Flexible Financing for Your Next Big Move

Whether you're starting a business, expanding operations, making improvements, purchasing a building, or bridging a funding gap, Craft3 provides capital to help your business grow.

Note: Before you begin, we strongly recommend you prepare the following documents:

1. Business Plan – if you are requesting startup financing, you will be required to submit a business plan. If you don’t have one, review our guide to learn how to create one.

2. Monthly Financial Projections - if you have projections, please have a copy ready to upload. If you don’t have projections, don’t worry; we can still consider your loan request.

Expanding access to capital since 1994.

In the past 30 years, we’ve made $728.2 million in loans to 2,057 businesses across the Pacific Northwest.

$52.7 million to

low-income borrowers

$143 million to

women-owned businesses

$181.1 million to

businesses owned by people of color

What our customers are saying

Pacific Northwest Businesses Trust Craft3 to Fuel Their Growth

“Craft3 came through in a big way with a bridge loan, which enabled a low-income solar project that our team otherwise would not have been able to afford. Craft3's application process, especially for a new organization like us, was very linear, straightforward, and efficient.”

Mason R., Olympia Community Solar

“What is present in the community because of Craft3 is a level of service for humans who have no voice. This group of humans now has access to high-quality care they wouldn’t otherwise receive.”

Jeffrey K., Lilac Learning Center

“No question was off the table. For me, that was important, especially when you're talking about financing. When you're working with a lender you deserve to have clear answers to all your questions. Craft3 was open and transparent and that was a breath of fresh air.”

Carmen S., White Center Food Bank

“Craft3 saw the value of what we were doing — and the value of myself and Jonathan Garrett my co-founder.”

Sundown H, Chesed Farms

"Working with Craft3 and BuildUp Oregon has significantly enhanced CAIRO's capacity to serve the African immigrant and refugee community. This collaboration has enabled us to further our mission of empowering families by providing safe, culturally responsive spaces for learning and growth."

Abdisalan M., Center for African Immigrants and Refugee Organization (CAIRO)

“Without Craft3, this project just doesn’t happen. The rents in the area are too low for it to make sense through traditional development financing.”

Roy K., Rockwood Rising

“It’s been fantastic working with Craft3. We were having a difficult time due to the delayed funding. I didn’t even think about a bridge loan until the Oregon Community Foundation recommended Craft3. Then everything was straightforward and easy. Getting that loan saved us.”

Allison F., Painted Sky Center for the Arts

“My lender really took the time to learn about me, ask questions, and explain anything I didn’t understand. It was hard work, but very worth it!”

Divine, Alex's Pilipino Store

Learn More about Working with Craft3

What happens after I fill out the intake form?

After filling out the intake form, a Craft3 team member will reach out within 3 business days to schedule a call to determine potential fit. If it’s a potential fit, you’ll be invited to apply for a loan. Once a loan application is finished, it will take around 30 days to close, though loans that exceed $250,000 can take longer.

What if I don’t have a business plan and/or financial projections?

Craft3 offers some flexibility with the documents we require based on whether you are looking for funding for a startup or an established business.

For established businesses, you will need to provide:

Three years of business and personal tax returns
Personal Financial Statements from anyone who owns 20% or more of the business
Three years of financial statements, plus year-to-date financial statements

For startups (businesses less than 24 months old), you will need to provide:

Projections for the next 24 months
Business plan
Personal Financial Statements from anyone who owns 20% or more of the business

Craft3 offers resources that help small business owners expand their business, including how to create a business plan and how to develop financial statements.

How is Craft3 different from a bank?

Craft3 is a nonprofit, mission-driven lender—not a bank. As a nonprofit lender, Craft3 is focused on building partnerships with small business owners. We offer excellent customer service and loans that can be tailored to fit complex situations.

We have a higher tolerance for risk and uncertainty, and can often make loans that banks and credit unions cannot. By making these types of loans, we aim to not only expand access to capital in the Pacific Northwest but also to help our customers become bankable for their future needs.