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Loans

Access our portal of national, state and local small business loan opportunities. New funding resources are added as information becomes available.
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SBA disaster loans

U.S. Small Business Administration
State(s): National

SBA disaster loans are available to businesses of all sizes and private non-profit organizations in declared disaster areas. SBA offers low-interest loans to help in disaster recovery that can be used for losses not covered by insurance or FEMA and business operating expenses that could have been met if the disaster had not occurred.

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B:Side Fund

B:Side Fund
State(s): CO

B:Side is offering Climber loans to Colorado small business owners. The loans range from $20k-$100k with interest rates between 6.01%-6.32%.

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CDC Small Business Finance - Small Business Loans

CDC Small Business Finance
State(s): AZ, CA, DC, FL, GA, MI, NV

CDC Small Business Finance offers small business loans from $10,000-$350,000 to small businesses nationwide. They offer multiple loan programs and will help you find one that suits your needs.

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California Small Business Loan Match

IBank
State(s): CA

California Small Business Loan Match is a new, no-cost lender-match tool provided by IBank, the state agency helping to promote a healthy economic climate and improve quality of life in California communities. Loan Match eases the process of finding trusted loans for California entrepreneurs, gathering dozens of lenders in one place for a one-stop experience.

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Connect2Capital Marketplace

Connect2Capital
State(s): National

Venturize connects small business owners to potential financing options and business assistance services offered by Community Development Financial Institutions. CDFIs offer a wide range of financing options for businesses including term loans, lines of credit, credit cards, real estate financing and more.

Union County Economic Development Corporation (UCEDC)

State(s): NJ, NY, PA

As a Community Development Financial Institution (CDFI) and a U.S. Small Business Administration (SBA) lender, we help startups and small businesses in New Jersey, New York City, Westchester County, Philadelphia, and Bucks County access capital. We offer loans from $500 to $5.5 million to support your growth at every stage.

Equipment Loan

Tongass Federal Credit Union
State(s): AK

Tongass Federal Credit Union's General Commercial Property Loan offers financing for retail establishments, warehouses and business condominiums, including purchases and refinances. The loan features fixed and variable rates with varying terms, amortized up to 20 years.

General Commercial Property Loan

Tongass Federal Credit Union
State(s): AK

Tongass Federal Credit Union's General Commercial Property Loan offers financing for retail establishments, warehouses and business condominiums, including both purchases and refinances. The loan features fixed and variable rates with varying terms, amortized up to 20 years.

Spruce Root Loan Program

Spruce Root, Inc.
State(s): AK

Spruce Root’s loan program supports small businesses in Southeast Alaska by offering funding for startup capital, leaseholder improvements, business expansion and working capital. Their business coaches work closely with entrepreneurs to refine business plans, budgets and financial structures, giving businesses the best chance for success.

WWBIC Small Business Loan

Wisconsin Women's Business Initiative Corporation
State(s): WI

The WWBIC Small Business Loan offers loans ranging from $1,000 to $350,000 for start-up and established businesses. The program is designed to assist entrepreneurs in Wisconsin by providing essential capital to support their growth. Applicants are required to submit a completed business plan with three years of financial projections and ensure they meet specific eligibility criteria.

WBFG Small Business Loan Products

Wisconsin Business Financing Group
State(s): WI

Wisconsin Business Financing Group offers a variety of loans and financing options to help you get the capital you need to grow your business. Financing options include SBA business loans, start up business financing, real estate financing and more.

CGC Working Capital Loans

Catalyst Growth Capital
State(s): WI

Every business needs sufficient working capital to pay bills on time, secure more customers and contracts and to better manage business growth. Get the capital you need now to keep your business moving toward the future!

WCA Direct Loan Program

Wyoming Capital Access
State(s): WY

Wyoming Capital Access’ Direct Loan Program provides loans up to $250,000 to entrepreneurs looking to start or expand their business. All Wyoming-based businesses that demonstrate a need for financing and the ability to repay are eligible.

Working Capital Loan

Partner Community Capital
State(s): WV

Partner Community Capital's Working Capital Loans help small businesses cover startup and growth related expenses such as inventory, marketing, technology or smaller pieces of equipment.

WVCAP Collateral Support Fund

Partner Community Capital
State(s): WV

The WVCAP Collateral Support Fund can help mitigate collateral gaps and get a deal across the finish line. The WVCAP Collateral Support Fund can fund up to 20% of loan amount with a maximum collateral support of $500,000. Interest rates are competitive. Term of loan ranges between 1-5 years, subject to acceptable leverage ratio. Loan fees include a 2% origination fee.

WVCAP Subordinated Debt Fund

Partner Community Capital
State(s): WV

The WVCAP Subordinated Debt Fund supports businesses seeking funding to purchase equipment, expand facilities and/or obtain permanent working capital.This program will fund up to 50% of the borrower’s loan, up to a maximum loan amount of $4,000,000. Interest rates are based on market conditions and other risk factors.

Owner-Occupied Commercial Real Estate Loan

Craft3
State(s): OR, WA

Designed to help small business owners build long-term stability and resilience, Owner-Occupied Commercial Real Estate Loans offers up to $4 million in financing for purchasing or refinancing commercial property.

Commercial Real Estate Loan

Heritage Bank
State(s): WA

Heritage Bank’s Commercial Real Estate Loans offer small businesses and nonprofits a 1% fixed APR, interest-only payments for 10 years and potential forgiveness for 9% of the project cost. With project size limits up to $20 million and a companion loan, this program lowers upfront costs and improves access to financing. 


 

Small Business Flex Fund

Washington State Department of Commerce
State(s): WA

Supported by the Washington State Department of Commerce, the Washington Small Business Flex Fund 2 offers flexible, affordable loans to help small businesses and nonprofits grow. Borrowers can access up to $250,000 with fixed interest rates and repayment terms between 36 and 72 months.

Impact Loan

Opportunities Credit Union
State(s): VT

Opportunities Credit Union’s Impact Loan supports microbusiness startups and expansions in Vermont with loans ranging from $2,000 to $50,000. With terms of 12 to 60 months and no minimum credit score required, this loan is ideal for entrepreneurs without sufficient collateral for SBA loans. Funds can be used for equipment, vehicles, inventory, licenses, training and more.

OCU Small Business Loan

Opportunities Credit Union
State(s): VT

Opportunities Credit Union offers Small Business Loans to help entrepreneurs start or expand their businesses. Loans can cover asset and inventory purchases, leasehold improvements and working capital, providing flexible funding options to support business growth.

Commercial Real Estate Loan

Opportunities Credit Union
State(s): VT

Opportunities Credit Union offers Commercial Real Estate Loans to help businesses purchase their own location or acquire income-producing properties. These financing options are designed to support business growth and expansion with flexible terms and competitive rates.

SBA 504 Commercial Real Estate & Equipment Loans

B:Side Fund
State(s): AZ, CO, NM, UT

B:Side Fund’s SBA 504 Loan is ideal for small businesses looking to purchase, build or renovate commercial real estate or acquire long-term equipment. With fixed, below-market interest rates and terms of 10, 20 or 25 years, this program offers up to 90% financing of total project costs. 

SBA Community Advantage Loan

B:Side Fund
State(s): AZ, CO, NM, UT

B:Side Fund’s SBA Community Advantage Loan is designed to support small businesses that may not qualify for traditional financing. This program offers loans up to $350,000 with flexible terms and competitive interest rates and can be used for working capital, equipment, inventory or real estate. 

SBA Microloan

Utah Microloan Fund
State(s): UT

Utah Microloan Fund offers flexible microloans for small businesses that may not qualify for traditional financing. With fixed rates between 10–14% and terms up to 6 years, loans can be used for working capital, equipment, inventory, property improvements and more—without prepayment penalties.


 

FBCF Agriculture Business Loan

Four Bands Community Fund
State(s): SD

Four Bands Community Fund’s Agriculture Business Loans provide affordable financing for new or existing agricultural producers. With interest rates between 5.5% and 7% and repayment terms of up to 20 years based on the life of the collateral, this loan is ideal for launching a new operation or expanding an existing one.

FBCF Microloan

Four Bands Community Fund
State(s): SD

Four Bands Community Fund's microloans provide start-up capital for new ventures or existing businesses. With interest rates between 8% and 10%, repayment terms can extend up to 10 years, depending on the collateral’s life. This loan is a great option for small businesses seeking financing to grow or get started.

REED Fund Business Loan

Rural Electric Economic Development Fund, Inc.
State(s): SD

REED Fund’s business loans support business growth and development and contribute to employment and business ownership opportunities. Loans benefit retail, service, tourism, manufacturing and technology sectors.

GSD Business Loan

Grow South Dakota
State(s): SD

Growth South Dakota offers flexible business loans to help new and existing businesses across the state access financing for real estate, equipment, inventory and working capital. Loan amounts typically range from $500 to $400,000, with terms based on the type of collateral offered.

Express Loan

CommunityWorks
State(s): SC

CommunityWorks' Express Loan is for business owners looking to start or build their business through a more expedited loan application process. Business loans can be used for a variety of general business purposes including equipment, inventory, lease improvements or working capital.

CLIMB Fund Small Business Loan

CLIMB Fund
State(s): SC

CLIMB Fund’s Small Business Loan program provides loans to small businesses that need capital for expansion, equipment or other business needs. The loan program is designed to support growing businesses that may have trouble securing financing through traditional means and is tailored for businesses looking to expand their operations. 

CLIMB Fund Microloan

CLIMB Fund
State(s): SC

CLIMB Fund’s Microloan program is designed to help small businesses in South Carolina that need a smaller loan to get started or grow. These loans are ideal for businesses that need working capital, inventory or equipment and may have difficulty qualifying for traditional bank loans. The program offers flexible terms and affordable rates to help businesses succeed.

RICC Loan Participation Program

Rhode Island Capital Corporation
State(s): RI

The Rhode Island Capital Corporation Loan Participation Program helps Rhode Island businesses grow and create jobs by offering financing at competitive terms. Loans range from $100,000 to $3 million, with a maximum loan term of 25 years and flexible purposes, including real estate and equipment purchases.

NCI Small Business Loan

Nectar Community Investments
State(s): MA, RI

Nectar Community Investments' small business loans offer flexible, innovative financing for small businesses. Loans range from $5,000 to $500,000 with terms of up to 5 years, competitive interest rates and no application fee.

CLW Small Business Loan

Community LendingWorks
State(s): OR

Community LendingWorks' small business loans are designed for micro-entrepreneurs and small business owners who need to purchase items such as equipment or inventory. Loan amounts range from $1,000 to $100,000.

CLW Marketplace Loan

Community LendingWorks
State(s): OR

Community LendingWorks' Marketplace Loans offer short-term loans designed to help growers, food vendors and artisans get through the market and/or event season. Funds can be used to pay for inventory, booth fees, equipment, signage etc.

Oregon Royalty Loan Program

Business Oregon
State(s): OR

The Oregon Royalty Loan Program is an alternate financing solution for projects that are not yet bankable, but are more like angel or venture capital deals. This program accommodates growing companies that do not yet qualify for traditional financing.

The Toledo Business Growth Fund

Economic & Community Development Institute
State(s): OH

The Toledo Business Growth Fund offers small business loans at competitive interest rates to support established companies looking to grow or scale. The program targets businesses located in downtown Toledo and designated revitalization areas, with a focus on driving business growth and neighborhood investment.

Small Business Catalyst Fund

Economic & Community Development Institute
State(s): OH

Is your small business looking for a working capital loan to cover expenses like equipment upgrades, payroll or other operational costs? The Small Business Catalyst Fund is offering working capital financing from $10,000 - $750,000 for eligible small businesses operating in select areas across Ohio. 

CDFI Loan Participation Program

Economic & Community Development Institute
State(s): OH

The Community Development Financial Institution Loan Participation Program provides up to $1 million in funding for Ohio-based small businesses at prime minus 0.25% interest, with terms of up to 10 years. Loans can be used for business expansion, working capital, hiring, real estate, marketing, R&D and more.

North Dakota Opportunity Fund

Lewis & Clark Development Group
State(s): ND

The North Dakota Opportunity Fund is an innovative program that leverages private lending financing to help small businesses and manufacturers attain loans and critical investments needed to expand and create jobs. The Loan Participation Program offers rates ranging from 4% to market rate. Funds may be used for construction, equipment, working capital and real estate.

SBA 504 Loans

Dakota Business Lending
State(s): ND

The goal of the SBA 504 program is to create and retain jobs through long-term financing of real estate and equipment at a fixed, below-market interest rate. Businesses often have difficulty qualifying for traditional financing due to required down payments of 20 percent or more.

Community Impact Loan program

Dakota Business Lending
State(s): MN, MT, ND

Dakota Business Lending’s Community Impact Loan program offers flexible financing from $1,000 to $250,000 for businesses at any stage. Designed to fill gaps where traditional financing falls short, the program helps entrepreneurs become bankable and succeed long term.

CBAC Small Business Loan Program

Cooperative Business Assistance Corporation
State(s): NJ

If your small business needs a loan between $50,000 and $250,000 to start a business, finance real estate or cover other business expenses, a CBAC small business loan might be the right option for you. The program is available to eligible existing for-profit small businesses.

CBAC Microloan Program

Cooperative Business Assistance Corporation
State(s): NJ

If your small business needs a loan between $1,000 and $50,000 for small business expenses, a CBAC microloan might be the right option for you. The microloan program is available to eligible for-profit small businesses in all stages of development, including the start-up phase. Loan term lengths vary according to loan size and use of funds. The maximum loan term is seven years (84 months).

New Jersey Clean Energy Loans

New Jersey Economic Development Authority
State(s): NJ

New Jersey Clean Energy Loans is an $80 million co-lending program from the New Jersey Economic Development Authority that supports small businesses financing clean energy projects. Funded through the federal SSBCI program, NJEDA offers loans ranging from $250,000 to $10 million for projects totaling $500,000 to $20 million.

MoFi Business Loans

MoFi
State(s): ID, MT, OR, UT, WA, WY

MoFi Business Loans provide accessible financing for business owners and entrepreneurs who may not qualify through traditional lenders. Loans start at $1,000 with terms tailored to each borrower. There are no hidden fees or surprises and free business consulting is available to all loan clients.

MBAC Revolving Loan Program

Montana Business Assistance Connection, Inc.
State(s): MT


Montana Business Assistance Connection, Inc. operates a revolving loan program to support business growth and community development in Broadwater, Lewis and Clark and Meagher Counties. Loans can be used for real estate, equipment, working capital or debt restructuring. Targeted industries include health care, light manufacturing, tourism, retail and more. 

SBA 504 Loan program

Big Sky Economic Development
State(s): MT

Big Sky Finance is a statewide certified development company licensed by the SBA to administer the SBA 504 Loan program in Montana. The SBA 504 Loan program is designed to provide long-term, below-market, fixed asset financing to small, for-profit businesses.

 

Big Sky EDC Revolving Loan Fund

Big Sky Economic Development
State(s): MT

This gap financing program supports small businesses in Yellowstone County with a focus on job creation and capital investment. Loans up to $100,000 are available to businesses with at least 24 months of operating history. Funding often complements bank financing and may be used for working capital, equipment or real estate.

SBA 504 Loan Program

Community Ventures
State(s): KY

The SBA 504 Loan Program promotes the growth of small and medium sized businesses by expanding access to favorable long-term, fixed-asset financing. Loans feature a low, fixed interest rate and help conserve working capital for business growth

Small Business Expansion Loans

Community Ventures
State(s): KY

Community Ventures offers small business expansion loans from $5,000 to $250,000 to cover a variety of projects, from small renovations to an existing space up to construction for an addition.

Business Term Loans

First National Bank of Kansas
State(s): KS

First National Bank of Kansas' Business Term Loans offers competitive rates for a wide range of business expenses such as working capital, equipment, machinery, inventory, facility improvements and more. Loans feature flexible terms customized to fit your business’s unique needs.

Agriculture Loans

First National Bank of Kansas
State(s): KS

First National Bank of Kansas' Agriculture Loans offer competitive rates for a wide range of agribusiness-related needs such as equipment, machinery, livestock and more.

AltCap Microloans

AltCap
State(s): CO, KS, MO, NE, TX

AltCap Microloans offer up to $50,000 for entrepreneurs and small businesses to launch, operate or grow their businesses. Loans feature fixed interest rates based on the prime interest rate set by the Federal Reserve plus 4% to 6% and offer financing on 3-year terms.

BDF Small Business Loans

Brightpoint Development Fund
State(s): IN

Brightpoint Development Fund’s Small Business Loans are designed for newer or existing businesses experiencing growth. These businesses are looking to take advantage of opportunities to reach a new milestone or scale the business. Small Business Loans range from $50,001 to $200,000. 

BDF Small Business Microloans

Brightpoint Development Fund
State(s): IN

Brightpoint Development Fund’s Small Business Microloans are designed for startups or newer businesses seeking initial capital, especially those early in their business lifecycle and looking to transition from a hobby or part-time venture to a full-time operation. Microloans range from $5,000 to $50,000.

Bankable Small Business Loan Products

Bankable
State(s): IN

Bankable's Small Business Loan Products range from $500 - $350,000 and feature no prepayment penalties, 1 flat monthly payment and access to Flagship Business Coaching.

USDA Rural Development Micro Loan Program

Frontier Community Resources
State(s): ID

The USDA Rural Development Micro Loan Program offers loans ranging from $2,500 to $20,000 for equipment, inventory and/or working capital. Loans feature no prepayment penalty and are approved and managed in house.

USDA Rural Development Intermediary Relending Program

Frontier Community Resources
State(s): ID

The USDA Rural Development Intermediary Relending Program offers loans of up to $150,000 for real estate, equipment, inventory and/or working capital. Loans feature low-interest financing with terms of up to 7 years for equipment and working capital and up to 20 years for real estate.

PAC Revolving Loan Fund

Panhandle Area Council, Inc.
State(s): ID

The objective of the Revolving Loan Fund program is to provide small businesses with financing in rural communities that cannot be found through other traditional lending sources. This financing will help to provide long-term economic growth through job creation and retention. Eligible loans range from $50,000 up to $750,000.

504 Loan

Iowa Business Growth
State(s): IA

504 Loans provide the financing small businesses need to grow while helping them preserve working capital. These loans feature lower down payment requirements, fixed interest rates for the entire loan term, and long repayment periods of 10 or 20 years.

IBG Community Lending Fund

Iowa Business Growth
State(s): IA

Not all businesses meet the qualification requirements for a 504 business loan. For those instances, Iowa Business Growth’s Community Lending Fund can provide the necessary financing. Loans have a $50,000 minimum requirement and are available up to $1 million, depending on the borrower’s qualifications. Rates and fees are in line with current 504 loan rates and fees.

The Iowa Center Loan Fund

The Iowa Center for Economic Success
State(s): IA

The Iowa Center Loan Fund supports community and economic development by providing access to capital for Iowans starting or expanding a business who do not have access to traditional forms of financial assistance.  In addition to financing, the Loan Fund clients receive education and technical assistance at every step of the loan process, and credit counseling to improve their credit histories.

Grow Wilmington Fund

The City of Wilmington’s Office of Economic Development
State(s): DE

The Grow Wilmington Fund helps small- and medium-sized companies grow their businesses in Wilmington, Delaware. With longer loan terms and below-market interest rates, the fund can help businesses stretch their cash flow and save thousands of dollars through lower monthly payments.

TAC Micro Loan Fund

True Access Capital
State(s): DE, PA

The Micro Loan Fund provides loans for small business start-up and expansion. Loans range from $5,000 to $50,000. Micro loans can be used for most business purposes, including working capital, inventory and equipment. Micro Loan Fund borrowers are frequently start-up or early stage businesses.

TAC Business Growth Fund

True Access Capital
State(s): DE, PA

The Business Growth Fund provides loans for existing businesses whose capital needs are larger than $250,000. Typically, Business Growth Fund borrowers have been in business for at least two years. Loans range from $250,000 to $250,000. Most business purposes are eligible, including working capital, inventory, equipment, leasehold/capital improvements and real estate acquisition.

Community Advantage Loan Program

Community Investment Corporation
State(s): CT, MA, RI

Some business borrowers are not quite ready for traditional financing for a variety of reasons but have the character and experience needed to be successful.  The Community Advantage program focuses on providing opportunity where opportunity may be limited. With a maximum loan amount of $350,000, a Community Advantage loan is ideal for start-ups as well as existing businesses.

HEDCO Small Business Loan Products

HEDCO Inc
State(s): CT

HEDCO offers term loans to meet capital needs that are often unmet or underserved by traditional lenders. Loans are available up to $400,000, with interest rates starting as low as 4%. 

The Connecticut Small Business Boost Fund

The Connecticut Small Business Boost Fund
State(s): CT

The Connecticut Small Business Boost Fund gives small business owners access to flexible funding for capital expenditures and working capital and connects them with support services. Small businesses and nonprofits can borrow between $5,000 and $500,000, depending on eligibility and need.

TEDC Small Business Loan Fund

TEDC Creative Capital
State(s): OK

The Small Business Loan Fund, in partnership with the City of Tulsa and the U.S. HUD Community Development Block Grant program, provides financing to start-ups and growing businesses. Loans range from $15,000 to $250,000 and can be used for most business expenses, with fixed rates that vary based on location and economic conditions. 

The Retail Revitalization Revolving Loan Fund

TEDC Creative Capital
State(s): OK

The Retail Revitalization Revolving Loan Fund is a source of financing focused along and in proximity to the Bus Rapid Transit line of Tulsa Transit and other specified areas identified by the city of Tulsa's 2018 Retail Market Study and Strategy. Existing companies and startup businesses planning to occupy, build, or purchase commercial space are eligible to apply.

The Propel Loan

Pathway Lending
State(s): AL, KY, MS, TN

The right loan at the right time can give your small business a serious boost. Propel Loans offers up to $50,000, with monthly payments and no automatic daily draws. Get a decision in as little as 48 hours, with expedited funding available.
 

Pathway Lending Microloans

Pathway Lending
State(s): AL, KY, MS, TN

Pathway Lending's Microloan program provides loans up to $50,000. Loans may be used to purchase equipment, inventory, or make other investments that will help your business grow. Microloans feature longer repayment periods and access to expert advisors.

SBCP Business Loan Products

Southern Bancorp Community Partners
State(s): AR, MS

Southern Bancorp Community Partners' Business Loans provide capital to entrepreneurs in economically distressed communities. Loans may be used for commercial real estate, construction, equipment, vehicle financing and more.

FORGE Small Business Loans

FORGE Community Loan Fund
State(s): AR, LA, MO, OK

Through the Small Business Administration Microloan Program, FORGE provides small business loans, business counseling, and technical assistance to start-ups, newly established and growing small business concerns. The maximum loan amount under this program is $50,000; the maximum term for an SBA microloan is six (6) years. 

HOPE Small Business Loan Program

HOPE Credit Union
State(s): AL, AR, LA, MS, TN

HOPE Small Business Loan Program provides financing solutions for a range of business needs, supporting entrepreneurs in underserved areas. Loans feature low rates and flexible repayment terms to help your business get the capital it needs to buy furniture, equipment, vehicles, inventory and more.

BP Agricultural Loan Products

BankPlus
State(s): AL, FL, LA, MS

BankPlus' Agricultural Loan Products extends credit to agribusinesses for crop production, equipment, real estate financing and processing facilities. 

CU Small Business Loan Products

Communities Unlimited
State(s): AL, AR, LA, MS, OK, TN, TX

Communities Unlimited offers low-interest small business loans from $1,000-$100,000. Loans may be used for working capital, equipment purchases and business purchases.

Real Estate Acquisition Program

TruFund Financial Services
State(s): AL, LA, NY, TX

TruFund’s Real Estate Acquisition Program provides business advisory services and access to capital to disadvantaged small business owners who seek the opportunity to overcome the primary barriers to owning real estate, which is the traditional high percentage down payment.

Wacif Term Loan

Washington Area Community Investment Fund
State(s): DC

Wacif's term loans are designed to support small businesses with equipment purchases, inventory needs and working capital. Loans feature terms of up to 72 months, no minimum credit score requirement and no prepayment penalties. 

Wacif Green Growth Fund

Washington Area Community Investment Fund
State(s): DC

Wacif's Green Growth Fund offers tailored financial solutions to small businesses that contribute to reducing energy consumption, resource use and greenhouse gas emissions. Specifically, the Green Growth Fund offers a lower barrier to entry lending product up to $250,000 to ensure accessibility for underinvested small businesses.

LISCV Working Capital Loans

Local Initiatives Support Corporation Virginia
State(s): VA

LISC Virginia's Working Capital Loans aim to fill credit gaps for small business owners by providing flexible working capital lines of credit to meet organizational cash flow needs or pay project-based expenses.

LISCV Commercial Real Estate Loans

Local Initiatives Support Corporation Virginia
State(s): VA

LISC Virginia's Commercial Real Estate Loans provide small businesses with loans for acquisition and construction costs related to acquiring a commercial real estate property. 

VA Small Business Resiliency Loan Fund

Community Business Partnership
State(s): VA

The VA Business Resiliency Loan Program is designed to help underserved and underbanked entrepreneurs located in key Virginia markets seeking capital to grow and expand their operations.

 

504 Loans

Arlington Community Federal Credit Union
State(s): VA

The CDC/504 Loan Program provides long-term, fixed rate financing of up to $5 million for major fixed assets that promote business growth and job creation.

EC Community Loan Fund

Entre Capital
State(s): TX

Entre Capital's Community loan fund provides capital to second-chance business owners looking to launch and grow their businesses. Loans feature flexible terms, collateral-based pricing and no penalties or hidden fees. 

AltCap Small Business Loans

AltCap
State(s): CO, KS, MO, NE, TX

Designed for entrepreneurs who may be overlooked by traditional lenders, AltCap Small Business Loans provide $5,000 to $250,000 in debt capital to launch, operate or grow your small business. 

Healthy Food Access Loans

Bridgeway Capital
State(s): PA

The Healthy Food Access program provides funds and guidance for businesses and nonprofits that are motivated to increase access to affordable, healthy foods in rural and urban areas. Funds can be used to launch new projects, build food retail stores and commercial kitchen spaces and more. 

BC Microloans

Bridgeway Capital
State(s): PA

Bridgeway Capital's Microloans provide capital for small businesses looking to launch their next big project or business. 

Blair County Rural Microentrepreneur Assistance Program

Altoona Blair County Development Corporatioin
State(s): PA

The Blair County Rural Microentrepreneur Assistance Program (RMAP) Loan provides a pool of below market funds available to existing and new micro-businesses (less than 10 employees) in Blair County communities.

Mohawk Valley EDGE Business Loans

Mohawk Valley EDGE
State(s): NY

Mohawk Valley EDGE is responsible for overseeing and administering several revolving loan funds that are used for economic development. These funds are available to support business and community investment projects that will create jobs, support the retention of existing jobs, enhance the tax base of the area and provide added value to the region’s economy. 

La Fuerza Micro-Loan Program: Minority And Women Business Enterprises

La Fuerza Community Development Corporation
State(s): NY

The La Fuerza Micro-Loan Program: Minority And Women Business Enterprises provides accessible capital to certified minority- and women-owned businesses with contract awards seeking financing for upfront costs. 

Empire State Development Small Business Revolving Loan Fund

La Fuerza Community Development Corporation
State(s): NY

SBRLF is designed to create economic activity by providing greater access to capital for main street everyday small businesses. The program is targeted to small businesses that have had difficulty accessing regular credit markets. Loans can be up to $25,000. 

Meck Lending

Carolina Small Business Development Fund
State(s): NC

In partnership with Mecklenburg County, CSBDF offers the Meck Lending program to empower entrepreneurs and grow local businesses. The program provides loans of up to $75,000 to support small businesses in Mecklenburg County with expansion, working capital or other business needs.

The Rural Microentrepreneur Assistance Program

Carolina Small Business Development Fund
State(s): NC

The Rural Microentrepreneur Assistance Program offers microloans up to $50,000 with a 7% fixed interest rate to eligible small business owners in USDA-designated rural areas across North Carolina.

Carolina Small Business Development Loan

Carolina Small Business Development Fund
State(s): NC

CSBDF’s Carolina Small Business Development Loan is available for both emerging and established businesses across all 100 North Carolina counties. It offers term loans with a maximum loan amount of $350,000 and flexible repayment terms.

Capital for Growth

Partner Community Capital
State(s): NC

Partner Community Capital's Capital for Growth loan program lends to small to mid-sized businesses, agricultural enterprises and nonprofits that have positive community, economic and environmental impacts but can't access traditional financing due to perceived risks.

DS Commercial Real Estate Loan

DreamSpring
State(s): NM, TX

DreamSpring's Commercial Real Estate Loan offers funding between $50,000 and $2,000,000 for businesses looking to purchase or renovate commercial property. The loan comes with a 5-year term and up to 20-year amortization and is designed for businesses that plan to occupy at least 51% of the property

Ready, Set, Grow! Loan

DreamSpring
State(s): AZ, CA, CO, NC, NM, NV, SC, TX, WA, WY

Designed for entrepreneurs transitioning from a side hustle to a full-time business, this loan offers up to $15,000 in flexible funding. With a simplified application process, it's ideal for early-stage businesses looking to cover startup costs, inventory, marketing or working capital. 

USDA Micro-Enterprise Loan

Justine PETERSEN
State(s): MO

The USDA Micro-Enterprise Loan is designed to support small businesses based in rural Missouri. Offered through Justine PETERSEN, the loan provides financing for micro-enterprises in underserved areas. Businesses are required to verify their address in rural Missouri to qualify. 

Community Advantage Loan (SBA guaranteed Loan)

Justine PETERSEN
State(s): MO

The Community Advantage Loan is an SBA 7(a) Guaranteed Loan designed to help small businesses in underserved areas access capital. The loan offers flexible terms and is specifically designed to help businesses with financing needs such as working capital, equipment, and other business expenses.

CDFI Micro-Loan

Justine PETERSEN
State(s): MO

The CDFI Micro-Loan is available to small businesses seeking flexible capital. Loans of up to $50,000 (typically over $10,000) are available, with terms of up to 72 months.

IgniteMO Small Business Loan Participation Program

Justine PETERSEN
State(s): MO

Offers loans from $25,000 to $500,000 in partnership with the Missouri Technology Corporation. Businesses must be registered and in good standing with the State of Missouri. The program prioritizes socially and economically disadvantaged businesses and is funded through the Missouri State Small Business Credit Initiative.

Gap Loan Program

Initiative Foundation
State(s): MN

Offers gap loans that fill the financing void between what a bank can provide and what the borrower needs, supporting business investment projects.

SBA Community Advantage Loan

African Development Center
State(s): MN

Loans up to $350,000 for startups and existing businesses. As an SBA-approved lender, ADC offers these 7(a) guaranteed loans to businesses in underserved communities to support working capital, equipment, and expansion needs.

ADC Small Business Loans

African Development Center
State(s): MN

Loans up to $50,000 available for startups and existing businesses. Designed to support growth and working capital needs, especially for underserved entrepreneurs.

ADC Microloan

African Development Center
State(s): MN

Loans up to $10,000, approved internally by the ADC’s loan committee for eligible businesses. Ideal for early-stage or very small businesses with lower capital needs.

SBA 504 Commercial Real Estate Loan

FSC First
State(s): MD

The SBA 504 Commercial Real Estate Loan offers long-term, fixed-rate financing up to $5.5 million for small businesses to purchase or renovate commercial real estate, acquire major equipment or construct facilities. Designed to support business expansion and job creation, often paired with SSBCI resources to improve access for underserved borrowers.

Microenterprise Loan Fund

FSC First
State(s): MD

Provides loans up to $50,000 to support small businesses in Maryland’s Sustainable Communities and Priority Funding Areas. Funds can be used for equipment, leasehold improvements, working capital and hiring. Designed to support underserved and emerging entrepreneurs, including home-based businesses (with approval).

REDF Impact Investing Fund

REDF Impact Investing
State(s): IL

RIIF offers term loans, bridge loans, and lines of credit ranging from $100,000 to $1 million, with flexibility to respond to borrower capital needs. 

Illinois Small Business Loans

Pursuit
State(s): IL

Pursuit enters the Illinois small business market through the Advantage Illinois program and the Entrepreneurs of Color Fund and offers SBA 7(a) financing in the state up to $350,000.

Healthy Living, Healthy Financing

Greenwood Archer Capital
State(s): IL

Healthy Living, Healthy Financing (HLHF) promotes health and wellness and seeks to eliminate food deserts in low-to-moderate income communities. Through this initiative, GAC provides innovative financial solutions that work to provide the right capital in the right way to local food growers, purchasers or other entities that support the local food ecosystem.

Your Forte, Our Finance

Greenwood Archer Capital
State(s): IL

Greenwood Archer Capital (GAC) and the What’s Your Forte Foundation (WYFF) have joined forces to create the Your Forte, Our Finance program.  The program aims to, invest, grow, and rebuild the underserved communities in the south and west sides of Chicago.

B:Side’s Credit Builder Program

B:Side Fund
State(s): CO, NM

Are you a business owner looking to strengthen your personal and business credit? B:Side’s Credit Builder program is here to help! The program is designed for entrepreneurs who need access to capital while working on improving their credit standing. Participants receive $10,000 in working capital for their business. 

The Bronx Commercial Development Loan

The Bronx Economic Development Corporation
State(s): NY

The Bronx Economic Development Corporation is offering commercial development loans to businesses located in the Bronx with 25 or fewer employees. Businesses must provide their past three (3) years of tax returns at the time of application. 

The Bronx Micro-Loan

The Bronx Economic Development Corporation
State(s): NY

The Bronx Economic Development Corporation is offering micro-loans to businesses located in the Bronx with 25 or fewer employees. Businesses must provide their past three (3) years of tax returns at the time of application. 

"Gap" Revolving Loan Fund

Denver Economic Development & Opportunity
State(s): CO

DEDO's Revolving Loan Fund (RLF) addresses the complexity of securing capital to start a business or to expand an existing operation, and enhances the ability of small business owners to obtain such resources. This "gap" financing program is based on inducing banks to provide the bulk of the financing for small businesses.

Denver Microlending Program

Denver Economic Development & Opportunity
State(s): CO

The Denver Microlending Program provides capital and support services to small businesses and entrepreneurs who lack access to traditional financial resources. Our goal is to help create, retain, stabilize, and expand local small businesses. The program provides small business loans to both startup or expansion companies in the amount of $5,000 to $50,000 with terms up to five years. 

GoGeorgia Capital

GoGeorgia Capital
State(s): GA

GoGeorgia Capital provides small business owners with multiple options for funding their growth. Through this one, simple platform, small businesses can access loans for capital expenditures, working capital, facilities expansion, personnel investments and many other growth needs, as well as supportive services.

Grow Maine Direct Loan by FAME

The Finance Authority of Maine (FAME)
State(s): ME

Apply for Grow Maine direct loans through the Finance Authority of Maine (FAME). Loans up to $5 million are available, with interest rates to be set by the participating lending institution. The maximum loan amount of $5 million can be a part of a project, which cannot exceed $20 million.

Good and Green Loan

Pacific Community Ventures
State(s): CA

Pacific Community Ventures' new Good and Green Loan is designed to support the growth of small businesses contributing to a greener economy. They offer loans from $10,000 to $250,000 with fixed interest rates between 7 to 8.5%

Colorado Startup Loan Fund

B:Side Fund
State(s): CO

B:Side offers loans under $75k to Colorado startups that have been in operating from 6-24 months. The loan has a 10% interest rate and can be used for working capital, debt refinancing, equipment and inventory.

Express Rural Business Loans

B:Side Fund
State(s): NM

B:Side offers a $25,000 loan with an 8% fixed rate to rural small businesses in New Mexico and Colorado. No collateral is required.

Prairie Rose Development Kiva Loan

Prairie Rose Development Corp
State(s): CO

Prairie Rose Development facilitates Kiva loans statewide in Colorado. Kiva is an international microfinance platform that allows small businesses in the United State to access 0% / no-fee crowd-funded loans in the range of $1,000 to $15,000.

Feed the Hunger Fund

Feed the Hunger Fund
State(s): CA, HI

The Feed the Hunger Fund is a unique food-focused loan program infuses capital and business expertise into communities excluded from traditional financing options. Their Funding Process provides one-on-one Business Development services pre and post loan.

Commercial Real Estate Loan

CDC Small Business Finance
State(s): AZ, CA, NV

You can use an SBA 504 loan to buy, construct or improve commercial real estate or to purchase heavy equipment. Talk to one of their SBA 504 loan experts to learn how you can take advantage of a long-term, fixed rate and low down-payment (only 10%) SBA commercial real estate loan

Microenterprise Loan Program

City of Long Beach
State(s): CA

The Microenterprise Loan Program is designed to support Long Beach small businesses with loans between $25,000 to $100,000 available. To schedule a meeting to learn more about this program, please contact the City's BizCare Hotline at 562-570-4249.

Grow Long Beach Fund

City of Long Beach and National Development Council Grow America Fund
State(s): CA

Loans between $100,000 to $2 million are available for businesses that have been operating in Long Beach for at least two years. To schedule a meeting to learn more about this program, please contact the City's BizCare Hotline at 562-570-4249.

Small Business Façade, Site Improvement and Adaptive Reuse Program

The City of Orlando
State(s): FL

The Small Business Façade, Site Improvement and Adaptive Reuse Program (FSARP) is designed to revitalize business corridors and abandoned buildings within the city limits through funding for building façade, site improvements, and/or building reuse improvements. The FSARP is designed as a forgivable loan program.

The Rebuild Bond Program

SBMX
State(s): DC

Through the D.C. Rebuild Bond Program, eligible small businesses can apply to issue Small Business Bonds to their community with no origination fees. A Small Business Bond is like a loan, but instead of paying monthly principal and interest to a bank, it's paid to your community of investors.

ACE Small Business Loan

Access to Capital for Entrepreneurs
State(s): GA

They provide microloans between $15,000-$50,000 for Georgia entrepreneurs. It can be used for working capital, inventory, equipment and vehicles.

Maryland Economic Adjustment Fund

State of Maryland
State(s): MD

MEAF provides loans of up to $150,000 for small and underserved businesses with fewer than 50 employees. Eligible businesses include manufacturers, wholesalers, retail, technology firms, service companies and skilled trades.

Revolving Loan Fund

Coos Economic Development Corporation
State(s): NH

The Revolving Loan Funds (RLF) are intended for permanent working capital, fixed asset and gap financing needs for start-up and existing businesses located in Coös County and bordering areas.

MAF's Business Microloans

Mission Asset Fund
State(s): CA

MAF’s Business loans are designed to support small business owners and entrepreneurs in California. With this zero-interest $2,500 loan, you can cover any business-related costs while establishing or building credit.

Energize Colorado Community Program

Energize Colorado
State(s): CO

The Energize Community Program (ECP) prepares Colorado small business owners to successfully apply for loan capital. ECP includes funding readiness workshops, low-interest Gap Fund loans up to $75,000, and no-cost educational programming.

Black Cooperative Investment Fund

Black Cooperative Investment Fund
State(s): CA

Black Cooperative Impact Fund (BCIF) is a 501(c)3, community-based organization that provides zero-interest microloans to the Black business community with a specific focus on communities in the Southern California region.

San Diego Subcontractor Financing Program

Mission Driven Finance
State(s): CA

Mission Driven Finance provides small businesses access to flexible funding to help you grow and compete for municipal and corporate contracts. They offer loans between $100,000-$500,000.

Riverside County ReStart Loan Program

Riverside County Economic Development
State(s): CA

The County of Riverside and Ampac Business Capital are partnering to provide emergency and ongoing capital for small businesses in Riverside. Loans may be given for $15,000 to $30,000.

The Oakland Restorative Loan Fund

Pacific Community Ventures
State(s): CA

$2.5 million in zero-interest loans are now available to BIPOC or AAPI-owned business through PCV’s new Oakland Restorative Loan Fund. This fund can help combat gentrification and displacement, and support business owners as state and federal grant programs begin to end. 

Entrepreneur Loan Fund

Small Business Development Corporation of Orange County
State(s): CA

The Small Business Development Corporation of Orange County is now offering low-wealth entrepreneurs the opportunity to acquire the financing needed to grow their businesses. For qualified applicants, the Entrepreneur Loan Fund will provide loans between $2,000 and $30,000.

Working Solutions Small Business Loans

Working Solutions CDFI
State(s): CA

Whether you are a first-time business owner or a serial entrepreneur, have limited credit history or stellar credit, have a banking partner or have been turned down for a bank loan, are an existing business or your business is pre-revenue, Working Solutions offers affordable loans, application assistance, and free business consulting to support your next step.

Gig Worker & Independent Contractor Help And Assistance

Jewish Free Loan Association
State(s): CA

In a “gig” economy, the next paycheck is not guaranteed and individuals may find themselves in a financial bind between gigs. You can get up to $7,500 with 1 qualified guarantors and up to $36,000 with 2 qualified guarantors.

LiftFund Georgia

LiftFund
State(s): GA

Grow your small business with a 0% interest loan! LiftFund is proud to partner with Community Foundation for Greater Atlanta, The Wilbur and Hilda Glenn Family Foundation, R. Howard Dobbs, Jr. Foundation and Capital One to support Atlanta businesses with recovery funding at zero-percent interest.

Madison County Small Business Loan Fund

Madison County, Madison County Chamber of Commerce, Mountain BizWorks
State(s): NC

The Madison County Small Business Loan Fund aims to provide a rapid source of assistance for Madison County-based businesses that have been impacted by COVID-19. Loans are available for up to $10,000, based on the business' pre-COVID-19 revenue.

Northeast Colorado Revolving Loan Fund - COVID Funding

Northeastern Colorado Revolving Loan Fund
State(s): CO

NCRLF provides small business loans in the six counties of northeastern Colorado. Loans are made to benefit communities, through new or existing services or products and job growth.

Neighborworks Southern Colorado Emergency Small Business Loan Fund COVID-19

Neighborworks
State(s): CO

The Small Business Emergency Microloan Program now provides financing needed to strengthen small business enterprises in this time of acute need that have been affected by the COVID-19 outbreak. They offer loans from $1,000 to $20,000.

CEDS Finance

CEDS
State(s): CO

Whether entrepreneurs are looking for financing to Spark a new business idea, Elevate their business potential, Catalyze innovation, or Amplify their impact in the community, CEDS Finance has a variety of small business financing products to help small businesses thrive in today's economy. Check out the newest products available to your small Colorado business.

Grow Santa Cruz Loan Programs

City of Santa Cruz
State(s): CA

The City of Santa Cruz has formed a partnership with the National Development Council (NDC), one of the oldest not-for-profit corporations specializing in community and economic development, offering a series of focused loan programs serviced by NDC, designed to support small businesses within Santa Cruz. Check out the available financing products.

Region 10 Business Loan Fund

Region 10
State(s): CO

Over the past 30 years, Region 10's Business Loan Fund (BLF) has assisted 250 local, small businesses, and nonprofits with more than $9 million dollars in loans. Eligible entities include sole proprietorships, partnerships, corporations, limited liability companies, non-profits, local governments & special districts.

LEAF Loans for Cooperatives

Local Enterprise Assistance Fund
State(s): MA

LEAF provides financing for food cooperatives that create jobs and give access to healthy food in rural and urban communities across Massachusetts. Food co-ops promote environmental stewardship, small-scale farmers and local economies.

RCAC Small Business Loans

RCAC
State(s): National

RCAC's Small Business Loan Program assists businesses to retain or create jobs in communities of 50,00 or less people and thus improve the economic condition of rural communities. This program offers short-term loans for working capital and lines of credit as well as long-term loans for real estate and equipment.

Small Business Loans

Colorado Enterprise Fund
State(s): CO

With CEF's flexible terms & loan programs, including SBA Microloans, they'll work with you to build a loan that fits your business needs and makes your dream a reality. As a nonprofit Community Development Financial Institution (CDFI) lender, they can usually work with borrowers that have a startup business, lower credit score, tighter cash flow, or limited collateral.

USDA Direct Farm Operating Loan

United States Department of Agriculture
State(s): National

The Farm Service Agency offers loans to help farmers and ranchers get the financing they need to start, expand or maintain a family farm.

USDA Microloan Programs

United States Department of Agriculture
State(s): National

The focus of Microloans is on the financing needs of small, beginning farmer, niche and non-traditional farm operations, such as truck farms, farms participating in direct marketing and sales such as farmers markets, CSA‚ (Community Supported Agriculture), restaurants and grocery stores, or those using hydroponic, aquaponic, organic and vertical growing methods.

USDA Farm Ownership Loans

United States Department of Agriculture
State(s): National

Farm Ownership Loans offer up to 100 percent financing and are a valuable resource to help farmers and ranchers purchase or enlarge family farms, improve and expand current operations, increase agricultural productivity, and assist with land tenure to save farmland for future generations.

USDA Guaranteed Farm Loan Program

United States Department of Agriculture
State(s): National

FSA's Guaranteed Farm Loan Programs help family farmers and ranchers to obtain loans from USDA-approved commercial lenders at reasonable terms to buy farmland or finance agricultural production. FSA will guarantee farm loans through a commercial lender up to $2,236,000.

Facade Loan Program

Southeast Colorado Enterprise Development, Inc.
State(s): CO

The loan can be used for: affixed signage, window lettering, store-front awnings, new windows, new entry door, exterior painting and other exterior improvements. The maximum amount is $5,000 with 0% interest for three years.

Business Loan Fund

Southeast Colorado Enterprise Development, Inc.
State(s): CO

The BLF is an alternative (gap) financing method designed to help finance business projects that will positively impact the economic health of the communities within Baca, Bent, Crowley, Kiowa, Otero and Prowers counties. Individuals who meet eligibility requirements may apply.

Greeley Community Development Fund

Greeley Colorado
State(s): CO

The Greeley Community Development Fund assists with the financial needs of companies expanding in or locating to the City of Greeley. The Weld/Larimer Revolving Loan Fund, the City of Greeley, commercial banks in Greeley and the Hispanic Loan Program have joined together to provide the initial funding for this loan program.

Northwest Loan Fund

Northwest Colorado Council of Governments
State(s): CO

The Northwest Loan Fund (NLF) offer loans to new or growing business within the service area of Northwest Colorado that is creating jobs or providing positive economic impact for the local economy.

Business Loans

Jewish Free Loan Association
State(s): CA

As a non-profit organization, the Jewish Free Loan Association helps people of all races and religions by offering zero interest, zero fee personal and business loans with no collateral, just a qualified guarantor. Business loans are considered on a case-by-case basis and can be up to $25,000 maximum.

Pennsylvania Industrial Development Authority Fund

Pennsylvania Industrial Development Authority
State(s): PA

Pennsylvanis has created a $61 million fund to provide working capital loans of up to $100,000 directly to small businesses and hopefully nonprofits (those that employ 100 or fewer persons). Loan applications are packaged by a CEDO that services the county your business is or will be located in.

Fruita Small Business Emergency Assistance Fund

City of Fruita
State(s): CO

The purpose of the Fruita Small Business Emergency Assistance Fund is to assist qualifying Fruita small businesses who are facing financial hardships due to the COVID-19 pandemic and will remain open until funds are fully allocated. The fund is a partnership between the City of Fruita and the Business Incubator Center.

Black Business Loan Fund

Colorado Enterprise Fund
State(s): CO

Created for Black-Owned businesses to help bridge the gap in access to capital.

Oakland Black Business Fund

Oakland Black Business Fund
State(s): CA

Funds are available for Black-owned businesses that have been impacted by the pandemic and recent protests. Phase 1 will provide immediate response funds for repairing damages, providing storefront protection, and replacing equipment losses as a result of protests and looting.

JFLA Business Loan

Jewish Free Loan Association
State(s): CA

Short-term loans to put towards emergency medical and dental bills, auto and small business loans, and other needs.

Kiva loan

Kiva
State(s): National

Venturize is partnering with Kiva to bring affordable capital to U.S. small business owners during these challenging times. Kiva provides loans with 0% interest.

Microenterprise Assistance Program

Nebraska Department of Economic Development
State(s): NE

The Microenterprise Lending Program is meant to support the transfer of Nebraska-based technology & innovation to create high-growth, high technology businesses and to enhance creation of wealth and quality jobs. Eligible applicants must qualify as non profit micro-loan delivery organizations.

Colorado Startup Loan Fund

Colorado OEDIT
State(s): CO

The Colorado Startup Loan Fund provides loan capital to mission-based lenders to provide loans to Colorado entrepreneurs and small business owners needing capital to start, restart, or restructure a business, and those who are not able to obtain a loan from traditional lenders.