Login BUSINESS LOANS & CREDIT CARDS Home Business Business Loans & Credit Cards We understand that flexibility and expediency are key when investing in your business in a fast-paced market. Harborstone provides attractive financing options for every aspect of your operations, including equipment purchases, day-to-day cash flow, and building or acquiring commercial property. Our savvy business team loves to help our local business community prosper, and most of our loan decisions are made the same day you apply. Let us match you to the loan that best fits your business. Contact Us Business Eligibility Business Services Business Credit Cards Business Lines of Credit Commercial Real Estate Loans Equipment Loans SBA Loans Business Credit Cards BUSINESS LINE OF CREDIT DETAILS With a business line of credit, seasonal fluctuations can be handled a bit more comfortably, payroll needn't be delayed, and every day is covered. Your business line of credit can also protect you against checking account overdrafts and fees. Available when you need it. Funds are advanced from the line directly into your business savings or checking account, so the possibilities are endless! Can be used to fund accounts receivable or working capital. Contact a business lender and find out how a business line of credit can work for you. Contact Us COMMERCIAL REAL ESTATE LOAN DETAILS If you're looking to purchase retail or office space, refinance existing business property, or fund new construction projects, our commercial real estate loans can help fund your long-term investments. Purchase retail or office space outright as a long-term investment. Build your ideal space with new construction financing. Refinance existing business property. Build an investment portfolio with owner- and non-owner-occupied commercial real estate. Loan lump sum is paid out, except for new construction. Contact a business lender and find out how a commercial real estate loan can work for you. Contact Us EQUIPMENT LOAN DETAILS If your business is involved in manufacturing, packaging, or production, you may have diverse equipment needs. Sometimes it doesn't make sense to purchase expensive commercial equipment upfront. Instead, spread the cost of your equipment out over the life of a Harborstone equipment loan. Lump sum is paid for equipment. Can help make equipment ownership possible. Contact a business lender and find out how an equipment loan can work for you. Contact Us SMALL BUSINESS ADMINISTRATION LOAN DETAILS A Small Business Administration loan is a tool for economic development that allows businesses to retain cash for working capital. It provides a growing business with fixed-rate financing for major assets, such as land and buildings. SBA 504 PROJECTS TYPICALLY INCLUDE: A loan from Harborstone that covers up to 50% of the cost. A second loan from a certified development company that covers up to 40%. A contribution of 10% from the borrower. A 20-year fixed rate. SBA 7(a) DETAILS: Proceeds can be used for working capital, inventory purchase, fixed-asset purchase, and facility expansion or remodeling. Loan terms up to seven years are available for working capital and inventory uses. Loan terms up to 10 years are available for fixed-asset needs. Loan terms up to 25 years are available for commercial real estate. Contact a business lender and find out how SBA financing can work for you. Contact Us Open an Account Copyright © 2021 Harborstone Credit Union All rights reserved. P.O. Box 4207, Tacoma, WA 98438-0207 Transit/ABA Routing Number: 325180870 Contact Us LOANS Vehicle Loans Credit Cards Home Equity Home Loans Avoid Foreclosure ACCOUNTS Checking Savings IRAs Money Market CONVENIENCE Online Banking Mobile Banking Telephone Banking Locations & ATMs ABOUT Careers Privacy Policy Site Map Disclosures & Agreements