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Heritage Bank (WA)

Heritage Bank (WA)

Advertising Agencies All Other Professional, Scientific, and Technical Services All Other Specialty Trade Contractors Beauty Salons Child and Youth Services Computer and Computer Peripheral Equipment and Software Merchant Whole Employment Placement Agencies Engineering Services Fabricated Structural Metal Manufacturing Farm Machinery and Equipment Manufacturing Footwear Manufacturing General Freight Trucking, Long Distance, Truckload Limited-Service Restaurants Offices of Mental Health Practitioners (except Physicians) Offices of Other Holding Companies Offices of Real Estate Agents and Brokers Other Grocery and Related Products Merchant Wholesalers Pet Care (except Veterinary) Services Security Systems Services (except Locksmiths)

Asset Base Working Capital Line (CAPLine)

Change of Ownership

Existing or more than 2 years old

Fixed Rates

Loan Funds will Open Business

# New Business or 2 years or less

# Preferred Lenders Program

# SBA Express Program

# Startup

# Variable Rates

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SBA Loan Approvals as of 6/30/25 37

SBA Loans Total Approval Amount as of 6/30/25 $31,607,300

Average SBA Loan Size as of 6/30/25 $854,251

Average SBA Loan Rate over Prime (Prime is 7%) 1.14

Unlock Your Financial Potential with Heritage Bank (WA)

Heritage Bank, headquartered in Olympia, Washington, is one of the Pacific Northwest’s most trusted financial institutions and a proud SBA Preferred Lender. With over 95 years of experience, Heritage Bank is committed to helping small businesses throughout Washington, Oregon, and beyond access flexible financing, personalized guidance, and long-term financial success through SBA loan programs.

Key Features of Heritage Bank

Comprehensive Business Banking: Full-service business checking and savings accounts, treasury management, merchant services, and digital banking tools to keep your operations running efficiently.
SBA Loan Expertise: As an SBA Preferred Lender, Heritage Bank offers SBA 7(a), 504, and SBA Express loans — providing affordable, long-term, government-backed financing for working capital, real estate, and equipment.
Regional Strength, Local Decision-Making: Heritage Bank serves clients across the Pacific Northwest with localized decision-making and experienced business bankers who understand the area’s industries and economy.
Tailored Commercial Lending: Beyond SBA programs, Heritage Bank provides term loans, commercial real estate financing, and lines of credit customized to your business needs.
Commitment to Community and Growth: Deeply involved in the communities it serves, Heritage Bank supports small business development, local nonprofits, and initiatives that promote economic vitality.

Why Choose Heritage Bank for SBA Loans?

Heritage Bank combines the financial strength of a leading regional institution with the personal attention of a community lender. As an SBA Preferred Lender, Heritage can approve and fund loans faster than traditional banks — helping business owners access the capital they need without unnecessary delays. Whether you’re buying a building, expanding operations, or refinancing existing debt, Heritage provides the partnership and expertise to help you grow with confidence.

How to Get Started

Ready to expand your business with an SBA loan or other financing solution? Visit the Heritage Bank SBA Lending page to explore available programs, review eligibility, and connect with a local SBA lending expert.

Empower your financial future today with Heritage Bank — where Northwest businesses find trusted partners for long-term success.