WaFd Bank is here to help your business grow
Providing financial solutions since 1917
Business Loans and Lines of Credit*
Running a fast-growing business means balancing expansion with cash flow. At WaFd Bank, our Business Loans and Lines of Credit are designed to help you cover seasonal expenses, invest in equipment, and fuel long-term growth—all with flexibility, speed, and common sense decision making made locally.
Business Line of Credit
Best for: Managing cash flow, seasonal gaps, emergencies, and short-term expenses
- Up to $50,000 unsecured
- Support cyclical or seasonal cash flows
- Combine with our Business Sweep Account to efficiently manage cash resources
Business Term Loan
Best for: Funding major projects, equipment, real estate, or refinancing large investments
- Variety of terms to meet your needs
- Tailor the loan to fit your investment
- Fixed payments
SBA Loans*
Best for: Powering your business growth with flexible financing
- WaFd Bank is an SBA Preferred Lender
- Get faster approvals and expert local guidance to help grow your business
*Loans subject to approval.
Power your growth with flexible business financing.
WaFd Bank's Business Loans and Credit Lines
Business line of credit | Business loan | Business credit card | |
|---|---|---|---|
Best for | Managing cash flow, seasonal gaps, emergencies | Funding major projects, real estate, or large equipment | Daily purchases, travel, smaller recurring expenses |
Access to funds | Borrow as needed up to a set amount | Receive a one-time lump sum disbursement | Revolving credit, use as needed |
Term Length | Revolving; can be renewed annually | Fixed term (2-25 years) | Ongoing, as long as the account is in good standing |
Credit Limit | $5,000 - $50,000 unsecured $50,000 - $100,000 secured | $5,000 - $50,000 unsecured $50,000 - $100,000 secured | Based on credit score |
Interest Rate | Variable | Fixed | Variable |
Collateral | Can be secured or unsecured, depending on loan amount | Can be secured or unsecured, depending on loan amount | Unsecured |
Connect with Us
Our knowledgeable and experienced bankers are ready to help.
Your vision, powered by our comprehensive business banking products and services
CASH MANAGEMENT
Gain more and seize growth opportunities to scale up
- See all bank and credit card activity in one place
- Track profitability in real time
- Visualize business cash flow with projections to plan for seasonality
PAYMENT PROCESSING SERVICES
Accept payments anywhere with the most up-to-date technology
- Terminal payments (card present)
- E-commerce (card not present)
- Industry-leading security
- Solutions for platforms and developers
CREDIT CARDS
Flexibility designed for your success
- Designed for business owners
- Flexible and convenient
- Manage expenses and authorized user spend with ease
- Cashback rewards
Expert Insights
Navigate your business confidently with expert knowledge and guidance.
Frequently Asked Questions
*Loans subject to approval.