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Apply for Funding

We've designed our process to be clear, supportive, and centered on your success. From your first conversation to long-term growth, we're with you every step of the way.

Basic Eligibility

You do not need perfect credit.

You do not need to have everything figured out.

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We look at the full picture of your business and help guide you through the process.

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The businesses we work with meet these basic requirements:

Located in South or West Seattle

We primarily loan to businesses located in South Seattle and West Seattle. 

In Business for 1+ Year

Your business has been operating for over 1 year

Provide Financial & Business Documents

We consider your overall credit, cash flow, and ability to repay, not just your credit score.

Our Lending Options

We offer a variety of lending options aimed at small businesses to help you succeed. Loan amounts vary.

Working Capital Line of Credit

Flexible funds you can draw on as you need them, for things like payroll, inventory, or seasonal cash flow gaps. 

Term Loans

A lump sum you repay over a set period, at a fixed schedule. Good for a specific, one-time investment in your business.

Nonprofit Financing

Loans designed for nonprofit organizations that need capital for facilities, programs, or operations.

Owner Occupied Commercial Real Estate

Loans to purchase, build, or refinance a property where the business itself operates

What Funding Can Be Used For

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Payroll

Describe the service and how customers or clients can benefit from it.

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Inventory

Describe the service and how customers or clients can benefit from it.

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Equipment

Describe the service and how customers or clients can benefit from it.

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Rent

Describe the service and how customers or clients can benefit from it.

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Expansions

Describe the service and how customers or clients can benefit from it.

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Marketing

Describe the service and how customers or clients can benefit from it.

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What You'll Need to Get Started

If you don't have everything, we can help you get it. 

    • Calculate how much money you need: Enough to cover at least the next 3-6 months of expenses.

    • Personal Financial Statement (a snapshot of your personal assets, debts, and net worth)

    • Your last 3 years of personal tax returns

    • A resume or CV telling us about your background and experience

    • List any collateral you can offer and get its current market value.

  • Your business plan or marketing plan

    • Business tax returns

    • Financial statements

    • Financial projections

    • Current business licenses 

Ready to Apply?

Start your application online. It's quick, secure, and confidential.

Apply For Funding

CAPITAL ACCESS PROGRAM

Get Up To 20% Of Your Loan Paid Down

RVCDF is proud to partner with the City of Seattle’s Office of Economic Development to make business lending more accessible.


Through the Capital Access Program (CAP), qualifying borrowers can have up to 20% of their RVCDF loan paid down, freeing up capital to reinvest and grow.

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Learn More or contact Bob Luciano, Director of Community Planning & Development, at bluciano@rvcdf.org

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