Plan · Fund · Build
Project Funding That Makes Major Repairs Possible
Major capital projects don't have to stall over funding. Bach Associates helps Washington associations navigate the financing process - from needs assessment and documentation through lender coordination - so your board can move forward with the work your community needs.
Beyond Special Assessments
Your Community's Project Shouldn't Wait Because of Funding
When a Washington association faces a major repair or capital project, funding is often the biggest obstacle. Large special assessments are unpopular, difficult to collect, and can create financial hardship for owners. But deferring necessary work only makes the problem - and the cost - worse.
Project financing allows associations to spread costs over time, preserve reserves, and move forward with confidence. Bach Associates helps your board navigate the entire funding process - from determining the right amount to securing the loan and managing the project through completion.
How We Help
What Our Funding Assistance Includes
Spread Costs Over Time
Project financing allows your association to fund major repairs without burdening owners with a single, large special assessment - making necessary work financially feasible.
Loan Application Support
We help your board assemble the financial documentation, reserve data, and governing document information lenders require - navigating the application process with confidence.
Governing Document Review
Many loan programs require specific governing document provisions. We help associations identify and address any amendments needed before the application process.
Cash Flow Planning
Understanding how loan payments fit into your association's overall budget is critical. We help model repayment scenarios so your board can plan responsibly.
Lender Coordination
We work with HOA-friendly banks and lending institutions that understand community associations - connecting your board with the right financial partners.
Owner Communication Support
Funding decisions require owner buy-in. We help boards develop clear messaging that explains why the project is necessary and how the financing works.
Projects We Fund
Types of Projects We Help Finance
Why Bach Associates
Funding Guidance From a Team That Manages the Entire Project
What makes our funding assistance different is context. We don't just help you get a loan - we help you understand the full scope of your project, prepare the documentation lenders need, and manage the construction once funding is secured. That end-to-end perspective means better planning, fewer surprises, and stronger outcomes.
- 27+ years helping Washington associations secure project financing
- Experience with multi-million-dollar capital projects and complex funding structures
- Relationships with HOA-friendly banks and lending institutions across Washington
- Full-service support from funding assessment through construction completion
- Independent advisory - our only interest is what's best for the association
- Deep knowledge of Washington association law and governing document requirements
- Trusted by boards, managers, attorneys, and financial institutions
"I am convinced that our $5 million repair project at Eastbridge Condominiums would have never happened without Bach & Associates. Without David Bach's experience, knowledge and professionalism I know we would not be where we are today."
Board President
Eastbridge Condominium
What to Expect
How We Help You Secure Funding
Needs Assessment
We review your project scope, reserve position, and financial outlook to determine how much funding your association needs and the best path to secure it.
Document Preparation
We help assemble the financial records, reserve study, delinquency data, cash flow projections, and governing documents lenders require.
Lender Coordination
We connect your board with HOA-friendly lending institutions and help navigate the application process, questions, and requirements.
Funding & Execution
Once financing is secured, we help coordinate the transition to construction - ensuring funds are available when needed and the project stays on track.
Common Questions
Project Funding FAQ
Proof of Outcomes
Case studies from Project Funding Assistance engagements
Each engagement is measured by what matters to boards: budget discipline, on-time delivery, and avoided special assessments.
$4.5 Million
Eastbridge Condominiums
Bellevue, WAInsurance Renovation Project
- Funding
- Insurance + plan
- Budget
- $4.5M on-budget
- Schedule
- On time
Outcome - Project was completed on time and within budget.
$2 Million
Greenhouse Condominiums
Seattle, WAInsurance Claim Project
- Funding
- Insurance-backed
- Budget
- Within owners' budget
- Schedule
- Ahead of schedule
Outcome - Successfully completed ahead of schedule and within the owners' budget.
$1.9 Million
Aspens Condominiums
Bellevue, WAConstruction Defect Remediation Project
- Budget
- Original budget
- Assessment
- Avoided
- Schedule
- Months ahead
Outcome - Completed several months ahead of schedule and with minimal financial impact to homeowners. Able to keep construction within the original budget, found opportunities to reduce cost in areas the association didn't see possible, and negotiated in small extras.
Where We Work
Project Funding Assistance for HOAs across Washington
We help boards structure assessments, loans, and phased draws for capital projects in every region of Washington - coordinating with lenders that understand HOA and condominium balance sheets.
Seattle Metro
- Seattle
- Bellevue
- Redmond
- Kirkland
- Bothell
- Issaquah
- Sammamish
Puget Sound
- Everett
- Lynnwood
- Edmonds
- Mukilteo
- Mill Creek
South Sound
- Tacoma
- Gig Harbor
- Olympia
- Lacey
- Puyallup
Northwest WA
- Bellingham
- Anacortes
- Mount Vernon
Eastern & SW WA
- Spokane
- Spokane Valley
- Tri-Cities
- Wenatchee
- Vancouver
Don't see your city listed? We serve boards across Washington - get in touch and we'll confirm coverage for your community.
Client Comments
What Boards Say About Working With Bach Associates
It was through your expert and patient guidance that we selected an outstanding architect, engineer and construction company and began this very large and complex endeavor. Not only did you keep the project on budget, you helped to clearly explain the direction and details to the Association to help keep us focused on a positive outcome. You patiently answered very difficult questions and addressed everyone's concerns over the course of the project. Notwithstanding your technical expertise, we could not have accomplished this giant undertaking without your personal leadership.
Board President
Greenhouse Condominium Association
On behalf of the Board of Directors and Homeowner's community, I would like to thank you for services provided in preparation of our Reserve Study. The project was educational and was handled with expert professionalism. At every stage of the process we appreciated your ability to provide information and explanation pertaining to process, production, and reasoning for decision making. We particularly appreciate the sense of collaboration you took in undertaking the Reserve Study. We feel strongly that the product obtained is more valuable, better understood, and a more accurate assessment than might have otherwise been received as a result of the expertise you brought and teamwork you demonstrated with our Board and building manager.
Board Secretary
Concord Condominium Association
In early 2007 we knew our 32 buildings were in terrible shape. We were a newly elected board and we knew we were going to have to start dealing with our problems right away. The first thing we did was interview consultants and construction managers. Bach & Associates was our unanimous choice because they were the only company that told us how they could help with everything from beginning to end. They lived up to their promises in every way: from helping us select excellent architects & engineers to recognizing that we had a potential insurance claim and then helping the law firm they recommended pursue what was ultimately a one million plus settlement.
Board President
Eastbridge Condominium
David Bach & Associates were instrumental in assisting us with a complex litigation project. David's services were invaluable to us throughout the project as Construction Manager by ensuring that our property was restored to its original condition with additional upgrades, keeping us within our cost schedule, and thereby increasing the value of our homes.
Board President
Highlands in Kirkland
I am convinced that our $5 million repair project at Eastbridge Condominiums would have never happened without Bach & Associates, specifically David Bach. I sometimes think it was almost a miracle that we managed to pass a special assessment, obtain a $1 million dollar insurance settlement, negotiate a bank line of credit, and finish our work on schedule. This was during the worst recession since the Great Depression. Without David Bach's experience, knowledge and professionalism I know we would not be where we are today.
Board President
Eastbridge Condominium
Ready to Fund Your Project?
Get Expert Funding Guidance for Your Community's Next Project
Need help financing a major capital project? Speak with Bach Associates about your community's options.