Oakridge Business Loans: Bellingham, WA Funding Broker for Whatcom County, WA
Oakridge Business Loans is a broker, not a lender.
Oakridge Business Loans connects you with lending partners; partners make credit decisions and set rates and terms.
Six funding types
6 ways Whatcom County businesses cover payroll, stock, equipment and growth, grouped by how each one is paid back.
Working Capital
Carry payroll, rent and supplier invoices through the weeks before customer payments land.
Business Term Loans
One lump sum for a build-out, an acquisition or a refinance, amortized over a fixed schedule.
Business Line of Credit
A limit you draw against when costs land unevenly, with interest only on what is outstanding.
Inventory Financing
Buy stock ahead of demand, with the goods themselves usually securing the financing.
Equipment Financing
Loans, equipment finance agreements and leases for excavators, ovens, POS hardware and service vans.
Merchant Cash Advance
A purchase of future sales, not a loan. Know the total the funder will collect before you agree.
Sectors lending partners cover
Funding types set against the way cash moves through each Whatcom County sector.
Construction
Contractor and construction financing for Bellingham, WA and Whatcom County: equipment, progress-payment gaps and what partners review, with Census data.
Restaurants
Restaurant financing for Bellingham, WA and Whatcom County: kitchen and POS equipment, lines of credit, working capital and buying a restaurant.
Retail
Retail store financing for Bellingham, WA and Whatcom County shop owners: stock, fixtures, POS, payroll, ecommerce and buying a store, with Census data.
Our Commercial Street office
Ask a funding question by phone or through the form, and we will walk through repayment, security and the paperwork partners tend to check.
- Address
- 1302 Commercial St, Bellingham, WA 98225
- Phone
- (360) 370-4248
- Role
- Broker, not a lender
A broker, not a lender
- For Whatcom County and Skagit County ownersWorking capital, term loans, credit lines, inventory and equipment financing, and merchant cash advances (an advance is not a loan).
- The arrangementOakridge Business Loans is a broker, not a lender.
Oakridge Business Loans, a small-business funding broker in Bellingham, WA, does not lend its own money. From 1302 Commercial St it helps Whatcom County owners compare six funding types and passes each request to lending partners, which approve or decline it and set every rate and term. Call (360) 370-4248 to describe what the funding is for.
How it works
From the first phone call to a partner's yes or no, in four steps.
Explain the purpose
Call, or send the short form for a callback. Expect questions about the use of the money and the source of repayment.
Choose a structure
The purpose points to a structure, and the structure points to partners that provide it.
Underwriting
A lending partner reviews the file, decides, and sets any rate and terms.
Read, then decide
Weigh any offer by total cost and payment timetable. Turning it down costs you nothing with us.
Start a Funding Request
Five quick fields for your contact details. Rather phone? Call (360) 370-4248.
Oakridge Business Loans connects you with lending partners; partners make credit decisions and set rates and terms. See our Privacy Policy, Terms and SMS Terms.
Questions Whatcom County, WA Owners Ask First
Short answers to the questions owners raise most often.
If the name says Loans, does Oakridge Business Loans lend money?
No. Oakridge Business Loans is a broker, not a lender. Lending partners handle the credit decision, rates and terms, while our part is preparing the request and explaining the choices. The disclosures say so in full.
What funding structures does Oakridge cover?
Six: working capital, term loans, business credit lines, inventory financing, equipment financing and merchant cash advances. A merchant cash advance is not a loan, and we explain how it differs before you consider one.
Do you work with businesses outside Bellingham, WA?
Yes. The office is on Commercial Street, and we work by phone and online with owners in Ferndale, Lynden, Everson and the rest of Whatcom County, and in Skagit County towns such as Anacortes, Bow and Sedro-Woolley. The communities page lists them.
Are you an SBA lender?
No. We are not a lender of any kind, SBA or otherwise. Participating banks and other lenders make SBA-backed loans, and if one of those suits your situation, we will say so rather than steer you elsewhere.
Will a partner pull my credit?
Most lending partners review business credit and often the personal credit of each owner. Ask the partner what type of inquiry it will make before you give permission.
Something not covered? Phone (360) 370-4248 and put it to us directly.
Related reading
- how Oakridge operates
About Oakridge Business Loans, a small-business funding broker, not a lender, at 1302 Commercial St, Bellingham, WA: what we do, and what we will not do.
- ways to reach us
Contact Oakridge Business Loans at 1302 Commercial St, Bellingham, WA 98225, or call (360) 370-4248.
Describe the job the money has to do
Call (360) 370-4248 or send the short form.