In September, builder Martha Rose of Martha Rose Construction found financing for a four-house project called Fish Singer Place. But getting bank approval in tough times meant she had to look at her business in a very different way.

Rose has been called the “queen of green” and has a long track record of being on the cutting edge of successful eco-friendly home developments in the Seattle area. It was her dedication to green building, she said, that eventually helped her land support from Sound Community Bank.

“When I went to close my loan with the bank, I asked if my being a green builder had anything to do with the final agreement. He said it had everything to do with it (and) that had I not been a green builder, they would not have given me the money.”

It all began about a year ago when Rose planned to move ahead with the four-home project in Shoreline and the bank, with which she had a loan commitment, called and said they were withdrawing the offer. “That was sort of the beginning of the new way,” she said.

To find new financing, Rose went through a vigorous process. To start with, she hired Adrian Willanger of Eco-Redux to help find her footing in a new economy. Together, they tweaked Rose’s business plan and developed a marketing plan that showed viewers who Rose was and what kind of projects she created.

Willanger said it was a big change.

“Prior to doing this, she had never had to do (a business plan) before. You just went in with your blueprints, cost and went over what it would cost to build a house,” he said.

The marketing plan was a big change. Before, Rose began marketing projects after they were complete. This time, Rose hired an out-of-town marketer to make the project look fresh and help it stand out from the crowd. There are also project tours during construction and lectures and seminars held on site to engage possible buyers. The Web site was also launched earlier.

Immediately, Rose and Willanger began presenting the information to banks in meetings that would sometimes last two hours. Separately or together, Willanger and Rose went to 10 different banks and returned multiple times to some that showed potential. Rose said her interactions with bankers had been limited to 15-minute phone conversations before the recession. Finding money last year turned into a full-time job.

The majority of bank presentations were spent educating bankers on how sustainable Rose’s work was. Rose said the strongest part of the market is hard-core green housing, so bankers were interested in Fish Singer Place’s green credibility.

They started seeing banks in March. It took until September to find financing.

“I don’t think it’s an exaggeration to say it’s at least four to five times harder for everything, starting with the money,” Rose said.

Fish Singer Place is four homes on Dayton Avenue North, one of which includes a separate carriage house. They will be five-star Built Green and are striving to achieve net zero energy use. Houses range from 2,000 to 2,400 square feet and cost between $638,000 and $658,000. The unit with a 525-square-foot carriage house will cost $788,000. Rose said carriage houses typically rent for $1,000 a month in similar developments.

A number of techniques in the building came from the Passive House method, a cost-effective system for designing and constructing very low-energy buildings.

Rose said people want homes that aren’t “phony green,” so it’s important to continue improving.

“They want the real deal,” she said. “A house that operates like a Prius.”