barclays — New York, NY
- Berkadia — Ambler, PA
- Brookline Bank, a Division of Beacon Bank and Trust — Brookline, MA
- Byline Bank — CHICAGO, IL
- Cadence Bank — TUPELO, MS
- CalPrivate Bank — LA JOLLA, CA
- Capital Matrix, Inc. — Boise, ID
- Carrington Mortgage Services — Anaheim, CA
- Cascade Capital Funding — Salem, OR
- Cathay Bank — LOS ANGELES, CA
- CBRE Capital Markets — Dallas, TX
- CDC Small Business Finance Corp. — San Diego, CA
- CenTrust Bank, A Division of SmartBiz Bank National Associat — Northbrook, IL
- Change Lending
- Citigroup — New York, NY
- City National Bank of Florida — MIAMI, FL
- Civic Financial Services — Redondo Beach, CA
- Climate First Bank — St. Petersburg, FL
- Colony Bank — FITZGERALD, GA
- Columbia Bank — Fair Lawn, NJ
- Community Bank & Trust-West Georgia — LAGRANGE, GA
- Constitution Lending
- CoreVest Finance — Irvine, CA
- CrossCountry Mortgage — Cleveland, OH
- Cushman & Wakefield — Chicago, IL
- Deephaven Mortgage — Charlotte, NC
- Defy Mortgage
- Deutsche Bank — New York, NY
- East West Bank — PASADENA, CA
- Easy Street Capital — Austin, TX
- Enterprise Bank & Trust — CLAYTON, MO
- Evolve Bank and Trust — WEST MEMPHIS, AR
- Fifth Third Bank — CINCINNATI, OH
- Finance of America — Plano, TX
- First Business Bank — MADISON, WI
- First National Bank of America — East Lansing, MI
- First Savings Bank — Beresford, SD
- Flagstar Bank — Hicksville, NY
- GBC International Bank — LOS ANGELES, CA
- Glacier Bank — KALISPELL, MT
- Goldman Sachs — New York, NY
- Greystone — New York, NY
- Griffin Funding
- Groundfloor — Atlanta, GA
- Grow America Fund, Incorporated — NEW YORK, NY
- Gulf Coast Bank and Trust Company — NEW ORLEANS, LA
- Hanmi Bank — LOS ANGELES, CA
- Heritage Bank Inc — Burlington, KY
- HomeXpress Mortgage
- iBorrow
- Idaho Central CU — CHUBBUCK, ID
- Janover — Boca Raton, FL
- JLL Capital Markets — Chicago, IL
- JMAC Lending
- JPMorgan Chase — New York, NY
- JPMorgan Chase Bank, National Association — Columbus, OH
- KeyBank National Association — CLEVELAND, OH
- KeyBank Real Estate Capital — Cleveland, OH
- Kiavi — San Francisco, CA
- Kind Lending — Santa Ana, CA
- Leader Bank, National Association — ARLINGTON, MA
- Lending One — Boca Raton, FL
- Lendistry SBLC, LLC — Los Angeles, CA
- Lima One Capital — Greenville, SC
- LoanCore Capital — Hartford, CT
- Lument — New York, NY
- Luxury Mortgage Corp — Stamford, CT
- Merchants Capital — Indianapolis, IN
- Meridian Bank — MALVERN, PA
- Mesa West Capital — Los Angeles, CA
- Mission Valley Bank — SUN VALLEY, CA
- Monterey County Bank — Monterey, CA
- Morgan Stanley — New York, NY
- MortgageRight — Austin, TX
- New American Funding — Tustin, CA
- New Silver Lending
- Newfi Wholesale — Emeryville, CA
- Newmark — New York, NY
- North American Savings Bank — Kansas City, MO
- Northeast Bank — MINNEAPOLIS, MN
- Northmarq — Minneapolis, MN
- Northwest Bank — SPENCER, IA
- Oaktree Funding
- Open Bank — LOS ANGELES, CA
- Panhandle Area Council, Inc. — Hayden, ID
- Park Place Finance
- Pathward National Association — SIOUX FALLS, SD
- PCB Bank — LOS ANGELES, CA
- Planet Home Lending — Meriden, CT
- Platinum Bank — OAKDALE, MN
- PNC Real Estate — Pittsburgh, PA
- Port 51 Lending LLC — New York, NY
- Preferred Bank — Los Angeles, CA
- Quaint Oak Bank — Southampton, PA
- Quontic Bank — New York, NY
- RCN Capital — South Windsor, CT
- Ready Capital — New York, NY
- Residential Capital Partners
- Residential Mortgage Solutions
- Roc Capital — New York, NY
- Rocket Mortgage — Detroit, MI
- Sabal Capital Partners — Pasadena, CA
- Southwestern National Bank — HOUSTON, TX
- Sprout Mortgage — New York, NY
- Stbridge Capital — Los Angeles, CA
- Stone Bank — MOUNTAIN VIEW, AR
- TD Bank — Cherry Hill, NJ
- Temple View Capital
- The Bancorp Bank National Association — Sioux Falls, SD
- The Fidelity Bank — FUQUAY VARINA, NC
- Tidal Loans — Houston, TX
- TowneBank — PORTSMOUTH, VA
- Triad Financial Services — Jacksonville, FL
- Truss Financial Group
- United Business Bank — WALNUT CREEK, CA
- US Bank — Minneapolis, MN
- UWM (United Wholesale Mortgage) — Pontiac, MI
- Vaster — Miami, FL
- Velocity Mortgage Capital — Westlake Village, CA
- Verus Mortgage Capital — Washington, DC
- Visio Lending — Austin, TX
- Walker & Dunlop — Bethesda, MD
- Wells Fargo — San Francisco, CA
- Zions Bank, A Division of — SALT LAKE CITY, UT
Commercial Lending in Washington
Washington state's economy is powered by technology giants Amazon and Microsoft, along with Boeing's aerospace operations and the Port of Seattle's international trade. The Seattle metro has experienced transformative commercial growth driven by tech sector expansion.
Washington has no state income tax, but commercial property tax rates and the state's Business and Occupation (B&O) gross receipts tax on commercial rent income must be factored into CRE investment underwriting. Seattle's mandatory affordable housing linkage fees and the city's MHA (Mandatory Housing Affordability) requirements add costs to commercial development but also unlock additional development capacity through upzones. The state's GMA (Growth Management Act) concentrates commercial development within urban growth areas, creating supply constraints that support property values in designated centers while limiting suburban sprawl.
Key Industries
Foreclosure Type
Non-judicial
Foreclosures proceed outside the court system, typically faster (2-6 months).
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