Washington Lending

Private Money Lender in Washington

Bridge financing for Washington real estate investors and developers, on both sides of the Cascades, with closings as fast as 14 days.

Loan Size

$750K – $4M

Loan Rate

10%–13%

LTV

up to 65%

Term

3–12 months

Close In

As fast as 14 days

Salt Lake City

Miller Bates is a private money lender headquartered in Salt Lake City, Utah, and Washington is one of the ten states we lend into. We finance Seattle, Spokane, Tacoma, Vancouver, and Bellingham, and we look at deals across King, Spokane, Pierce, Clark, and Whatcom counties as well as smaller markets throughout the state.

Washington runs as two distinct markets: the Puget Sound corridor, where pricing and competition are high, and Eastern Washington around Spokane, where land and small commercial deals dominate. We lend into both.

Loans typically run $750,000 to $4,000,000, with rates of 10%–13%, LTV of up to 65%, and terms of 3–12 months with optional 1–12 month extensions. Every loan is secured by a first-position deed of trust on real property plus the borrower's personal guaranty, and every loan closes through a title company and an attorney.

What We Fund

Washington project types

Residential investment property — acquisition, renovation, and repositioning of non-owner-occupied homes and small multifamily.
Raw and improved land — entitled and unentitled parcels, lot development, and horizontal improvements.
Commercial real estate — retail, office, industrial, and special-purpose assets.
Mixed-use — combined residential and commercial projects.
Bridge and refinance — short-term capital to close quickly, retire an existing loan, or hold a property through a transition.

Not sure whether your deal fits? Tell us about it — we will give you a straight answer quickly.

Washington FAQ

Common questions from Washington borrowers

Does Miller Bates lend throughout Washington?

Yes. We lend across Washington, with activity concentrated around Seattle, Spokane, Tacoma, Vancouver, and Bellingham.

What types of Washington properties does Miller Bates lend on?

Residential investment properties, raw and improved land, mixed-use, and commercial real estate. Loans typically range $750,000 to $4,000,000.

What are Washington bridge loan rates through Miller Bates?

Loan rates typically range 10%–13% APR with LTV of up to 65% and terms of 3–12 months with optional extensions.

How quickly can Miller Bates close a Washington bridge loan?

As soon as 14 days from approval to funding, depending on title work and due diligence.

Does Miller Bates have an office in Washington?

No. We are headquartered in Salt Lake City and lend into Washington from that office. Every loan closes through a title company and an attorney, and we have been lending since 2015 — with a predecessor firm dating to 2003.

Get funded in Washington

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