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Business Loans

Gesa's here to help you reach your financial goals - for you as well as your business. Whether you’re starting your business, or expanding to meet growing customer needs, Gesa has a loan or line of credit ready to help. With competitive interest rates, local hometown decision-making, and commercial lenders with over fifty years of experience, Gesa has your best interests in mind.

Get started today!

For more information on Gesa's Business Loans, please contact a Gesa Business Lending Representative today at 509.942.6150.


Lines of Credit

Gesa understands that cash flow is essential for your business. With a Line of Credit from Gesa, we can help your business, so that you can take advantage of purchases or other business needs conveniently.

  • Lines of credit ranging from $25,000 and up
  • Secured or Unsecured - Receivables or Inventory
  • Experienced local lenders - Fast local decisions

Apply for a Line of Credit today by contacting a Business Representative at 509.942.6150.


Visa Credit Card

The Gesa Business Visa credit card offers flexibility, convenience, and security for business owners. With your Business Visa credit card, it's easy to keep business and personal finances separate.

  • Low rates
  • Instant purchasing power
  • Member service available 24/7

Apply for a Gesa Business Visa by downloading an application or contacting a Business Representative at 509.942.6150.

Notes and Fees

APR = Annual percentage rate. All rates, terms and fees subject to change without notice. The interest rate margin is 3.99% over the Prime Rate as published in the Wall Street Journal.


Commercial Real Estate

Whether you're looking to purchase, refinance, or build a new facility, Gesa offers Commercial Real Estate financing with flexible terms and competitive rates.

  • Owner and non-owner occupied financing
  • Industrial, office, retail, apartment, and residential
  • Experienced local lenders - Fast local decisions

Apply for a Commercial Real Estate Loan today by contacting a Business Representative at 509.942.6150.


Commercial Term Loan

Looking for cash for equipment, machinery, vehicles, or other fixed assets? A Gesa Commercial Term Loan can help you grow your business with term loans for larger, long-term expenditures.

  • Fixed or variable interest rates
  • Convenient automatic payment options
  • Experienced local lenders - Fast local decisions

Apply for a Commercial Term Loan today by contacting a Business Representative at 509.942.6150.


Small Business Administration (SBA) Loans

Gesa is ready to help you achieve your goals. As a Preferred Small Business Administration (SBA) Lender, Gesa can approve SBA loans faster and get funds into your hands sooner. This means you can take your start-up or growing business to the next level with lower monthly payments and longer repayment terms.

  • We offer SBA 7(a), Express, and 504 Loan Programs
  • Any applicable fees may be financed directly into the loan
  • Experienced local lenders - Fast local decisions

Apply for a SBA Loan today by contacting a Business Representative at 509.942.6150.

Resource: U.S. Small Business Administration website


Real Estate Construction

Are you starting from scratch or improving your existing business? Gesa’s Real Estate Construction loan works for your owner-occupied building or investment property (non business-owner occupied) such as retail and office buildings.

  • Terms up to 18 months provide the flexibility you need to meet your construction timelines
  • Loan draws are reviewed, ensuring the accuracy to give you peace of mind
  • Experienced local lenders - Fast local decisions

Apply for a Real Estate Construction Loan today by contacting a Business Representative at 509.942.6150.

 

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