Financial Support

Entrepreneurship is alive and well in Seattle. Business owners face new sets of challenges, including navigating the permitting process, securing financing, deciding how and where to expand, and addressing issues related to attracting and retaining quality employees.OED is here to help businesses access local resources that will help them grow.

Contact OED's Business Finance Team:
Ken Takahashi - (206) 684-8378

Free Accounting and Finance Consulting Services

For small businesses looking for consultation on accounting best practicesand implementing sustainable financial solutionsto ensure the success of your busineses.


Approximately 10 hours of free consulting services vased on the consultant's evaluation. Additional hours would be provided at the discretion of the City. 


Household Size  80% Median Income 
1 $61,800
2 $70,600
3 $79,450
4 $88,250
5 $95,350
6 $102,450
7 $1090,450
8 $1116,500
  • Be a microbusiness (5 employees or fewer including the owner)
  • Be based in Seattle (must have a Seattle address)
  • Have a household income of the business owner(s) not exceeding 80% of AMI (area median income) - if there are multiple owners, all owners must meet the income criteria

Photo of Ellen Brown Meet our Consultant 

Ellen Brown is the sole-proprietor of Accounting for Taste. Through years of owning and operating small businesses, Ellen has developed the tools and strategies for helping new or established businesses to open, operate, and thrive. She specializes in restaurant and retail bookkeeping services, small business consulting and financial training. 

Ellen also has several years of non-profit experience supporting and educating small vusinesses from conception, to establishment and through growth. 

With her experience as a small business owner, Ellen udnerstands small business inside and out and the challenges and obstacles they face every day - from labor shortages and cost of goods, to competition and time management. 

Ellen can provide specific tools for managing finances and cash flow, inventory control, labor costs, profitability and so much more! 

If you have any questions or would like to inqurie about receiving these consulting services and learn more about OED's Small Business Program, please contact OED's Small Business Advocate AJ Cari at or (206) 684-8090.

Community Lenders

Seattle has several community lenders that offer small business loans with greater flexibility than provided under conventional bank financing.

Business Impact Northwest (BINW)
BINW provides entrepreneurs access to capital and business assistance. As a Preferred Lender for the U.S. Small Business Administration (SBA), BINW can work with businesses towards achieving their lending goals from $2,500 to $250,000. BINW also provides free one-on-one business coaching as well as various workshops, courses, and seminars.
Contact Joe Sky-Tucker at (206) 324-4330 x140.


Craft3 is a non-bank community lender that's delivered capital throughout Oregon and Washington since 1994. It lends to established nonprofits and growing and start-up businesses - including those that don't qualify for traditional loans. Loans are available for working capital, inventory and equipment, real estate, debt restructure and project financing. It maintains a Seattle office in the Chinatown-International District. Rates and terms vary, and loans range in size from $25,000 to $3,000,000. Contact Andrew Mattingly at (888) 231-2170 x128.

Evergreen Business Capital
Evergreen Business Capital is a non-profit Certified Development Company that aims to foster economic development by funding the start-up, growth, or expansion of small businesses. Utilizing the SBA 504 program, they assist with the purchase or refinance of commercial real estate and large equipment. Loans can range from $100,000 to $5.5 million. For smaller needs, they offer the SBA's Community Advantage, USDA's IRP and an in-house Microloan program. Loan sizes range from $1,000 to $250,000, depending on the program. Loan proceeds can be used for working capital, small equipment, inventory, refinancing of business debt, and a variety of other small business financing needs. Contact Patti Kibbe at (206) 622-3731 x431.  

Grow Seattle Fund
The Grow Seattle Fund provides business owners access to capital and a complete review of their business investment preparedness. As a Preferred Lender for the U.S. Small Business Administration (SBA), the Grow Seattle Fund can work with businesses towards achieving their borrowing goals with loans from $75,000 to around $2,000,000 (more if needed). Grow Seattle loans have competitive rates and terms with little or no down payment. The Grow Seattle Fund provides a wide array of capital products including permanent working capital, real estate acquisition and expansion loans, tenant improvement loans and funds for the purchase of machinery and equipment. The Grow Seattle Fund also provides free one-on-one business coaching as well as various workshops, courses, and seminars. Contact Sheldon Bartel at (614) 499-0476.  

Mercy Corps Northwest
Mercy Corps Northwest is the U.S. economic development office of Mercy Corps, an international relief and development agency. Mercy Corps Northwest is an SBA Intermediary Microlender. They provide financing to small business owners who may not qualify for traditional loans. Loans range from $500 to $20,000 for startups, and up to $50,000 for existing businesses.
Contact Edwin Rios - (206) 547-5212 x103.

Rainier Valley Community Development Fund (RVDCF)
The RVCDF assists business along the MLK corridor in southeast Seattle. The non-profit organization’s loan criteria are not the same as those at traditional lending agencies. They look at factors including character, business capacity, and projected cash flow, as well as the impact a business will have on the Rainier Valley community. They additionally have payment terms and interest rates that are very flexible. Loans range from $50,000 – $2,000,000.
Contact Bob Luciano at  (206) 722-5282.