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Commercial Loans

You work hard to make your business successful. Shouldn’t your bank work just as hard to provide you with financing solutions? We’ve got local decision making and more than 90 years’ experience serving businesses of all sizes. HomeStreet’s commercial loan officers are more nimble and responsive to your financial needs. You can find lenders anywhere. At HomeStreet, you’ll find a trusted commercial lending partner committed to your business success. Let’s get together. Let’s do business.

Commercial Loan Options

Term Loans

Are you looking to purchase equipment, expand your business, or purchase additional inventory? A term loan from HomeStreet Bank is designed to meet your needs on an individual basis. Term loans can be used to finance equipment of all types, expand or improve properties, and much more. A term loan may be the right solution to achieve your objectives.

Typical business equipment financing includes:

  • Manufacturing/production equipment
  • Medical/dental equipment
  • Commercial vehicle financing
  • Technology and computer equipment
    Let one of our Commercial Lending Relationship Managers help you with this decision.

Lines of Credit

A business line of credit can be used to help your business with short-term and/or seasonal working capital needs, account receivables, inventory financing, or cash flow needs. A line of credit provides you with the financial flexibility to act when opportunities arise, helping you manage your bottom line.

Revolving lines of credit provide funds that can be borrowed, repaid and re-borrowed, depending on the specific needs of your business. Lines of credit are typically used to:

  • Finance receivables
  • Purchase inventory
  • Provides a means to acquire assets quickly, before permanent financing
    Let one of our Commercial Lending Relationship Managers help you with this decision.

Business Financing for Loan Amounts up to $250,000

  • Competitively priced
  • Local underwriting and streamlined approval process
  • Hassle-free application process

Whether your business borrowing needs are seasonal or longer term, HomeStreet's Business Loan Program offers affordable financing options to meet your business needs. We make it easy to find the loan right for you with experienced Relationship Managers committed to helping your business grow.

If your interested in our Business Loan Program, fill out the following form and a Relationship Manager will be in touch with your shortly.

SBA Loans

SBA financing options are structured for small business, with features that usually result in lower monthly payments. As an SBA Preferred Lender, our Commercial Loan Relationship Managers can help you find the SBA financing that is right for your business. Click here

Discover HomeStreet’s range of specialized business lending services:

General Business Loans
  • Business lines of credit
  • Equipment financing
  • Vehicle financing
  • Commercial real estate
  • Leasehold improvements
  • Business acquisition loans
  • Asset-based lending
Dental/Veterinary Practice Loans
  • Term loans for acquisitions/refinancing
  • Equipment financing
  • Working capital
  • Real estate financing for practice facilities
Non-profit Organization Loans
  • Capital campaign bridge loans
  • Commercial real estate
  • Short-term working capital
  • Operating lines of credit
Homeowner Association Loans
  • Term loans for repairs and ongoing maintenance
  • Short-term working capital/bridge loans 

Find a Commercial Lending Relationship Manager

Having the right people on your side is important when it comes to commercial banking. HomeStreet has assembled a team of some of the most knowledgeable and experienced Commercial Lending Relationship Managers in the industry. They’re here to ensure that you are presented with the best business financing options to meet your needs. Our Commercial Lending Relationship Managers make it a point to get to know you and your business. They can be a valuable asset as you explore the many business financing options available.

Calculators

Here you’ll find some tools to help your business run more efficiently so you can feel  confident making financial decisions. These calculators can help you determine whether you need to borrow or keep more inventory on hand. They can even help you evaluate your business and assess its value. Plus, we have a calculator where if you type “01134” and hold it upside down, it says “Hello.”

Break Even Sales Analysis

Whether you have one widget or 100, you have fixed costs, such as rent, insurance, utilities and   payroll.  The break-even analysis calculator demonstrates how many units of your product must be  sold to cover these costs and make a profit. This helps you determine sales goals and evaluate the  success of your product.

Working Capital Needs

Your working capital is used to pay short-term obligations such as accounts payable and inventory  purchases. If your working capital dips too low, you risk running out of cash. The working capital  calculator can help you determine how much cash you need to keep on hand and whether a line of  credit might help with swings in working capital. 

Debt Service Calculator

Planning on a project that will require additional debt? This calculator will show you how the bank will look at the impact of additional debt.

Financial Ratios

The financial ratio calculator shows you  10 different financial ratios. Financial ratios are used as  indicators that allow you to zero in on areas of your business that may need attention.  Bankers use  these to measure the efficiency of your business and how you compare to others in your industry.  Now you can too!

Customer Stories

Small and medium-size businesses are the heart of our economy. They build the communities we call home. It takes a certain personality to be a successful business owner. You need independence, entrepreneurial spirit and perseverance. Speaking of which, check out some of our business customers in the video clips below

Global Diving and Salvage

Square One Distribution

Fusion