You are here: Home Business Business Loans

 
 

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 Commercial Lending Representative today at 509.942.6150.


Image of a male employee holding an open sign

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 Commercial Services Representative at 509.942.6150.


Business Visa® 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 Commercial Services Representative at 509.942.6150. To view the PDFs, you must have the free utility Adobe Reader. Click here to get it.

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.


Image of a Gesa Visa Business Credit Card

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 Commercial Services 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 Commercial Services 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 Commercial Services 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 Commercial Services Representative at 509.942.6150.

 

Equal Housing OpportunityNational Credit Union Administration