SMALL BUSINESS LOAN FUND
We are not a Bank. We are a nonprofit lender and certified by the US Department of Treasury as a Community Development Financial Institution (CDFI). This means we are 100% dedicated to delivering responsible, affordable lending. Partner with us to access the financial resources you need to grow and thrive.
Affordable Loans
Our loans have fixed interest rates and affordable payments.
Flexible Terms
Our loans are straightforward with easy to understand terms. Your payments will be structured to match your business cash flow.
Easy Application Process
Once the intake is completed, you will be invited to complete your application and upload your documents to our secure portal.
Proven Track Record
We have a proven track record of helping small businesses get responsible, affordable loans.
We offer several loan programs to meet your needs and target entrepreneurs who have insufficient access to conventional commercial credit. Our loan team works with you to tailor a loan to meet your specific needs and assist you in positioning your business for success.
Loan Size
$10,000 to $250,000
Loan Terms
3 to 7 years
Interest Rates
5.5% - 10%
Collateral
UCC lien on business assets
Key person life insurance
Personal Guarantee
Real Estate may be required for higher credit risks and/or larger loans.
Loan Fees
The business will be responsible for all loan closing expenses including application fees, origination fees, legal fees, UCC filings and other court costs.
• Eligible Businesses
We fund businesses from a wide range of industries. The business must be:
o For-profit business registered on Sunbiz
o Generating revenue for 18+ months
o Located in Florida
• Eligible Loan Uses
Loans can be used for nearly every business purpose. Some of the eligible uses are outlined below:
o Purchase machinery, equipment, supplies and inventory
o Business acquisition
o Commerical real estate acquisition, construction, renovation, or rehabilitation
o Technology upgrades and marketing
o Working capital
o Leasehold improvements, architectural design, engineering
Not ready yet.... No problem!
We will work with you and develop a personalized plan to get you loan-ready.
Please gather the following documents to upload to our secure portal when completing the loan application.
Business Documents
Business Plan
Business Tax Returns 1-2 years
Business Financial Statements (Profit & Loss Statement, Balance Sheet, & Cash Flow Statement) 1-2 years and year to date
Business Bank Statements (3 months)
Business Debt Schedule
Operating Agreements, Articles of Incorporation, By-Laws
Proof of General Liability Insurance
Personal Documents
Personal Tax Returns 1-2 years
Personal Bank Statements (3 months)
Personal Credit Report
Personal Financial Statements
We reserve the right to request additional documentation based on the nature of the funding request.
Most delays occur due to incomplete loan applications or missing documents.
If you need assistance with any of the items listed above, please reach out for pre-loan counseling and technical assistance.
Once all documents are received, the processing time is approximately 30-60 days from receipt to loan closing.
We believe in helping small businesses build not just their operations, but their financial futures. That’s why we report our business loan activity to major credit bureaus.
Why is this important?
- Build Business Credit: Timely repayment of your loan helps establish and strengthen your business credit profile, which can open doors to larger financing opportunities in the future.
- Increase Financial Visibility: A strong credit history makes your business more attractive to banks, investors, and suppliers.
- Empower Growth: With improved credit, you may qualify for better terms, lower interest rates, and more flexible financing options down the road.
Whether you're just starting out or scaling up, we’re committed to supporting your long-term success — and that includes helping you build a solid financial foundation.
