# Oakridge Business Loans > Oakridge Business Loans is a small-business funding broker at 1302 Commercial St, Bellingham, WA 98225 (phone (360) 370-4248). It helps businesses in Bellingham, WA; Ferndale, WA; Everson, WA; Bow, WA; Lynden, WA; Anacortes, WA; Sedro-Woolley, WA and across Whatcom County, Washington, explore working capital, business term loans, business lines of credit, inventory financing, equipment financing and leasing, and merchant cash advances. Oakridge Business Loans connects you with lending partners; partners make credit decisions and set rates and terms. Oakridge Business Loans is not a lender, approval is never guaranteed, and a merchant cash advance is not a loan. Oakridge Business Loans does not arrange personal, payday, auto title, mortgage or consumer loans, is not an SBA lender, and does not offer grants. Key facts: - Business type: small-business funding broker (not a lender) - Address: 1302 Commercial St, Bellingham, WA 98225, United States - Phone: (360) 370-4248 - Apply: https://oakridgebusinessloans.com/apply/ - Service area: Bellingham, WA; Ferndale, WA; Everson, WA; Bow, WA; Lynden, WA; Anacortes, WA; Sedro-Woolley, WA and all of Whatcom County, Washington - Language: English ## Funding options - [Comparing Business Funding for Bellingham and Whatcom County, WA](https://oakridgebusinessloans.com/business-loans/): Oakridge Business Loans, a small-business funding broker in Bellingham, WA, compares six funding types for Whatcom County owners: working capital, term loans, revolving credit, stock and machinery financing, and merchant cash advances. Each is repaid or collected differently, and lending partners, not the broker, decide and set the terms. - [Working Capital Financing in Whatcom County: A Guide for Bellingham, WA Owners](https://oakridgebusinessloans.com/business-loans/working-capital/): Working capital financing is short-term funding that keeps payroll, rent and supplier bills paid while revenue catches up, typically with fixed installments over a period of months. Oakridge Business Loans, a small-business funding broker in Bellingham, WA, helps Whatcom County owners measure the gap and matches it to lending partners, who make credit decisions and set rates and terms. - [Business Term Loans in Whatcom County: A Guide for Bellingham, WA Owners](https://oakridgebusinessloans.com/business-loans/term-loans/): A business term loan is a lump sum repaid in scheduled installments over a fixed term, often several years, for projects like build-outs, acquisitions or refinancing. Oakridge Business Loans, a small-business funding broker in Bellingham, WA, helps Whatcom County owners prepare term loan requests for lending partners, which make credit decisions and set rates and terms. - [Business Lines of Credit in Whatcom County: A Guide for Bellingham, WA Owners](https://oakridgebusinessloans.com/business-loans/line-of-credit/): A business line of credit gives a borrowing limit to draw from as needed, with interest charged on the drawn balance and, on a revolving line, the limit restored as you repay. Oakridge Business Loans, a small-business funding broker in Bellingham, WA, helps Whatcom County owners request lines from lending partners, who make credit decisions and set rates and terms. - [Inventory Financing in Whatcom County: A Guide for Bellingham, WA Owners](https://oakridgebusinessloans.com/business-loans/inventory-financing/): Inventory financing is business funding used to buy stock, typically secured by that inventory and repaid as the goods sell or on a fixed schedule. Oakridge Business Loans, a small-business funding broker in Bellingham, WA, helps Whatcom County retailers and wholesalers prepare inventory requests for lending partners, which make credit decisions and set rates and terms. - [Equipment Financing and Leasing in Whatcom County: A Guide for Bellingham, WA Owners](https://oakridgebusinessloans.com/equipment-financing/): Equipment financing funds business equipment through a loan, an equipment finance agreement or a lease, usually secured by the equipment itself. Oakridge Business Loans, a small-business funding broker in Bellingham, WA, helps Whatcom County contractors, restaurants, retailers and practices compare these structures and request them from lending partners, which make credit decisions and set rates and terms. - [Merchant Cash Advances in Whatcom County: A Guide for Bellingham, WA Owners](https://oakridgebusinessloans.com/merchant-cash-advance/): A merchant cash advance is not a loan: a funder buys a portion of a business's future receipts for a lump sum and collects it through a holdback on sales or fixed debits until an agreed total is remitted. Oakridge Business Loans, a small-business funding broker in Bellingham, WA, explains advances to Whatcom County owners; funders decide and set the terms. ## Industries - [Sector Financing for Bellingham and Whatcom County, WA](https://oakridgebusinessloans.com/industries/): Oakridge Business Loans, a small-business funding broker in Bellingham, WA, works with four sectors lending partners cover: building and trade contractors, restaurants, medical and dental offices, and stock-holding retail and wholesale firms. Construction is Whatcom County's largest sector by employers and payroll. Lending partners make credit decisions and set rates and terms. - [Contractor and Construction Financing in Whatcom County: A Guide for Bellingham, WA Owners](https://oakridgebusinessloans.com/industries/construction/): Oakridge Business Loans, a small-business funding broker in Bellingham, WA, helps Whatcom County contractors finance equipment and cover gaps between progress payments. The county had 972 construction employer establishments in 2023, 70.1 percent with fewer than five employees. Lending partners make credit decisions and set rates and terms. - [Restaurant and Food Service Financing in Whatcom County: A Guide for Bellingham, WA Owners](https://oakridgebusinessloans.com/industries/restaurants/): Oakridge Business Loans, a small-business funding broker in Bellingham, WA, helps Whatcom County restaurants finance kitchen and POS equipment, remodels and payroll gaps. The county had 446 restaurant employer establishments in 2023, most with five or more employees. Lending partners make credit decisions and set rates and terms. - [Retail Store Financing in Whatcom County: A Guide for Bellingham, WA Owners](https://oakridgebusinessloans.com/industries/retail/): Oakridge Business Loans, a small-business funding broker in Bellingham, WA, helps Whatcom County retailers fund stock, fixtures, POS systems, payroll and store purchases. The county had 793 retail employer establishments in 2023, employing 11,198 people. Lending partners make credit decisions and set rates and terms. ## Guides and calculators - [Washington State Funding Guides for Bellingham, WA Owners](https://oakridgebusinessloans.com/resources/): Oakridge Business Loans, a small-business funding broker in Bellingham, WA, publishes guides for Washington State owners: getting a business loan in Washington, the state business license and B&O tax, Bellingham city registration, Whatcom County resources, term sheets and commitment letters, and a debt-to-equity and payment calculator. - [How to Get a Small Business Loan in Washington State: A Bellingham, WA Guide](https://oakridgebusinessloans.com/resources/how-to-get-a-business-loan-in-washington-state/): Oakridge Business Loans, a small-business funding broker in Bellingham, WA, explains how to prepare for a small business loan in Washington State: get state and city registration in order, separate business finances, gather statements and returns, know your ratios, then compare banks, credit unions, online lenders and SBA-backed loans. Lenders decide and set terms. - [Washington Business Licensing Service, UBI Number and B&O Tax: What Lenders Ask For](https://oakridgebusinessloans.com/resources/washington-business-license-and-bo-tax/): Oakridge Business Loans, a small-business funding broker in Bellingham, WA, explains Washington State registration for funding: the Department of Revenue's Business Licensing Service, the UBI number used for taxes and changes, city endorsements, the state B&O tax on gross receipts, and Secretary of State entity filings. Lenders often verify all of these. - [City of Bellingham, WA Business License and B&O Tax: A Local Checklist](https://oakridgebusinessloans.com/resources/bellingham-business-license-and-bo-tax/): Oakridge Business Loans, a small-business funding broker in Bellingham, WA, summarizes the City of Bellingham's business steps: registration as a Bellingham city endorsement on the Washington state business license through the Department of Revenue, and a city B&O return filed separately from state taxes. Applicability questions belong with an accountant or attorney. - [Small Business Resources in Bellingham and Whatcom County, WA](https://oakridgebusinessloans.com/resources/whatcom-county-small-business-resources/): Oakridge Business Loans, a small-business funding broker in Bellingham, WA, lists free and public small-business resources for Whatcom County: no-cost advising through the Small Business Development Center network, the Port of Bellingham's economic development work, City of Bellingham and Washington State business offices, and local business organizations. None is affiliated with the broker. - [Business Loan Term Sheets and Commitment Letters: Reading an Offer](https://oakridgebusinessloans.com/resources/business-loan-term-sheet-and-commitment-letter/): Oakridge Business Loans, a small-business funding broker in Bellingham, WA, explains business loan offer documents: a term sheet outlines proposed terms, a commitment letter states the lender's commitment subject to conditions, and the loan agreement is the binding contract. Owners should check conditions precedent, fees and security before signing. - [Debt-to-Equity Ratio Worked by Hand, With a Loan Payment Calculator](https://oakridgebusinessloans.com/resources/debt-to-equity-ratio-calculator/): Oakridge Business Loans, a small-business funding broker in Bellingham, WA, explains the debt-to-equity ratio: total liabilities divided by owner's equity, taken from the balance sheet and worked out by hand. The calculator on this page estimates a new loan's monthly payment, total interest and total repaid. Lenders set actual rates and terms. ## Areas served - [Bellingham, Washington Business Funding: Whatcom County, WA Facts](https://oakridgebusinessloans.com/bellingham-wa/): Oakridge Business Loans, a small-business funding broker in Bellingham, WA, is at 1302 Commercial St. Whatcom County had 7,146 employer establishments in 2023, 58.1 percent with fewer than five employees, and construction led every sector. The broker helps local owners compare six funding types; approval and pricing rest with lending partners. - [Whatcom and Skagit Communities Served From Bellingham, WA](https://oakridgebusinessloans.com/service-areas/): Oakridge Business Loans, a small-business funding broker in Bellingham, WA, works with owners across Whatcom County and nearby Skagit County from one office at 1302 Commercial St. Six of them have a dedicated page; others are described here with Census figures. Lending partners make credit decisions and set rates and terms. - [Business Funding for Ferndale, WA Owners Near Bellingham, WA](https://oakridgebusinessloans.com/service-areas/ferndale-wa/): Oakridge Business Loans, a small-business funding broker in Bellingham, WA, works with Ferndale owners by phone and online. ZIP 98248 had 765 employer establishments in 2023, led by construction, retail and manufacturing. We help compare six funding types; lending partners make credit decisions and set rates and terms. - [Business Funding for Everson, WA Owners Near Bellingham, WA](https://oakridgebusinessloans.com/service-areas/everson-wa/): Oakridge Business Loans, a small-business funding broker in Bellingham, WA, works with Everson owners by phone and online. ZIP 98247 had 223 employer establishments in 2023, about a quarter in construction. We help compare six funding types; lending partners make credit decisions and set rates and terms. - [Business Funding for Bow, WA Owners Near Bellingham, WA](https://oakridgebusinessloans.com/service-areas/bow-wa/): Oakridge Business Loans, a small-business funding broker in Bellingham, WA, works with owners in Bow, a Skagit County community, by phone and online. ZIP 98232 had 117 employer establishments in 2023, 70.1 percent with under five employees. We help compare funding types; approval and pricing rest with lending partners. - [Business Funding for Lynden, WA Owners Near Bellingham, WA](https://oakridgebusinessloans.com/service-areas/lynden-wa/): Oakridge Business Loans, a small-business funding broker in Bellingham, WA, works with Lynden owners by phone and online. ZIP 98264 had 748 employer establishments in 2023, led by construction and retail. We help compare six funding types; lending partners make credit decisions and set rates and terms. - [Business Funding for Anacortes, WA Owners Near Bellingham, WA](https://oakridgebusinessloans.com/service-areas/anacortes-wa/): Oakridge Business Loans, a small-business funding broker in Bellingham, WA, works with Anacortes owners in Skagit County by phone and online. ZIP 98221 had 742 employer establishments in 2023, with retail the largest sector. We help compare six funding types; approval and pricing rest with lending partners. - [Business Funding for Sedro-Woolley, WA Owners Near Bellingham, WA](https://oakridgebusinessloans.com/service-areas/sedro-woolley-wa/): Oakridge Business Loans, a small-business funding broker in Bellingham, WA, works with Sedro-Woolley owners in Skagit County by phone and online. ZIP 98284 had 446 employer establishments in 2023, about 29 percent in construction. We help compare six funding types; approval and pricing rest with lending partners. ## Company - [Oakridge Business Loans: Bellingham, WA Funding Broker for Whatcom County, WA](https://oakridgebusinessloans.com/): 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 a Bellingham, WA Funding Broker Works, Start to Offer](https://oakridgebusinessloans.com/how-it-works/): Oakridge Business Loans, a small-business funding broker in Bellingham, WA, works in four steps: learn what the funding is for, match it to a funding type, introduce the request to lending partners that underwrite and decide, then help the owner compare any offer on total cost. Partners make credit decisions and set rates and terms. - [Questions Bellingham, WA Owners Ask Before Applying](https://oakridgebusinessloans.com/faq/): Oakridge Business Loans, a small-business funding broker in Bellingham, WA, answers common owner questions here: what a broker does, whether sole proprietors can get business funding, whether an EIN is needed, how credit checks work, and which Whatcom and Skagit County businesses we work with. Credit decisions and terms stay with lending partners. - [Request Business Funding Options From Bellingham, WA](https://oakridgebusinessloans.com/apply/): Oakridge Business Loans, a small-business funding broker in Bellingham, WA, takes funding requests through a short online form or by phone at (360) 370-4248. The form asks only for contact details and the business name; we discuss the purpose by phone, then introduce suitable requests to lending partners, which make credit decisions and set terms. - [About Oakridge Business Loans in Bellingham, WA](https://oakridgebusinessloans.com/about/): Oakridge Business Loans is a small-business funding broker in Bellingham, WA, not a lender. From 1302 Commercial St it helps Whatcom County and Skagit County owners compare six funding types and connects them with lending partners, which make credit decisions and set rates and terms. Business funding is the only thing we handle. - [Contact Oakridge Business Loans in Bellingham, WA](https://oakridgebusinessloans.com/contact/): Oakridge Business Loans, a small-business funding broker in Bellingham, WA, is at 1302 Commercial St, Bellingham, WA 98225, phone (360) 370-4248. Owners across Whatcom and Skagit counties can call or send a short online request. Oakridge Business Loans connects you with lending partners, which make credit decisions and set rates and terms. - [Broker Disclosures for Oakridge Business Loans, Bellingham, WA](https://oakridgebusinessloans.com/disclosures/): Oakridge Business Loans, a small-business funding broker in Bellingham, WA, is a broker, not a lender. Lending partners review requests, approve or decline them, and set every rate and term. The broker does not promise approval, amounts, pricing or timing, and a merchant cash advance it discusses is not a loan. ## Optional - [Full text of every page](https://oakridgebusinessloans.com/llms-full.txt): plain-text version of the site for AI assistants - [Sitemap](https://oakridgebusinessloans.com/sitemap.xml)