Business Banking 

Loan rates are available from any of our loan officers.
You can reach them at any of our branch locations.

Dental Financing Loans

Our dental team understands your business and is willing to offer you support in key areas to help position your practice for growth and success.  We will make the loan process as easy as possible.  We are extremely knowledgeable and well-equipped to help you achieve your goals and stay pointed in the right direction.  Our lending team is here to assist you with your financial needs.  Our dental support staff is available to review your business office structure, functions and work flow.


  • 100% financing with competitive, fixed-rate loans
  • Expand or relocate your practice
  • Upgrade equipment, systems or technology
  • Consolidate business debt
  • Rediscover the practice within your practice


  • Patient care
  • Production and collections
  • Continuing care
  • Practice overhead
  • Staff Management

To learn more about our dental financing program, please call Chuck Hoeschen, VP/Dental Financing Manager at (360) 705-4200 or e-mail or Marti Huld, Dental Financing Support at (360) 705-4200 or e-mail

Builder Construction Loans

Our Builder Construction Department offers diversified programs for all aspects of land acquisitions, development, and construction lending.  Our qualified staff has over 30 combined years in the industry.  They are supported by efficient and expedient internal systems to meet the needs of this special type of financing.  Some of the reasons local builders choose South Sound Bank as their construction lender are: 

  • Local decision-making
  • Flexible programs to meet specific needs
  • In-house site inspections
  • Fast loan approval
  • Personalized service

To learn more about our construction lending programs, please call Chuck Hoeschen, VP/Construction Loan Manager at (360) 705-4200 or e-mail

Commercial Loans

South Sound Bank has experienced professional bankers that can help your business grow.  We understand business and our local market and customize our loans for each individual business.  We are committed to providing you with fast efficient turn-around time.  Our decisions are made locally and we offer competitive rates and terms.

Business Lines of Credit

This loan is designed for short term financing.  A line of credit can help with those ups and downs of cash flow or act as a safety net in the event of an unexpected expense.  It will assist you by providing working capital so that you can move ahead.  You can borrow and repay as needed.  You pay interest monthly on the amount outstanding.  If you would like to have the cash available when you need it, talk to one of our loan officers.

Term Loans

This loan is for the purchase of equipment or other assets to aid in helping your business grow.  We will work to set up the loan with the right term and payment schedule that will work for your needs.  Contact one of our loan officers today to discuss a term loan.

U.S. Small Business Administration (SBA) Guarantee Loan

South Sound Bank is an approved lender with the U.S. Small Business Administration.  We can provide the expertise that will allow you to take full advantage of the US Government SBA programs.

SBA Loan Programs:  

  • 7(a) -- Regular Business Loan
  • SBA Express
  • 504 Loan Program

Examples of what loans proceeds can be used for: 

  • Purchase an existing business
  • Purchase machinery, equipment, and fixtures
  • Finance Inventory
  • Purchase or construct an owner-occupied commercial building
  • Working Capital

To learn more about our SBA programs, please call Tim Timmer, VP/Loan Officer at (360) 705-4200 or e-mail

Business Credit Cards

With South Sound Bank's MasterCard® Business Credit Cards your business can have world-wide buying power at its fingertips!  You will be able to track employee spending, track day-to-day purchases, and keep your business and personal expenses separated.  Flex Miles are also available.  Select benefits for a list of benefits offered for a new MasterCard® program or our existing VISA® program.  Just complete the application and mail it to your branch of account or bring it into a loan officer. 

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