- As of mid-2026 Washington has no commercial financing disclosure law in effect for merchant cash advances; its existing disclosure rules focus on consumer and real-estate-secured loans under the Consumer Loan Act.
- The economy splits between Puget Sound technology, aerospace, and maritime trade and an eastern agriculture and food-processing base, with no income tax but a Business & Occupation tax on gross receipts.
- Washington is served primarily by the SBA Seattle District Office and its Spokane branch, while four southwest counties work through the Portland district.
Funding the Washington economy
Washington is really two economies stitched together by the Cascades. West of the mountains, Puget Sound runs on software, cloud computing, aerospace, and a busy maritime trade sector flowing through the ports of Seattle and Tacoma. East of the mountains, the Columbia Basin and the land around Spokane and Yakima power a nationally important agriculture and food-processing industry. That contrast means a Seattle SaaS startup and a Yakima orchard can both call Washington home — and both need capital that fits their cycle.
Industries we fund across Washington
- Technology & e-commerce — revenue-based and growth financing for the dense base of software and online-retail businesses around Seattle and Bellevue.
- Agriculture & food processing — equipment loans and seasonal working capital for orchards, packers, and processors in Yakima, Wenatchee, and the Columbia Basin.
- Aerospace & manufacturing suppliers — equipment financing for the shops feeding Washington’s aerospace supply chain.
- Maritime, fishing & logistics — working capital and invoice factoring for fishing operators, freight, and trade businesses tied to the ports.
- Construction & trades — financing to manage project timelines and material costs across the growing Seattle, Tacoma, and Spokane metros.
What the regulations mean for you
Washington has not enacted a commercial financing disclosure law, so MCA and sales-based financing providers aren’t required by the state to hand you a standardized cost or APR figure for a business advance. The state’s existing disclosure rules largely target consumer and real-estate-secured loans, not commercial advances. Practically, that means you should ask for the total payback amount, all fees, and the payment schedule in writing before signing. Hoss Capital only works with partners who operate transparently.