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"The best thing they do is solve my problems."

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Commercial Loan Center

Dreaming of bigger things for your business? We can help.

Growth. It’s what business is all about. And we’re all about providing the loans you need to get there.  

“Fast Track” Business Equity Loan or Line of Credit

Columbia Bank gives you the ability to get credit fast with the real estate equity you already have in your business with our Fast Track Business Equity Loans.

Choose from a revolving line of credit or a term loan—and do it faster than most traditional loans. Because there is less documentation required, you get your loan faster so you can get what you need when you need it.

Fast Track Revolving Line of Credit Fast Track Term Loan
  • Variable Rate up to Prime +2%,
    7% floor
  • No origination fee
  • Annual fee $250 for loans up to $250,000 and $500 for loans up to $500,000
  • $500,000 maximum lien on prior loan
  • Maximum CLTV of 70%
  • Minimum of 3-years in business
  • Prepayment penalty of $750 if loan is paid-off within 1-year
  • 5-year maturity
  • Fire and Flood insurance may be required
  • Fixed rate up to FHLB + 3.00% (Call for current pricing) 0.5 - 1.0% loan fee
  • No Annual fee
  • $500,000 maximum lien on prior loan
  • Maximum CLTV of 70%
    Minimum of 3-years in business
  • Prepayment penalty of Standard 5/4/3/2/1
  • 5-year maturity, up to 20 year amortization
  • Fire and Flood insurance may be required

 

BOTH Loans and Lines:

  • $25,000 minimum loan amount
  • Two years tax returns for the business and current YTD business financial statements
  • PFS and two years of tax returns for each guarantor
  • Up to $250,000 if in 2nd lien position
  • Up to $500,000 if in 1st lien position
  • Improved land only
  • DLC product only
  • Booked in the appropriate branch
  • Property types eligible: Retail, Industrial, Office, Warehouse, Mixed Use, Single & Multi Family up to $250,000
  • Excluded: Special Purpose, Environmentally Hazardous, Out of State, Investor, & Purchase.
  • Loan & Line have separate note types
  • 2nd lien position loans require copy of existing lien's Deed of Trust

Term Loans

Whether your business needs a truck, a piece of equipment or working capital, a Columbia Bank Commercial Lender can help you get the right loan.

Commercial Real Estate Loans

Columbia Bank has commercial real estate professionals with years of lending experience and the expertise and commitment to excellent hands-on service to ensure that you get the right loan for you. We specialize in providing loans for owner-occupied business properties, and we offer competitive loan programs for purchase, refinance and construction.

Loan options include:

  • One, three and five-year adjustable rate mortgages (ARMs)
  • Amortization terms up to 30 years
  • Prime-based construction loans
  • 10-year fixed-rate permanent loans through our mortgage brokerage department
  • Competitive rates and fees


To apply for a Commercial Real Estate Loan, or to get more information, please call one of our helpful,
knowledgeable lending staff:

 

Dail Bodziony
Seattle, WA
206-254-2762

Tom Kirkwood
Tacoma, WA
253-396-6974

 

 

David Adams
Seattle, WA
206-223-4515

Tom Poole
Tacoma, WA
253-305-1535

 

Builder Banking

Columbia Builder Banking offers you not only financing that is specific to your project and your needs, but also the experienced bankers and high level of service that you expect from Columbia Bank. We take the time to find out what is important to you and put together the financing that will best serve you.

We offer financing for the construction of:

  • Single family detached and attached vertical financing
  • Land development and finished lot financing
  • Project sizes ranging from just a few lots to master planned communities

To apply for a Builder Banking loan, or to get more information, please call one of our helpful, knowledgeable lending staff:

  • David Adams – Seattle
    206-223-4515
  • Kevin Conklin – Tacoma
    253-305-1963
  • Toll Free
    800-305-1905

Letters of Credit

The Columbia State Bank Base Rate is 3.25% as of December 22, 2008.