How it works
You complete one streamlined application, and Heronbrook Lending Group shops it to multiple commercial lenders. We gather your documentation once, then present your file to banks, credit unions, and alternative lenders who compete for your business. Most Kent applicants from the East Hill manufacturing corridor and the Midway industrial zone receive initial lender feedback within three business days, and you choose which offer fits your growth plan.
### Step 1: Phone Consultation
Call (253) 541-3712 to discuss your funding need. We ask about revenue, time in business, use of funds, and whether you operate from Kent's West Hill retail district or another local commercial area. This 15-minute conversation determines which programs suit your situation and what documents will strengthen your application.
### Step 2: Submit Your Documents
Typical documentation includes three months of business bank statements, a year-to-date profit-and-loss statement, and your most recent business tax return. Kent clients in construction or wholesale distribution often add a current accounts-receivable aging report for invoice factoring or business lines of credit. Upload or drop off papers at 6627 S 191st Pl, Kent, WA 98032, Kent, WA during business hours.
### Step 3: Get Matched to a Lender
We submit your application to lenders whose credit-box and program criteria match your profile. You receive term sheets by phone, review rates and repayment schedules, then decide. If you want SBA 7(a) loans for lower rates or equipment financing with collateral-only underwriting, we explain trade-offs in plain language before you sign.
Lenders may request updated financials or a site visit. Heronbrook coordinates those steps so you handle one point of contact instead of fielding calls from multiple institutions. Approval timelines range from 48 hours for working-capital advances to 45 days for commercial real estate loans. We update you at every milestone and never charge upfront fees to apply.
Ready to start? Visit our Kent hub or call (253) 541-3712. You can also stop by our contact office on South 191st Place near the Kent-Kangley Road junction for a no-obligation consultation.
Common questions
Why Kent owners trust Heronbrook Lending Group
Talk to a local advisor and get matched to the right program, no obligation.