Small business loans in Kirkland, WA
Short answer
The most active SBA lenders in Kirkland, WA since FY2024 are KeyBank (13 loans) and Banner Bank (8). The median loan was $201,350, and half fell between $75,000 and $500,000. For free help, see the Washington Small Business Development Center. Source: SBA 7(a) loan data.
- SBA loans since FY2024
- 82
- approved since FY2024
- $44.06M
- median loan
- $201,350
- through SBA Express
- 52.4%
Lenders making SBA loans in Kirkland
No lender made more than 16% of the loans in Kirkland, and KeyBank made the most. The five largest lenders together made 46%.
| Lender | Loans | Share |
|---|---|---|
| KeyBank | 13 | 15.9% |
| Banner Bank | 8 | 9.8% |
| U.S. Bank | 7 | 8.5% |
| Columbia Bank | 5 | 6.1% |
| Washington Trust Bank | 5 | 6.1% |
Share is the percent of all Kirkland loans in that period. Each name links to that lender's page for Washington where one exists.
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Local help near Kirkland
Kirkland borrowers can start with SBA's district offices for Washington, an SBDC or SCORE.
24% of Kirkland borrowers since FY2024 were startups or businesses two years old or younger. SBDCs provide counseling and training, and SCORE mentors give advice at no cost, according to SBA.
SBA runs two district offices that cover Washington. Each page points to state and federal resources and to lenders in its area. The Washington Small Business Development Center gives free counseling across Washington.
- SBA Seattle District OfficeSBA district office
- SBA Portland District OfficeSBA district office
- Washington Small Business Development CenterSmall Business Development Center
- SCORE mentors in WashingtonBusiness mentoring
Alongside SBA loans, Washington runs three loan programs. The Washington page describes each, and the official pages are linked here.
Loan counts and sizes in Kirkland
Kirkland ranks 14th by loans since FY2024 among the 24 Washington cities with 100 or more SBA loans since FY2020. Nationally it is the 280th busiest of the 580 cities that reach 100 loans.
The 82 loans, 1.7% of the 4,798 in Washington, were approved for $44.1 million in all. The medianThe middle figure. Half the loans were larger and half were smaller. loan was $201,350, 34% above the national median of $150,300. Half of the loans fell between $75,000 and $500,000. The Kirkland median is 34% above the Washington median of $150,000.
| Measure | Kirkland | Washington | U.S. |
|---|---|---|---|
| Loans | 82 | 4,798 | 162,355 |
| Median loan | $201,350 | $150,000 | $150,300 |
| 25th percentile | $75,000 | $50,000 | $50,000 |
| 75th percentile | $500,000 | $500,000 | $500,000 |
| Via SBA Express | 52.4% | 45.6% | 35.8% |
| Lines of credit | 43.9% | 36.6% | 28.1% |
| Startups | 9.8% | 9.9% | 16.1% |
| Ownership changes | 20.7% | 14.5% | 10.4% |
| Median term | 10 years | 10 years | 10 years |
| Median spread | 2.75 | 2.75 | 2.75 |
| Charged off | Fewer than 5 | 2.4% | 3.6% |
A quarter of loans were smaller than the 25th percentile loan and a quarter were larger than the 75th. Median spread is in percentage points over Prime. Charged off is the share of FY2020 to FY2022 loans a lender wrote off as a loss. It is shown only for groups of 30 loans or more. Fewer than 5 marks a share that would stand for 1 to 4 loans, which we do not publish. U.S. covers every loan in the file.
77% of the loans were $500,000 or less, the size SBA Express covers. 52.4% of all loans went through SBA Express, above the national 35.8%. Lines of credit were 43.9% of loans, above the national 28.1%.
Labels show each size's share of all loans. The highlighted bar is the size band that contains the median.
By business age, 54.9% of loans went to businesses more than two years old and 14.6% to businesses two years old or younger. Startups received 9.8% and changes of ownership 20.7%. The national startup share is 16.1%.
Fiscal years run October to September. The last bar covers nine of its twelve months.
Volume rose 60% from FY2024 (25 loans) to FY2025 (40), the two latest full years. The busiest full year in the file was FY2025, with 40 loans. FY2026 already shows 17 loans through June 30.
Of the 52 loans Kirkland borrowers received in FY2020 to FY2022, fewer than 5 were charged offThe lender wrote the loan off as a loss because it was not being repaid. by June 30, 2026, against 3.6% nationally. Lenders reported 1,126 jobs supported across the 82 loans since FY2024, about 13.7 per loan. SBA does not audit these estimates.
What businesses in Kirkland borrow for
Fitness and Recreational Sports Centers was the largest borrower group in Kirkland since FY2020, with 6 loans or 3.9% of the total.
The four largest industries made up 14% of all Kirkland loans since FY2020.
| Industry | Loans | Share | U.S. share |
|---|---|---|---|
| Fitness and Recreational Sports Centers | 6 | 3.9% | 2.1% |
| Offices of Lawyers | 6 | 3.9% | 0.9% |
| Full-Service Restaurants | 5 | 3.3% | 4.6% |
| Limited-Service Restaurants | 5 | 3.3% | 3.3% |
Share is the percent of all Kirkland loans in that period. Industry is the NAICS code on each loan. A name links to the Washington page for that industry where one exists.
A typical loan payment in Kirkland
The median Kirkland loan was $201,350 with a median term of 10 years.
The median variable-rate loan in Kirkland was priced at Prime plus 2.75 percentage points at approval. At today's Prime that spread works out to 9.75%. On $201,350 over 10 years, principal and interest would come to about $2,633 a month. That is arithmetic on past loans, not a rate a lender is offering.
| Loan | Amount | Monthly payment |
|---|---|---|
| 25th percentile loan | $75,000 | $981 |
| Median loan | $201,350 | $2,633 |
| 75th percentile loan | $500,000 | $6,539 |
Principal and interest only. Fees, a different term or a fixed rate change the payment. This is an illustration from SBA's file, not an offer.
SBA's rate ceiling for this loan size
SBA's maximum for a loan of $201,350 is Prime plus 6.0 percentage points, or 13.00% today. The median variable-rate loan here was priced 3.2 points under that ceiling. Source: 13 CFR § 120.214(d)(2); SOP 50 10 8.1, App. 18, Para. A.2 (p. 395).
Kirkland loans approved since FY2024 had a median starting rate of 10.38% at approval, against 10.25% nationally. Prime changed during those years, so use the spread above, not that rate, as the guide to today's cost.
Run your own numbers: payments on a $200,000 loan and SBA Express payment calculator.
SBA 504 loans near Kirkland
Kirkland has 6 SBA 504 loans since FY2020, with $10.2 million in SBA and CDC dollars.
Fewer than five of them came in FY2024 or later, so no recent median is published. The bank's share of each project is separate and is not counted in these figures.
No Certified Development CompanyA nonprofit that SBA certifies and regulates to arrange 504 loans together with a bank. (CDC) is named on five or more 504 loans in Kirkland, so the list below is Washington's. Evergreen Business Capital is named on the most there, 114 loans since FY2024.
| Certified Development Company | 504 loans |
|---|---|
| Evergreen Business Capital | 114 |
| Northwest Business Development Association | 85 |
| Ameritrust CDC | 59 |
| Capital Matrix, Inc. | 15 |
| Cascade Capital Funding | 7 |
How a 504 loan is split
A standard 504 project is 50% third party lender, 40% CDC debenture, 10% borrower. 504 money pays for major fixed assets such as land, buildings and long-term machinery and equipment, not working capitalMoney for day-to-day costs such as payroll, rent and inventory. Full definition or inventory. Source: SOP 50 10 8.1, Sec. C, Ch. 1, Para. B (p. 221). SBA keeps a list of Certified Development Companies.
Washington cities near Kirkland
Kirkland made up 1.7% of Washington's SBA loans since FY2024.
Kirkland is one of 24 Washington cities with 100 or more SBA loans since FY2020. The Washington page covers all 4,798 loans in Washington. The closest come first, ranked by county and ZIP code on their loans.
Common questions about SBA loans in Kirkland
Which lenders make the most SBA loans in Kirkland?
KeyBank leads with 13 loans in Kirkland since FY2024. Banner Bank (8) and U.S. Bank (7) follow. Only lenders with five or more Kirkland loans are counted.
Which industries get SBA loans in Kirkland?
Fitness and Recreational Sports Centers leads with 6 loans in Kirkland since FY2020. Offices of Lawyers (6) and Full-Service Restaurants (5) follow.
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. Location is the borrower's address in the file, and city names are as SBA recorded them. Recent means FY2024 through June 30, 2026. Charge-off rates use FY2020 to FY2022 loans, the only years old enough to have had time to go bad. Jobs supported are lender-reported estimates. How we build these pages.
Sources
- SBA 7(a) and 504 FOIA loan-level data, as of June 30, 2026
- SBA, 504 loans
- SBA, resource partners: SBDCs and SCORE
- SBA Seattle District Office
- SBA Portland District Office
- Washington Small Business Development Center
- SCORE, Washington
- SOP 50 10 8.1, Sec. C, Ch. 1, Para. D.1 (p. 241); 13 CFR § 120.931
- SOP 50 10 8.1, Sec. C, Ch. 1, Para. B (p. 221)
- sba.gov/loans/504-loans; SOP 50 10 8.1, Sec. A, Ch. 3, Para. A (p. 51)
- SOP 50 10 8.1, Sec. B, Ch. 2, Para. B.1 (p. 126)
- 13 CFR § 120.214(d)(2); SOP 50 10 8.1, App. 18, Para. A.2 (p. 395)
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Cite this page: Small business loans in Kirkland, WA. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/washington-small-business-loans/kirkland/
Ask lending partners about a loan in Kirkland
Tell us what you need and we refer your request to lending partners.
Janover Capital LLC is not a lender and is not the SBA. The lender makes the credit decision. A lender or marketplace may pay us a referral fee if we connect you, at no cost to you. Advertiser disclosure.