Mar 2026"We were turned down by three Portland banks. Ridgeline got us $340K in working capital in two days. We opened our second location on Hawthorne nine months later."
Diego Alvarez
Owner, Casa Maria Cocina
Restaurant · SE Division, Portland
Portland · Funding desk open
Business loans built for Portland, OR
Working capital, SBA, equipment & lines of credit from $10K to $5M - matched across 75+ lenders in one 4-minute application. Multnomah, Washington, Clackamas & Clark County.
Small business loans Portland
Business funding Portland
Business line of credit Portland
No credit-score impact
4-minute application
Funded in 24 hrs
Verified · Mar 2026"Funded in 19 hours. We opened our second Portland location three months later."
Maya R. - Olive & Crumb · Pearl District
★
4.9Google · 1,247 Portland reviews
$
$420M+ funded
Across 3,800+ PDX-metro businesses
Secure & encrypted
Bank-grade 256-bit SSL
$0M+
Deployed to small businesses across the Portland metro
0+
Portland-area businesses funded since 2014
0 yrs
Locally owned, headquartered in downtown Portland
0.0/5
Average rating from 1,200+ PDX customer reviews
Financing options
Funding built around how your business actually runs.
From SBA and working capital to equipment financing and lines of credit - explore the right funding solution for your business, with transparent terms and a real Portland advisor.
All services
Why Ridgeline
When the Portland bank says no, we figure it out.
Approved today
Fast.
Same-day approvals for Portland businesses. Funds wired in 24 hours.
Local.
A Portland-based advisor - not a call center - from application to payoff.
Transparent.
Plain-English terms. No hidden fees. No prepayment penalties. Ever.
Long-term.
We're here for the next round too - many Portland owners come back to grow again.
Counties served
4 · OR & WA
Cities
28+ across PDX metro
Where we serve
From Beaverton to Gresham - funding the Portland metro.
Local underwriters who know your zip code, your industry, and your neighborhood. We fund businesses across every city and county in the Portland metro and SW Washington.
Built for Portland industries
Industry-specific business loans for Portland small businesses.
Ridgeline Lenders funds Portland restaurants, Pearl District retailers, I-5 and I-84 trucking fleets, Beaverton and Hillsboro tech startups, healthcare practices, and construction contractors across Multnomah, Washington, Clackamas and Clark County - with SBA loans, working capital, and equipment financing tailored to each industry.
How it works
From application to funded - without leaving Portland.
No paperwork piles. No bank visits. Most Portland customers move from application to funded in under a single business day.
(503) 897-8719- 01
Call us - or request a callback
A 5-minute conversation about your numbers.
- 02
Same-day review
We match you across our Portland lender network.
- 03
Compare offers
Rates, terms, and total cost in plain English.
- 04
Fund
As fast as 24 hours for working capital; SBA timelines stated honestly.
Customer stories
4.9 / 5 from 1,200+ Portland business owners.
Mar 2026Feb 2026"My advisor walked me through three options and told me which one she'd pick - and why. That kind of straight talk is rare. Funded in 22 hours."
Nia Okafor
Founder, Stride Boutique
Retail · Pearl District, Portland
Jan 2026"Equipment financing for two new excavators with zero down. We had the keys in five business days at our Beaverton yard. We've now used Ridgeline four times."
Kenji Park
President, Park Construction Co.
Construction · Beaverton, OR
Real customers. Compensated only with our thanks.
Common questions
Straight answers for Portland owners.
Still wondering? Call (503) 897-8719 - a local advisor will pick up.
- Start with a 4-minute online application or a quick call to (503) 897-8719. We'll review your last 3 months of business bank statements, basic ownership info, and your funding goal - no credit pull required upfront. Most Portland owners get a same-day decision and funds wired within 24 hours for working capital or a line of credit. SBA and equipment loans take a bit longer but follow the same simple intake.
- The right lender depends on your industry, revenue, and what you're funding. Ridgeline is a Portland-based brokerage that compares 75+ vetted bank, SBA, and alternative lenders so you see the best rate and term for your situation in one place - without applying to each one separately. We've funded 1,200+ PDX businesses across restaurants, healthcare, trucking, construction, retail, and professional services.
- Working capital and lines of credit typically fund in 24 hours after approval. Equipment financing closes in 2–5 business days. SBA loans take 2–6 weeks - we'll give you an honest timeline upfront.
- We work with Portland owners from 550+. Stronger credit unlocks better rates, but revenue and time in business matter just as much. A 5-minute call tells you exactly where you stand - no credit pull required.
- The full Portland metro: Multnomah, Washington, and Clackamas counties in Oregon, plus Clark County, WA. That includes the Westside (Beaverton, Hillsboro), East Multnomah (Gresham, Troutdale), South Metro (Lake Oswego, Tigard, Tualatin), North Portland, and Vancouver/Camas.
Funding desk open · Mon–Sat 8a–7p PT
Need capital for your dream business?Call us - we'll match you to the right loan in 5 minutes.
Working capital · funded in 24 hrs- SBA · equipment · lines of credit
- Soft pull - no credit-score impact
- Plain-English rates & terms
75+ lender network