Washington Market
Washington is the most economically diverse state on the West Coast outside California. Seattle is home to Amazon, Microsoft, Boeing, Starbucks, and Costco. The tech ecosystem creates massive demand for commercial services — construction, healthcare, restaurants, and professional services all thrive in the Puget Sound metro.
But Washington's economy extends far beyond Seattle. Tacoma is a major port and logistics hub. Spokane anchors the Inland Northwest with healthcare and agriculture. The Tri-Cities drive energy and federal contracting. Olympia is the state capital with steady government demand.
No state income tax makes Washington attractive for businesses, but high commercial rents in Seattle, construction costs, and competition for labor mean capital needs are constant. The businesses that win here are the ones who access capital fast — not the ones waiting 90 days for a bank to process a loan on a South Lake Union property that'll be gone in a week.
Real Results
Real financing scenarios for Washington businesses. Every number is based on actual transactions through our lender network.
$6.2M acquisition of a 35,000 sq ft mixed-use building in South Lake Union. Tech office tenants on 5-year leases. Capital stack: $4M SBA 504, $1.5M conventional, $700K renovation. DSCR: 1.55x. Closed in 25 days.
$6.2M capital stack → South Lake Union → 25 days
$3.8M capital stack for an aerospace composites manufacturer expanding to serve Boeing's supply chain. $2.2M equipment line, $1.1M facility expansion (SBA 504), $500K working capital.
$3.8M funded → 3 products → Boeing supply chain
$2.2M to acquire a multi-location dental practice on the Eastside. 7 operatories, $3.5M annual revenue. SBA 7(a) with 10% down. Microsoft and Amazon employee base drives demand.
$2.2M funded → 10% down → Eastside tech corridor
$900K for a restaurant group opening in Capitol Hill. Full buildout + equipment + 4 months working capital. SBA 7(a) with 10% down.
$900K funded → 10% down → Capitol Hill location open
$2.8M fleet expansion for a container drayage company serving the Port of Tacoma. 12 trucks + chassis. Equipment financing at 10% down across two lenders.
$2.8M funded → 10% down → port-ready fleet
$1.3M in medical imaging equipment for a regional health system. 10% down ($130K). Section 179 deducted $1.3M. Tax savings: $481K at 37%.
$1.3M equipment → $130K down → $481K tax savings
“South Lake Union moves fast. We had 5 days to commit to a $6.2M property or lose it. Basecamp structured the capital stack across three lenders and closed in 25 days. Our bank was still processing the application.”
— Real estate investor, Seattle WA
Get Started
One application — 60 seconds. 70+ lenders compete. Your dedicated specialist presents your best options.
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
No hard credit pull · No obligation · Estimate only
Industries We Fund
Amazon, Microsoft, and thousands of tech companies in the Puget Sound. The ecosystem creates massive demand for capital across commercial services.
✈️Boeing's largest facilities. Blue Origin. Hundreds of aerospace suppliers across the Puget Sound and Everett corridor.
🦷UW Medicine, Swedish, Providence. Seattle's tech workforce drives premium healthcare demand. Practice acquisitions are competitive.
🏗️Seattle's $15B+ construction boom. Commercial, residential, and infrastructure development across the Puget Sound.
🍽️Seattle's nationally ranked food scene — Capitol Hill, Ballard, Pike Place. Restaurant groups expanding across the metro.
🚛Port of Seattle/Tacoma — #4 US container port. Container drayage, freight, and logistics demand is constant.
🏭Aerospace composites, food processing, wood products. Washington manufacturing is driven by Boeing's supply chain.
📦Port of Seattle/Tacoma drives import distribution. Amazon's supply chain creates warehousing and wholesale demand.
⚖️Seattle is the largest legal market in the Pacific Northwest. Corporate, tech IP, real estate, and maritime law.
Market Data
| Metro | 2025 CRE Lending Vol | Hottest Sector | Avg Transaction | Vacancy Trend |
|---|---|---|---|---|
| Seattle Metro | $4.5B | Tech office/multifamily | $4.8M | Stabilizing |
| Eastside/Bellevue | $1.5B | Tech office/medical | $3.5M | Stable |
| Tacoma | $650M | Industrial/port | $2.2M | Declining |
| Spokane | $350M | Medical/industrial | $1.2M | Stable |
| Tri-Cities | $180M | Energy/federal | $900K | Stable |
Washington CRE is driven by Seattle's tech ecosystem, Bellevue's Eastside boom, and Tacoma's port-adjacent industrial market. Pre-structured financing is the difference between closing and losing in the Pacific Northwest's competitive market.
Structure your Washington financing →By City
City-specific funding guides with local market data, funded scenarios, and lender insights.
Whether you're a growing startup or a multi-million-dollar operation, we match you with the right product and amount.
$10K – $1M
Revenue-based funding for working capital, equipment, and growth. Most fund in 1–3 days.
See What You Qualify For →$1M – $5M
Structured financing with capital stacking. Dedicated commercial specialist. Multiple lenders optimized.
Talk to a Commercial Specialist →$5M – $10M+
Complex transactions. Multi-lender capital stacks. Acquisitions, CRE, fleet buildouts. Dedicated team.
Request a Financing Review →Products
Every product available through our 70+ lender network. Each links to a detailed product page.
Flexible cash to cover operations, payroll, and growth.
Draw funds as needed. Only pay interest on what you use.
Finance or lease equipment with the asset as collateral.
Government-backed loans with competitive rates and long terms.
Get paid today on invoices due in 30–90 days.
Repayments flex with your daily or weekly revenue.
Lump sum with fixed monthly payments over 6 months–10 years.
Advance on future card sales. Fast funding, flexible repayment.
Finance property purchases, renovations, or refinancing.
Funding built for franchise acquisitions and expansions.
Acquire a competitor, buy a practice, expand your portfolio.
Fund large orders before you fulfill them. The PO is the collateral.
Requirements
Most Washington businesses qualify. Here's what you need to get started.
Based on your last 4 months of bank deposits
Minimum time in business for most products
Dedicated business account required
Proof your business is registered
Driver's license or passport
Lenders for every credit profile
FAQ
Our team works with Washington business owners from Seattle to Spokane every day. The pattern is almost always the same — they're growing fast, there's a South Lake Union property or Boeing subcontract opportunity with a deadline, and their bank is quoting 60-90 days. Washington's construction sector doesn't wait. When a $6.2M mixed-use building has multiple offers, you need capital structured and ready to close.
Here's what works in Washington: capital stacking. A $6.2M commercial acquisition isn't one bank's problem — it's an SBA 504 for the building, conventional financing for the gap, and a renovation line for tenant improvements. For healthcare practices on the Eastside, SBA 7(a) with 10% down beats corporate offers every time. Run your numbers through our loan cost calculator first.
Washington's no state income tax draws businesses from across the country, but the cost of doing business in Seattle and the Eastside means capital needs are constant. Trucking companies serving the Port of Tacoma need fleet capital fast. Our commercial funding calculator helps you see what a capital stack looks like before you apply.
Bobby Friel
Founder, Basecamp Funding
One application. 70+ lenders compete. Your dedicated specialist presents your best options.
No credit impact · No obligation · 60 seconds
