Small Business Loans

• Operating Lines of Credit

As your business grows, your needs for additional funds may grow, too.  Ranging from $1,000 to $150,000, Albina offers seasonal and working capital lines of credit for small businesses with short-term financing needs.  This revolving business line of credit can be used, paid back and then used again!

• Term Loans

Expand your business, consolidate debt, or purchase a new commercial vehicle or equipment with a flexible Albina term loan ranging from $1,000 to $150,000, available with competitive interest rates.

• Government Guaranteed Lending

Because small businesses sometimes require additional support for loan requests, we partner with local government agencies to provide the maximum options for your small business.

• SBA Loans:

Small Business Administration (SBA) and other government guaranteed loans offer financing you need with the fast turnaround only found with an SBA Express Lender.  

• SBA 7(a):  SBA's primary program for term loans

• SBA 504:  Long-term, fixed asset and owner occupied commercial real estate

• SBA Express:  Quick, streamlined lending process for lines of credit and term loans
  
  

• Capital Access Program (CAP) Loan through Oregon Economic and Community Development Department (OECDD)

CAP Loans range from $1,000 to $150,000, and include the Oregon Credit Enhancement Fund; Oregon Capital Access Program; and the Oregon Business Development Fund

• Microenterprise Fund Loan Program in partnership with OECDD

Albina is proud to partner with the Oregon Economic and Community Development Department (OECDD) to provide access to this fund designed to meet the needs of very small businesses operated by minority individuals, women, and emerging small businesses (MWESB's.)  Loans and lines of credit up to $50,000 are available to MWESB's anywhere in Oregon under flexible terms to encourage the growth of these businesses.