Business Loans

Photo of an Open sign on the door of a business.Our experienced Business Lenders are local banking veterans who are familiar with the market area and the needs of businesses in the Pacific Northwest. Whether you're just getting your business up and running or looking to expand, you will find flexible, business loan solutions created to meet your needs.

Loan Solutions for Your Business

Commercial Construction Loans

Financing for apartments, office buildings, restaurants and all types of commercial properties.

At Timberland Bank, no two Commercial Construction Loans are alike.  We offer construction financing for apartments, office buildings, restaurants and all types of commercial properties. Each Commercial Construction Loan is tailored to fit your property type, occupancy and cash flow.

While the specifics of each loan vary, all commercial construction loans include

  • Competitive variable rates
  • Interest-only payments during construction phase

Business Line of Credit

An excellent choice to meet short-term financing needs.

Timberland's Business Line of Credit provides our customers the flexibility and support for the working capital needs of your company.

Lines of credit are routinely utilized for short-term financing needs, like working capital, short term payroll, trade discounts, small equipment or inventory purchases. More benefits of a Business Line of Credit include:

  • Convenient access to funds
  • Competitive variable rates
  • Interest charged only on the portion of your line that your business is using
  • Easy access to funds

Secured Term Loans

A great option for businesses seeking new vehicles, equipment or other asset funding.

Timberland Bank's Secured Term Loans are single disbursement loans primarily designed for customers seeking funds for the purchase of equipment, vehicles and other purposes unique to each business.

A Secured Term Loan offers fixed and variable rates with flexible terms and:

  • Enables businesses to maintain available credit on their short term credit lines
  • Secured Term Loans are secured by purchased assets, general business assets, titles or cash

Business Acquisition Financing

Let us help you expand your business!

If you are looking to buyout a partner or acquire another company, let our experienced Business Lenders help you grow. Timberland Bank's Business Acquisition Financing includes:

  • Flexible payment plans
  • A mix of equity and debt
  • SBA options available for low down payments

Commercial Real Estate Financing

Your source for purchasing or refinancing business real estate.

Timberland's Commercial Real Estate Loans are available to purchase or refinance our customer's buildings. We offer financing for both Owner, Non-Owner occupied and investment properties.

Our Commercial Real Estate lending options include:

  • Amortization schedule up to 30 years
  • Competitive rates and terms
  • SBA 504 Loans available for lower down payment requirements
  • Commercial Real Estate Line of Credit also available

SBA 7(a)

This flexible SBA program is a popular choice for small businesses.

This SBA lending program helps provide working capital for business needs, from general operation expenses to expansions. Whether purchasing new equipment, real estate growth or working capital, this SBA business loan has the flexibility you're looking for.

Features include:

  • Longer loan terms
  • No balloon payments

SBA 504

A great choice for owner-operated, for-profit businesses.

Through this SBA lending program, business owners can receive up to 90% financing for the purchase, construction, and renovation of owner-occupied real estate or for purchasing machinery and equipment.

Features of this loan product include:

  • Fixed rates available at 10, 20 and 25 year
  • Up to 90% financing

SBA Express

An easy application process and accelerated approval times make this a popular choice for small businesses.

Of all of the SBA lending programs, the SBA Express Loan or Line of Credit features the easiest SBA application process and accelerated approval times. Plus, it offers longer terms and lower down payment requirements than conventional loans. In addition, the SBA Express program provides:

  • Accelerated approval
  • Flexible repayment terms

Business Credit Cards

Looking for assistance with everyday spending? We've got you covered.

In addition to our business lending products and services, we can also help with everyday spending for your business with flexible credit card options:

  • VISA Business Bonus Rewards Card: Manage your spending and cash flow while earning cash back or other rewards
  • VISA Business Bonus Rewards PLUS Card: Earn additional cash back and other rewards for your everyday spending
  • VISA Business Card: A solution for everyday business expenses

The Local Lending Difference

Your financial needs are unique to you and your business— and we understand that. We think of our business customers as our partners and take time to learn about you, your business and the future of your company. When you partner with Timberland Bank, you will benefit from:

  • Local decision making

  • Flexible loan programs

  • Experienced Business Lenders on hand to help your business succeed

  • Help and resources available every step of the way

We look forward to getting to know you, your business and your goals for the future of your company.