Small business loans in Yakima, WA
Short answer
The most active SBA lenders in Yakima, WA since FY2024 are Banner Bank (19 loans) and U.S. Bank (8). The median loan was $147,500, and half fell between $50,000 and $681,075. For free help, see the Washington Small Business Development Center. Source: SBA 7(a) loan data.
- SBA loans since FY2024
- 68
- approved since FY2024
- $31.55M
- median loan
- $147,500
- through SBA Express
- 52.9%
Lenders making SBA loans in Yakima
Banner Bank made the most loans in Yakima, 28% of the total. The three largest lenders together made 50%.
| Lender | Loans | Share |
|---|---|---|
| Banner Bank | 19 | 27.9% |
| U.S. Bank | 8 | 11.8% |
| Columbia Bank | 7 | 10.3% |
Share is the percent of all Yakima loans in that period. Each name links to that lender's page for Washington where one exists.
Yakima has three lenders with five or more loans since FY2024. Others had fewer, and the Washington page counts 157 lenders with at least one approved loan statewide.
Ask lending partners about a loan in Yakima
Tell us what you need and we refer your request to lending partners.
Start my loan requestJanover 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.
Local help near Yakima
Yakima borrowers can start with SBA's district offices for Washington, an SBDC or SCORE.
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 Yakima
Yakima ranks 18th by loans since FY2024 among the 24 Washington cities with 100 or more SBA loans since FY2020. Nationally it is the 380th busiest of the 580 cities that reach 100 loans.
The 68 loans, 1.4% of the 4,798 in Washington, were approved for $31.6 million in all. The medianThe middle figure. Half the loans were larger and half were smaller. loan was $147,500, close to the national median of $150,300. Half of the loans fell between $50,000 and $681,075. The Washington median is $150,000.
| Measure | Yakima | Washington | U.S. |
|---|---|---|---|
| Loans | 68 | 4,798 | 162,355 |
| Median loan | $147,500 | $150,000 | $150,300 |
| 25th percentile | $50,000 | $50,000 | $50,000 |
| 75th percentile | $681,075 | $500,000 | $500,000 |
| Via SBA Express | 52.9% | 45.6% | 35.8% |
| Lines of credit | 44.1% | 36.6% | 28.1% |
| Startups | n/a | 9.9% | 16.1% |
| Ownership changes | 17.6% | 14.5% | 10.4% |
| Median term | 10 years | 10 years | 10 years |
| Median spread | 2.5 | 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.
52.9% of all loans went through SBA Express, above the national 35.8%. Lines of credit were 44.1% 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.
Fiscal years run October to September. The last bar covers nine of its twelve months.
Volume rose 17% from FY2024 (23 loans) to FY2025 (27), the two latest full years. The busiest full year in the file was FY2021, with 28 loans. FY2026 already shows 18 loans through June 30.
Of the 59 loans Yakima 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 721 jobs supported across the 68 loans since FY2024, about 10.6 per loan. SBA does not audit these estimates.
What businesses in Yakima borrow for
Full-Service Restaurants was the largest borrower group in Yakima, with 5 loans or 7.4% of the total.
| Industry | Loans | Share | U.S. share |
|---|---|---|---|
| Full-Service Restaurants | 5 | 7.4% | 4.6% |
Share is the percent of all Yakima 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 Yakima
The median Yakima loan was $147,500 with a median term of 10 years.
The median variable-rate loan in Yakima was priced at Prime plus 2.5 percentage points at approval. At today's Prime that spread works out to 9.50%. On $147,500 over 10 years, principal and interest would come to about $1,909 a month. That is arithmetic on past loans, not a rate a lender is offering.
| Loan | Amount | Monthly payment |
|---|---|---|
| 25th percentile loan | $50,000 | $647 |
| Median loan | $147,500 | $1,909 |
| 75th percentile loan | $681,075 | $8,813 |
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 $147,500 is Prime plus 6.0 percentage points, or 13.00% today. The median variable-rate loan here was priced 3.5 points under that ceiling. Source: 13 CFR § 120.214(d)(2); SOP 50 10 8.1, App. 18, Para. A.2 (p. 395).
Yakima loans approved since FY2024 had a median starting rate of 10% 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 $150,000 loan and SBA Express payment calculator.
SBA 504 loans near Yakima
Yakima has 15 SBA 504 loans since FY2020, with $13.2 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.
Northwest Business Development Association is the Certified Development CompanyA nonprofit that SBA certifies and regulates to arrange 504 loans together with a bank. (CDC) named on the most loans since FY2020, with 7. Evergreen Business Capital follows with 5. The two CDCs listed are named on 12 loans between them.
| Certified Development Company | 504 loans |
|---|---|
| Northwest Business Development Association | 7 |
| Evergreen Business Capital | 5 |
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 Yakima
Yakima made up 1.4% of Washington's SBA loans since FY2024.
Yakima 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 Yakima
Which lenders make the most SBA loans in Yakima?
Banner Bank leads with 19 loans in Yakima since FY2024. U.S. Bank (8) and Columbia Bank (7) follow. Only lenders with five or more Yakima loans are counted.
Which industries get SBA loans in Yakima?
Full-Service Restaurants leads with 5 loans in Yakima since FY2024.
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)
Download this page's data: JSON · CSV
Cite this page: Small business loans in Yakima, WA. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/washington-small-business-loans/yakima/
Ask lending partners about a loan in Yakima
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.