At a glance
From its website, read 2 Nov 2026Washington Community Reinvestment Association is a loan fund based in Seattle, Washington. Its website describes child-care facility loans, equipment loans, affordable housing development loans and 1 other loan type. Where it lends: Throughout Washington State, statewide.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Lending | (206) 622-6322 source |
|---|---|
| Toll-free | (800) 788-6508 source |
| Phone | (206) 622-5958 source |
| Website | www.wcra.net |
| Office (official list) | 1200 Fifth Avenue, Suite 1406, Seattle, WA 98101 |
What their website says about applying
Download the Capital Plus Application
sourceWe encourage prospective applicants to reach out early in the planning process to discuss project eligibility and program fit.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Nonprofit / community facility loans | Term: up to 10 yr | with terms up to 10 years | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Loan fund |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 16 Dec 2013 |
| RSSD ID | — (none listed) |
| Address | 1200 Fifth Avenue, Suite 1406, Seattle, WA 98101 Directions (Google Maps) |
| Website | www.wcra.net |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. Pages conflict on Capital Plus maximum loan size ($750,000 in a 2018 post, about $1,500,000 in a 2021 post); loan pages gave no amounts for multifamily or economic development loans. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Child-care facility financing | — | The WELL program objective is to increase early learning slots statewide by leveraging Department of Commerce and other financing with WCRA | source |
| Equipment loans | — | Capital Plus Loans Secured by Equipment | source |
| Affordable housing development loans | — | The WCRA provides permanent loans on affordable rental housing and economic development projects using three lending pools funded by our member banks. | source |
| Nonprofit / community facility loans | up to $1.5M | Loans may be in any amount up to a maximum of approximately $1,500,000 with terms | source |
Loan sizes
Service area
Throughout Washington State, statewide
supporting projects in communities throughout Washington State.
source
Statewide: Washington
Borrower focus
- Nonprofits
The program assists small and emerging nonprofit organizations that would otherwise not have access to favorable financing.
source
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Pages read (7)
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What interest rate and fees should I expect on your child-care facility loans and equipment loans?
Their website does not state a rate for this. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - Can I apply online, or do I need to call or visit?
We found no online application on their website. - Do you offer free coaching or help preparing my application?
CDFI certification requires development services, such as training or advice, alongside lending. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
Size of the fund (IRS Form 990)
Fiscal year ending Sep 2023| Total assets | $128.5M |
|---|---|
| Total liabilities | $122.6M |
| Net assets | $6M |
| Total revenue | $6.8M |
| Notes and loans receivable, net (Part X line 7) | $2.6M |
| Program-related investments (Part X line 13) | $110.3M |
End-of-year figures from the Form 990 this organisation filed with the IRS for the fiscal year ending September 2023 (tax year 2022; EIN 91-1522679, filed as “WASHINGTON COMMUNITY REINVESTMENT ASSOCIATION”), taken from the IRS Annual Extract of Tax-Exempt Organization Financial Data (returns processed in 2024). Figures are self-reported to the IRS, not audited by us, and lag one to two years behind today. The lender’s own annual report may show newer numbers. This organisation’s filings on ProPublica Nonprofit Explorer
Filings over time
| Fiscal year ending | Total assets | Net assets | Revenue | Notes and loans receivable |
|---|---|---|---|---|
| Sep 2021 (990) | $116.3M | $5.5M | $6.2M | $3.2M |
| Sep 2022 (990) | $122.7M | $5.7M | $6.5M | $2.8M |
| Sep 2023 (990) | $128.5M | $6M | $6.8M | $2.6M |
Total assets grew 11% from Sep 2021 to Sep 2023; notes and loans receivable fell 16%. One row per fiscal year in the IRS extracts of returns processed in 2022, 2023, 2024; “—” = the line was empty or zero on that return (a fund can book its loans on other lines).
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets, latest IRS Form 990 | $128.5M | Larger than 100% of the 10 other certified loan funds and venture funds in Washington with a matched Form 990 (median $10.8M). |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Form 990 total assets | certified loan and venture funds with a Form 990, in Washington | 10 | larger than 100% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Form 990 figures: IRS annual extracts (see the Form 990 section).
Other certified CDFIs in Seattle and Washington
- Express Credit UnionCredit union · Seattle, WAPersonal / consumer loansVerified
- HomeSightLoan fund · Seattle, WAHome mortgagesVerified
- New Roots FundLoan fund · Seattle, WAMicroloansVerified
- Rainier Valley Community Development FundLoan fund · Seattle, WACommercial real estate loans, Nonprofit / community facility loans, Small-business loansVerified
- Seattle Metropolitan Credit UnionCredit union · Seattle, WAAuto / vehicle loans, Small-dollar / emergency loans, Home mortgages, Personal / consumer loansVerified
- Verity Credit UnionCredit union · Seattle, WAAuto / vehicle loans, Commercial real estate loans, Small-dollar / emergency loans, Home repair / improvement loans…Verified
Work at Washington Community Reinvestment Association? Link to this page
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