Kitsap County, Washington
SBA loans in Kitsap County
Bremerton, Port Orchard, Poulsbo, Bainbridge Island, Silverdale and communities across Kitsap 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 Kitsap County
Financing for Kitsap County business owners
Set between Puget Sound and the Olympic Mountains, Kitsap County is home to Bremerton, Port Orchard, Poulsbo and Bainbridge Island. Its economy blends naval infrastructure, maritime trades, tourism and local services, from shipyard contractors in Bremerton to shops in downtown Poulsbo, with ferry access to Seattle and Naval Base Kitsap close by.
Many Kitsap businesses serve the military and maritime economy or the communities around it, and owners here often look to buy the building they operate from or to acquire an established local company. SBA 7(a) and 504 loans offer lower down payments than many conventional loans, which helps owners keep cash in the business.
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 Kitsap 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.
A few examples of how we help businesses in this county
We love helping local businesses!
| Industry | Loan amount | Jobs retained |
|---|---|---|
| Durable Goods Merchant Wholesalers | $1,175,500 | 16 |
| Full-Service Restaurants | $582,500 | 26 |
| Amusement and Recreation | $215,000 | 1 |
Local SBA resources for Kitsap County
SBA Seattle District Office
Kitsap 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, Kitsap County owners can work with the Washington Small Business Development Center. A solid plan and clean projections make any SBA application stronger.
Is your Kitsap 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 Kitsap County borrowers
Do I need a lender with a branch in Kitsap 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 Kitsap 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 Kitsap 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 28, 2026