Loan and Grant Programs

Explore funding options to finance your business goals

Find funding opportunities across Washington from federal and state loan programs to local grants and startup support. Whatever stage your business is in, there are resources designed to help you move forward

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SBA Loans - 7(a), CDC/504, CAPLine and Microloans
Federal

Multiple SBA-backed loan programs designed to support small businesses at different stages whether starting out, expanding, or purchasing assets. These options offer flexible financing through approved lenders by SBA.

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Disaster Assistance
Federal

Provides financial assistance to victims of disasters or individuals in a declared disaster area.

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SBA Export Assistance Loans - Export Express, Export Working Capital, International Trade
Federal

SBA provides specialized loans to help small businesses enter or expand in international markets. These products offer flexible funding to cover export-related expenses, strengthen competitiveness, or recover from import competition.

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SBIR & STTR Innovation Grant Programs
Federal

Competitive grant funding from 11 federal agencies. These programs offer free grant money (not loans!) to help small businesses develop and test new products, ideas, or technology.

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Small Business Investment Companies (SBICs) Program
Federal

The SBIC Program connects small businesses with private investors who are backed by SBA. These investors can provide large loans or even invest directly in your business to help you grow, scale, or expand.

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Community Development Financial Institutions Fund (CDFI)
Federal

CDFIs are local lenders that specialize in helping small businesses in low-income or underserved communities. They offer easier access to loans, grants, and tax credit programs to help you start or grow your business—even if you’ve been turned down elsewhere.

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USDA Rural Business Loans & Grants
Federal

If your business is located in a rural area, the USDA offers loans, loan guarantees, and grants to help you start, expand, or add value to your business. Funding supports job creation, innovation, farm-based products, energy upgrades, and more.

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The Export-Import Bank of the United States
Federal

The Export-Import Bank helps U.S. small businesses sell and get paid globally by offering tools that reduce export risks, unlock financing, and help you compete in international markets—even if you’ve never exported before.

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Washington State Small Business Credit Initiative
State

SSBCI provides loans to help small businesses in Washington get the money they need to start or grow. The program is run through local lenders and CDFIs, with a focus on helping very small businesses and those in underserved communities. The funds could be used for working capital, equipment, business expansion, or startup costs.

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Export Washington
State

Export Washington helps small businesses in Washington State grow by selling their products or services internationally. Through the STEP Grant and Export Voucher Program, qualified businesses can get cover export-related costs like trade shows, marketing translation, certifications, and more.

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Export Finance Assistance Center of Washington (EFACW)
State

Works with the international trade experts at the Washington State Department of Commerce to provide an integrated menu of services that help businesses implement their export strategy. Provides free export finance counseling to small and medium sized Washington exporters or prospective exporters. The funds can be used for manufacturing, recycling, processing facilities, waste disposal operations, nonprofit facilities, multi-purpose facilities (with taxable bonds)

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Start Up Washington
State

Startup 365 is your starting point if you’re new to business or exploring funding options. While it doesn’t offer direct loans or grants, it connects you to the right programs, lenders, and technical assistance to get funding-ready. It’s especially helpful for rural, underserved, or first-time entrepreneurs.

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City and Local Government Business Support
Local

Many cities and towns in Washington offer support programs for small businesses, including grants, loans, fee waivers, tax incentives, and technical assistance. These opportunities often come from city economic development departments or special initiatives funded by local, state, or federal sources. Small businesses should check with their local city hall, economic development office, or official city website to learn about available programs, especially those targeted for startups, storefronts, minority-owned businesses, or businesses in underserved areas.

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Associate Development Organizations (ADOs)
Local

Local economic development partners in each of Washington’s 39 counties. ADOs are partially funded by the Washington State Department of Commerce and help connect small businesses to resources, loans, grants, and support for growth. They offer training, site location help, and access to regional opportunities. Reaching out to your local ADO can open doors to funding, expansion, and networking.

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Varies
Federal State

FundHubWA connects you to state and federal climate and clean energy funding opportunities to help improve your home, business, or community. You will find grants, tax incentives, and other funding opportunities. The portal includes funding sources for individuals, businesses, nonprofits, public agencies, and tribal governments related to climate and clean energy opportunities.

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Capital Readiness Program - Business Impact NW

Helping small businesses in AK, ID, OR, and WA access funding, improve financial skills, and grow sustainably. Work one-on-one with certified advisors through free coaching and classes.

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