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Loans for You

Access to Capital

Here, you can find a summary of different loan programs that meets your unique business needs. Feel free to connect with these resources, take your time to find which one is the best fit, and evaluate your strategy to access capital.

MAF – Lending Circles

California
  • Loan Amount: Variable between $300-$2,400.
  • Interest Rate: 0% (Personal credit-building loan)
  • ITIN number holders can apply
  • Credit score: No minimum credit score
  • Documents: 1. Valid government-issued photo ID. 2. Paystubs or Personal Bank Statements

MAF – Business Microloans

California
  • Loan Amount: up to $2,500
  • Interest Rate: 0% (Personal credit-building loan)
  • ITIN number holders can apply
  • Business age: No minimum age
  • Credit score: No minimum credit score
  • Documents: 1. Valid government-issued photo ID. 2. Personal or Business Bank Statements

Kiva

California
  • Loan Amount: $1,000 – $15,000
  • Interest Rate: 0%
  • Business age: No minimum age
  • Income or revenue: demonstrate a source of income. No minimum.
  • Credit score: No minimum credit score.
  • Documents: 1. Proof of business is optional. 2. Personal or Business Bank statements

Accion Opportunity Fund

California
  • Loan Amount: $5,000 – $100,000
  • Interest Rate: 5.99% – 10%
  • Business age: Minimum 6 months.
  • Income or revenue: demonstrate a source of income (at least 3 months)
  • Credit score: No minimum credit score.
  • Documents: 1. Proof of business. 2. Valid government-issued photo ID.

MEDA (Fondo Adelante)

9 Bay Area counties
  • Loan Amount: $5,000 – $100,000
  • Interest Rate: 7% – 9%
  • ITIN number holders can apply
  • Business age: No minimum age
  • Credit score: No minimum credit score
  • Documents: 1. Proof of business. 2. Personal or Business Bank Statements

More resources

Keep exploring alternatives to improve your strategy to access capital and learn more about how to prepare your business for this challenge.

Building your business plan

Need to create or update your business plan? In this session, we’ll guide you in creating a one-page plan with the Business Model Canvas tool. You’ll learn to describe your business objectives, key activities, and more.

Accessing capital for your business

Looking for capital to start, run, or grow your business? In this session, we’ll explore different ways to fund your small business. You’ll learn about various business loan programs, including MAF’s 0% interest, credit-building Business Microloans.

Business Model Canvas Tool

Need to create or update your business plan? In this session, we’ll guide you in creating a one-page plan with the Business Model Canvas tool. You’ll learn to describe your business objectives, key activities, and more.

An easy way to find what you need

4 different options that can help to understand your business needs and be ready to face any challenge.

Access to capital to my business

Discover funding options to start or grow your business. Simples steps can help you to find the correct source of capital.

Access to financial education

You can directly access and learn different resources to achieve your financial goals. Tailored content for you.

Access to Business Resources

Connect with resources that can help you to keep moving forward with your business idea or your next business challenge.

Access to MAF services

Check out our financial products and services. Here you’ll find workshops, one-on-one financial coaching, or applying for our loans.