King County, Washington
SBA loans in King County
Seattle, Bellevue, Kent, Renton, Federal Way and communities across King County.
Business acquisitions, owner-occupied commercial real estate and working capital, from a commercial banker with more than 27 years of experience.
27+ years
Business banking experience at small and large banks and credit unions
$250,000–$5 million
Owner-occupied commercial real estate and business acquisition loans Paul helps with most
Seattle
SBA office serving King County
Financing for King County business owners
Home to Seattle and a network of growing communities, King County has one of the most dynamic small business economies in the country, supported by a highly educated workforce, major highways, international ports and Sea-Tac Airport. From tech companies in Bellevue to family-owned shops in Renton, owners here are building, buying and expanding.
Commercial rents in Seattle and on the Eastside are among the highest in the Pacific Northwest, which is why so many established owners look at buying their building instead. An SBA 504 or 7(a) loan can let an owner-occupied business buy commercial real estate with a lower down payment than many conventional loans, turning monthly rent into equity. King County is also an active market for business acquisitions, where SBA financing helps buyers bridge the gap between a seller’s asking price and the cash they have on hand.
Paul and his team travel to each county when needed. That means Paul can walk a property or sit down with a buyer and seller while a deal comes together.
What Paul finances in King County
Business acquisitions
Stock and asset purchases, financed with SBA 7(a) loans from first offer to closing.
Commercial real estate
Buy or refinance the building your business operates from, with a lower down payment than many conventional loans.
Local SBA resources for King County
SBA Seattle District Office
King County is served by the SBA Seattle District Office.
2401 4th Ave., Suite 450, Seattle, WA 98121 · 206-553-7310 (by appointment)
Free business advising
For no-cost help with a business plan, projections or a purchase, King County owners can work with the Washington Small Business Development Center. A solid plan and clean projections make any SBA application stronger.
Is your King County project a good fit?
Paul helps best with projects that have one of these
- Business annual sales from $500,000 to $20 million
- Owner-occupied commercial real estate (51% or more) and business acquisitions with loan amounts from $250,000 to $5 million
- A business operating for more than 2 years, with loan needs above $50,000
- A goal of using an SBA loan’s low down payment to keep cash in the business
Paul has a difficult time helping
- New businesses (under 2 years in business)
- Land purchases where there is no construction or the land is not used for business purposes
- Businesses outside of the Pacific Northwest
Common questions from King County borrowers
Do I need a lender with a branch in King County?
No. SBA lenders can finance businesses across the areas they serve, and much of the process happens by phone, email and secure document upload. Paul and his team travel to each county when needed.
Do SBA lenders care more about collateral or cash flow?
Cash flow. That said, many SBA lenders also want some level of collateral. Most lenders have their own risk tolerance when it comes to lending without collateral.
How long does the process take?
It depends on the project. A real estate purchase or business acquisition typically takes 45 to 65 days from the time you first connect with your lender. Getting the lender what they need as soon as possible makes for a faster experience.
Which SBA office covers King County?
The SBA Seattle District Office. You do not apply to the SBA directly for a 7(a) or 504 loan, though. You apply through a lender, and the lender works with the SBA on your behalf.
Where Paul lends
Paul helps business owners across Washington, Oregon and Idaho. Select a county to see its local SBA resources.
Washington
Oregon
Tell Paul what you are trying to buy in King County.
Start with a conversation about the building, the business or the equipment you have in mind.
Paul is not a loan broker. He works for a financial institution that is a direct lender.
Last updated October 25, 2026