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SBA 504 Loan Program

The Northwest Business Development Association (NWBDA) provides long-term small business loans at low, fixed rates to help develop job creation and economical growth. As a licensed Certified Development Company (CDC) by the U.S. Small Business Administration (SBA), NWBDA is able to administer small business loans through the SBA 504 programs. Learn more and apply for a loan here.

Community Development Loan Fund

The Heritage Bank Community Development Entity finances businesses in economically­ stressed areas, breathing new life into neglected and underserved low income communities. Heritage Bank formed its own Community Development Entity (CDE) to expand the financing we bring to businesses in low-income communities in Washington and Oregon. It is one of only a handful of CDEs in both states able to facilitate these loans.

Heritage Bank uses its own capital to make loans to businesses operating in these communities on better rates and terms with more flexibility than the market. In alignment with its commitment to the communities it serves, these loans aim to revitalize development by creating jobs and increasing the availability of goods and services in economically distressed areas. Click here to learn more.

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Community Economic Revitalization Board (CERB) Program

This Washington State program provides low-cost financing for public facilities improvements required for private development. Low-interest loans and occasional grants are available to cities, counties, ports, and special utility districts to offset infrastructure costs and assist in the development and retention of jobs.  Eligible projects include access roads and sewer and water extensions as well as other public improvements required to make sites attractive for private sector development.  Infrastructure funded by CERB must serve either basic industries (manufacturing, processing, assembly, production, warehousing, and distribution) or external services (businesses that support the trading of goods and services outside state borders).  More information is available at:

Energy Efficiency Loans

The Washington State Housing Finance Commission offers Sustainable Energy Trust loans of up to $1 million for clean energy projects, as well as energy efficiency projects for multi-family housing and non-profit organizations, and on new construction of highly efficient single-family housing.  More information is available through the WSFHC.

Clean Energy Fund

Washington State’s Clean Energy Fund supports the development, demonstration and deployment of clean energy technologies that save energy, reduce energy costs, reduce harmful air emissions and increase energy independence.  Programs include financing opportunities for renewable energy manufacturing facilities, matching funds for renewable energy research and development, and grants supporting non-profit revolving loan fund programs.  More information is available through the Washington State Department of Commerce.

New Farmer Loans

The Washington State Housing Finance Commission, in partnership with Northwest Farm Credit Services, provides low-interest loans to help new farmers get started with land, equipment, buildings, and even animals.  More information is available through the WSFHC.

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