Evergreen Business Capital: SBA Lending Profile
Evergreen Business Capital is a Certified Development Company (CDC), headquartered in Seattle, WA. It is active in 5 states, concentrated around WA, OR, AK. Everything below comes from federal SBA loan records, not from the lender's marketing. This is what it has actually funded.
Loan sizes Evergreen Business Capital actually approves
The median SBA approval at Evergreen Business Capital is $500,000. The middle 80% of its loans fall between $193,000 and $1,790,000. The smallest funded approval in the available source window is $51,000 and the largest is $5,500,000. If the amount you need sits far outside that range, this is probably not the right first call, no matter what the website says.
Programs
| Program | Loans FY25-26 | Median size | Median rate | Median term |
|---|---|---|---|---|
| SBA 504 | 135 | $500K | n/a | 20 years |
| SBA 7(a) | 3 | $113K | 10.88% | 10 years |
Industries it funds most
| Industry | Funded loans in source data | Share |
|---|---|---|
| Offices of Dentists | 90 | 5.2% |
| Hotels (except Casino Hotels) and Motels | 86 | 5% |
| Full-Service Restaurants | 61 | 3.5% |
| Offices of Physicians (except Mental Health Specialists) | 39 | 2.2% |
| General Automotive Repair | 39 | 2.2% |
| All Other Specialty Trade Contractors | 34 | 2% |
| Offices of Lawyers | 32 | 1.8% |
| Limited-Service Restaurants | 31 | 1.8% |
| Lessors of Miniwarehouses and Self-Storage Units | 30 | 1.7% |
| Plumbing, Heating, and Air-Conditioning Contractors | 25 | 1.4% |
| Full-Service Restaurants | 22 | 1.3% |
| Used Car Dealers | 21 | 1.2% |
How fast Evergreen Business Capital actually funds
Approval is not money in the bank. Across 1,521 loans where both dates are on record, the typical gap between SBA approval and first disbursement at Evergreen Business Capital is 141 days. Half its loans fund between 103 and 295 days. That is slow relative to the roughly 20 day typical SBA lender, which is normal for real estate backed deals that need appraisals, but worth planning around if your timeline is tight.
Lending momentum
Evergreen Business Capital has been pulling back. Approvals are down 25.4% from FY2023 to FY2025, which can mean tightened credit or a shift in strategy. Worth asking about before you invest time in an application.
Funded approvals by SBA fiscal year (October to September). FY2026 is excluded because it is still in progress.
Borrower profile
- only 3.9% of its funded SBA records with known business age went to startups, this lender works almost entirely with established businesses.
- Collateral was taken on 99.1% of its recent SBA loans.
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Sources and limits. Figures are derived from U.S. Small Business Administration 7(a) and 504 FOIA loan-level records (data as of 2026-06-30, retrieved 2026-08-08) and FDIC public institution data. Funding speed is the median gap between approval date and first disbursement date in SBA records. Some lenders report disbursement at month end, which can round the figure upward. They describe past lending activity only. They are not rate quotes, not current offers, and not an indication that any business will qualify. Lender programs and criteria change. Big Brain Funding is not affiliated with or endorsed by Evergreen Business Capital.