Evergreen Business Capital

This is a commercial bank offering SBA loan programs and business financing solutions designed to support small and medium-sized businesses in the region.

It's recommended to schedule an appointment to ensure dedicated time with a loan officer, though walk-ins may be accommodated during business hours.

The bank operates Monday through Friday from 9:00 AM to 5:00 PM, with some services available by appointment outside regular hours.

There are no fees for simply visiting the bank; fees may apply for specific services or loan applications as outlined in the loan agreement.

This bank primarily serves local residents and businesses within the region, though eligibility for loans depends on meeting specific criteria.

A minimum personal credit score of 620 is generally required for guarantors applying for SBA loans.

The underwriting process typically takes between 30 to 45 days, depending on the complexity of the application and completeness of documentation.

Most banks keep weekday business hours and are closed on weekends, and Evergreen Business Capital typically follows the same pattern. SBA lending staff are generally reachable Monday through Friday. A few locations offer Saturday or by-appointment hours, so call Evergreen Business Capital to confirm current weekend availability before you go.

Evergreen Business Capital is located in Washington — see the contact card for the full address. Most bank locations offer free on-site or nearby street parking for visitors. For exact directions, the entrance, and accessible parking, use the listed address or call ahead and staff can point you to visitor spaces.

This page is an independent directory listing for Evergreen Business Capital, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Evergreen Business Capital itself, which runs its own lending under its own ownership. If you work at Evergreen Business Capital, you can claim this listing from this page to manage it.

The core details for Evergreen Business Capital — name, location, contact, and lender type — are compiled from public records and reviewed periodically. Rates, programs, credit policies, and hours change often and are not guaranteed here, so always confirm the latest terms directly with Evergreen Business Capital before applying. If you represent Evergreen Business Capital, claim this listing to keep its information up to date.

You can reach Evergreen Business Capital by phone at (800) 878-6613, or email info@evergreen504.com, or use their contact form at evergreen504.com/contact-us/ — confirm specific SBA loan details directly with their team.

Based on its approved SBA loans, Evergreen Business Capital most often finances businesses in medical practices & clinics. This reflects Evergreen Business Capital's real SBA 7(a) and 504 lending history rather than a stated policy — it can still consider other industries and sets its own current preferences, so confirm with Evergreen Business Capital which sectors it actively lends to before you apply.

SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether Evergreen Business Capital participates in SBA Express depends on its specific SBA lending authority. Contact Evergreen Business Capital and ask if it offers SBA Express and what the current limits and terms look like for your situation.

SBA Preferred Lender Program (PLP) status lets a lender approve loans in-house without sending each one to the SBA first, which usually means faster decisions. Many established banks hold PLP status, but it varies by institution. Evergreen Business Capital can confirm its current PLP standing — ask before you apply if speed matters to you.

The SBA does fund start-ups, but many traditional lenders prefer at least two years of operating history and may ask newer ventures for a larger equity injection or stronger collateral. Evergreen Business Capital's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Evergreen Business Capital directly whether it considers start-up loans.

For SBA 7(a) and 504 commercial real estate loans, borrowers typically contribute around 10% to 20% as a down payment or equity injection, depending on the property and the deal. Exact requirements vary with your credit, the business, and the lender's policy. Ask Evergreen Business Capital what down payment it expects for your specific commercial real estate purchase.

SBA 7(a) loans with terms under 15 years generally carry no prepayment penalty, while longer real estate loans can have one in the early years. Short-term working capital lines often have no penalty, but terms vary by lender. Review your loan agreement and ask Evergreen Business Capital to spell out any prepayment penalties before you sign.

SBA loans can be used for a partner or owner buyout, including buying out an existing equity partner, when the deal is structured to meet SBA rules — for example, the remaining owner generally must stay actively involved. Approval depends on the specifics, so discuss your buyout plan with Evergreen Business Capital to confirm it qualifies and how to document it.

A past personal bankruptcy does not automatically disqualify you from an SBA loan. Lenders look at how long ago it was discharged, the circumstances, and how your credit has recovered since. Evergreen Business Capital weighs this case by case under its own policy, so be upfront about your history and ask Evergreen Business Capital how it evaluates prior bankruptcies.