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Evergreen Business Capital Working Capital Review

Anne Miller

Anne Miller

Senior Author

Anne Miller

Senior Author

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Evergreen Business Capital Working Capital ReviewLaunching, running, and owning a small business can be one of the most rewarding experiences, both financially and personally. However, some people have the best ideas and intentions, but not the funds to support or launch the company – or, in some cases, the funds to support and keep the company open. With that being said, this is where lending companies like Evergreen Business Capital come into play. Known as an SBA 504 loan expert, this company can help any local small business is the Northwest United States make their dreams become a reality.


Evergreen Business Capital, in accordance to their website, has helped assist create over 37,000 jobs in their span of 37 years. On top of that, the company has been able to provide local communities with almost $1 billion worth of capital, making it a promising local connection for future businesses.


The most evident downside to Evergreen Business Capital is that their reach only includes Washington state, Oregon, Alaska, and Idaho.

Loan and Lender Information

Evergreen Business Capital is known as one of the best loan services in the Northwestern United States. In fact, the company touts their experience as a SBA 504 loan expert boasting almost 40 years in the industry. The company offers three different lending programs for small businesses:

  • SBA 504 Loan Program – These loans are designed to help future small businesses purchase their commercial location and/or equipment needed to operate.
  • SBA Community Advantage Loans – These loans are designed to help businesses get ahead of the game by providing extra capital, which can, in turn, be used for equipment, work-related needs, or even acquisition.
  • USDA IRP Loans – This loan is more specifically based to communities in Washington State. These loans are designed to help non-agricultural businesses receive lending help in rural-based communities, as it’s particularly hard for these businesses. Those wishing to obtain this loan must operate in a community under 25,000 residents.

Rates and Fees

In comparison to other lending companies, Evergreen Business Capital seems to be quite transparent about their fees and rates. As of October 2017, Evergreen Business Capital has shared with potential clients that their current rates for SBA 504 loans is currently 4.57%, if the client choose a 20-year term. For those interested, it appears that the current rate is significantly lower than previous months, making it an opportunistic moment for small businesses. Keep in mind, this rate may change, depending upon your specific needs, request, or working capital loan.

The company updates these rates monthly and can be found either on their website,, or their social medias. Since this company is a private and non-profit organization under the authorization of the United States Small Business Administration, you can guarantee that Evergreen Business Capital is serious and dedicated to their clients. On top of this, the company also answers some of the most important questions on their Frequently Ask Questions Page and, if you can’t find the answers you need, you may contact one of their loan officers to inquire more about their rates and fees.

Application Process

In order to enroll in Evergreen Business Capital and seek their services, one must complete a full application, depending upon the type of loan they need. For example, on their website, there are two different forms for 504 Loans and Community Advantage & Rural Loans. It’s recommended to carefully fill out these forms before sending them to the appropriate loan officer. From there, you will be contacted to discuss the details of your application and the financial options, if you are approved.  If you do have questions about the application process, you can contact Evergreen Business Capital through their website or a Loan Officer.


Evergreen Business Capital is a professional and highly-qualified lending company, offering some of the best services and rates to the local communities of the Northwest United States. With that being said, if you are residing in these areas, or planning on opening a business in Washington, Oregon, Alaska, or Idaho, Evergreen Business Capital is certainly worth your consideration.

Anne Miller

Anne is a Senior Author for SBL. She began her career as an independent consultant for local businesses after graduating with a BA in Management. Since that time, she’s expanded to writing as well as consulting to spread helpful knowledge to small business owners across the country.


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