About this programme
SNAP Financial Access (SNAP) is a nonprofit community lender based in Spokane, Washington, describing itself as a compassionate SBA lender for every stage of business development. It combines business loans with one-on-one consulting, premium business training, and credit building support.
SNAP says it exists to fund women, veterans, communities of color, immigrants, LGBT, disabled, and other traditionally under-banked entrepreneurs, and states it continues to support borrowers through and past the life of their loan with free coaching and training classes.
How it works
SNAP lends between $5,000 and $150,000. Loan funds can be used for equipment, inventory, working capital, commercial real estate, furniture and fixtures, or debt restructuring.
The application runs through a four-step process: tell SNAP about your business, go through an SFA assessment, receive personalized training, then apply for the loan itself.
Who can apply
The business must be located in one of these Washington counties: Spokane, Adams, Asotin, Benton, Columbia, Ferry, Franklin, Garfield, Lincoln, Pend Oreille, Stevens, Walla Walla, or Whitman.
Applicants must be at least 18, have legal U.S. work status, and have filed personal tax returns for the previous 2 years. They must not have had a bankruptcy discharge within the previous 12 months, and any child support payments must not be more than 60 days past due.
How to apply
- Tell SNAP about your business.
- Complete SNAP's business assessment.
- Go through personalized training.
- Apply for the loan.
Documents you’ll typically need
- Start-up businesses: business plan, collateral, 20-25% down payment, 24-36 month financial projections, owner resumes, 2 years of personal tax returns, 2 months of personal bank statements, and a Personal Financial Statement.
- Established businesses: business plan, current balance sheet, 2 years of tax returns, operating agreements, licenses, collateral, and a 20-25% down payment.
Frequently asked
How much can I borrow from SNAP?
Loans range from $5,000 to $150,000.
Which counties does SNAP serve?
Spokane, Adams, Asotin, Benton, Columbia, Ferry, Franklin, Garfield, Lincoln, Pend Oreille, Stevens, Walla Walla, and Whitman counties in Washington.
Do I need a down payment?
Yes, SNAP asks for a 20-25% down payment as part of the loan structure, whether you are a start-up or an established business.
What can I use the loan for?
Equipment, inventory, working capital, commercial real estate, furniture and fixtures, or debt restructuring.
Does SNAP only lend to underserved entrepreneurs?
SNAP states it exists to fund women, veterans, communities of color, immigrants, LGBT, disabled, and other traditionally under-banked entrepreneurs, alongside general small business lending.
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All 7 programmes in Washington →
Reviewed 2026-09-25. Programmes change, so check eligibility, amounts and deadlines on the official page before you apply. CapEasy is a private firm and is not part of any government body.