# Readycap Lending, LLC SBA loans in Washington **Short answer:** SBA's loan file shows Readycap Lending, LLC made 303 SBA loans in Washington since October 2019. 19.8% financed a change of ownership, against 1.9% of its loans nationally. The median loan was $500,000, 3.3 times its national median of $150,000. Canonical page: https://www.sbaexpress.loans/sba-express-lenders/readycap-lending-llc/washington/ Data as of: 2026-06-30 This site is not Readycap Lending, LLC sbaexpress.loans is not Readycap Lending, LLC, and Readycap Lending, LLC did not provide, review or pay for this page. Janover Capital LLC runs this site. Every figure on this page comes from SBA's public 7(a) loan file, not from Readycap Lending, LLC. These are the 303 SBA 7(a) loans [Readycap Lending, LLC](https://www.sbaexpress.loans/sba-express-lenders/readycap-lending-llc/) made in [Washington](https://www.sbaexpress.loans/washington-small-business-loans/) approved October 2019 to June 2026. Each figure is set against all of its loans in the U.S. over the same period. State is where the business is, not where the lender is based. The file lists loans SBA approved, so it shows what the lender has done and not what it will do for you. Every state page for this lender uses this same period, so the pages can be compared with each other. ## How Readycap Lending, LLC differs in Washington **What this means for you.** If you are buying a business, purchases were a bigger share of these loans here than elsewhere. ### Change of ownership 19.8% of the loans in Washington financed a change of ownership, against 1.9% of its loans nationally. Change of ownership, share of loans, Oct 2019 to Jun 2026 - Washington: 19.8% - All its U.S. loans: 1.9% ### Loan size The median loan was $500,000 in Washington, 3.3 times its national median of $150,000. The middle half of loans in Washington ran from $100,000 to $1,807,500. For all its loans the middle half ran from $50,000 to $500,000. Median loan, Oct 2019 to Jun 2026 - Washington: $500,000 - All its U.S. loans: $150,000 We compared 8 measures with the national figure for the same period, and these are the 2 that differ clearly. One more difference is in the table. ## Washington next to the U.S. **Washington compared with all of Readycap Lending, LLC's U.S. loans, October 2019 to June 2026** | Measure | Washington | All its U.S. loans | Reading | | --- | --- | --- | --- | | Lender's share of all SBA loans | 3.2% | 2.7% | No clear gap | | Median loan | $500,000 | $150,000 | Clearly higher | | Middle half of loans | $100,000 to $1,807,500 | $50,000 to $500,000 | – | | Startups (the loan opens the business) | 4.6% | 3.3% | No clear gap | | In business 2 years or less | 22.1% | 14.9% | No clear gap | | In business more than 2 years | 49.8% | 77.8% | Clearly lower | | Change of ownership | 19.8% | 1.9% | Clearly higher | | SBA Express | Fewer than 5 | 0.3% | No clear gap | | Lines of credit | 0.0% | 0.0% | n/a | | Median term | 10 years | 10 years | – | | Median spread over Prime at approval | 2.75 points over Prime | 2.75 points over Prime | – | Clearly higher and clearly lower mark a gap large enough to matter and unlikely to be chance for this many loans. Spread over Prime is the rate at approval minus Prime that day, so it is not today's rate. Rows with a dash are shown for reference. ## What Readycap Lending, LLC lends to in Washington The 5 industries below account for 117 of the 303 loans approved October 2019 to June 2026, or 38.6%. An industry is listed when it has 5 or more of them, five at most. **Top industries in Washington** | Industry | Loans | Share here | U.S. share | | --- | --- | --- | --- | | [Gasoline Stations with Convenience Stores](https://www.sbaexpress.loans/industries/gasoline-stations-with-convenience-stores-457110/) | 62 | 20.5% | Not in top 5 | | [Full-Service Restaurants](https://www.sbaexpress.loans/industries/full-service-restaurants/) | 20 | 6.6% | 3.6% | | [Supermarkets and Other Grocery Retailers (except Convenience Retailers)](https://www.sbaexpress.loans/industries/supermarkets-other-grocery-retailers/) | 13 | 4.3% | Not in top 5 | | [Gasoline Stations with Convenience Stores](https://www.sbaexpress.loans/industries/gasoline-stations-with-convenience-stores/) | 12 | 4.0% | Not in top 5 | | [Limited-Service Restaurants](https://www.sbaexpress.loans/industries/limited-service-restaurants/) | 10 | 3.3% | Not in top 5 | Share here is the industry's share of the lender's loans in this state. U.S. share is its share of all the lender's loans nationally. Not in top 5 means it is not one of the lender's five most common industries. ## Readycap Lending, LLC in other states Other states where these loans differ clearly from the national pattern, most loans first. **Readycap Lending, LLC by state** | State | Loans since October 2019 | | --- | --- | | [New York](https://www.sbaexpress.loans/sba-express-lenders/readycap-lending-llc/new-york/) | 738 | | [New Jersey](https://www.sbaexpress.loans/sba-express-lenders/readycap-lending-llc/new-jersey/) | 296 | | [Oregon](https://www.sbaexpress.loans/sba-express-lenders/readycap-lending-llc/oregon/) | 163 | | [Louisiana](https://www.sbaexpress.loans/sba-express-lenders/readycap-lending-llc/louisiana/) | 101 | | [Missouri](https://www.sbaexpress.loans/sba-express-lenders/readycap-lending-llc/missouri/) | 95 | ## Other lenders in Washington Other lenders in Washington with a clear difference from the national pattern, most loans first. **Other lenders in Washington** | Lender | Loans since October 2019 | | --- | --- | | [KeyBank](https://www.sbaexpress.loans/sba-express-lenders/keybank/washington/) | 773 | | [Wells Fargo Bank](https://www.sbaexpress.loans/sba-express-lenders/wells-fargo-bank/washington/) | 254 | | [The Huntington National Bank](https://www.sbaexpress.loans/sba-express-lenders/the-huntington-national-bank/washington/) | 220 | | [JPMorgan Chase Bank](https://www.sbaexpress.loans/sba-express-lenders/jpmorgan-chase-bank/washington/) | 185 | | [Celtic Bank](https://www.sbaexpress.loans/sba-express-lenders/celtic-bank/washington/) | 147 | | [Hanmi Bank](https://www.sbaexpress.loans/sba-express-lenders/hanmi-bank/washington/) | 136 | | [GBC International Bank](https://www.sbaexpress.loans/sba-express-lenders/gbc-international-bank/washington/) | 95 | | [Bank of Hope](https://www.sbaexpress.loans/sba-express-lenders/bank-of-hope/washington/) | 81 | How to read this Counts come from SBA's 7(a) loan-level data release, as of June 30, 2026. The file lists loans SBA approved. It does not list declined applications, so it cannot show approval odds. We do not publish any figure built on fewer than 5 loans. A lender's past loans do not describe its current credit policy. Location is the borrower's address in the file. Loans are those approved October 1, 2019 to June 30, 2026. SBA's fiscal year runs October 1 to September 30. Each figure is set against the national figure for the same period. A gap is called clear when it is large enough to matter and unlikely to be chance for this many loans. A comparison with no clear gap in the loans is not published. Express counts SBA Express and Export Express loans. Lines of credit are loans SBA's file flags as revolving. [How we build these pages](https://www.sbaexpress.loans/method/). ## Sources - [SBA 7(a) and 504 FOIA loan-level data, as of June 30, 2026](https://data.sba.gov/dataset/7a-504-foia)