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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

TMC Community Capital

California
  • Loan Amount: $5,000 – $50,000
  • Interest Rate: 6% – 9%
  • Business age: Minimum 1 year.
  • Income or revenue: demonstrate a source of income (at least 6 months)
  • Credit score: No minimum credit score.
  • Documents: 1. Proof of business. 2. Valid government-issued photo ID.

Working Solutions

9 Bay Area counties
  • Loan Amount: $5,000 – $50,000
  • Interest Rate: 9 – 10%
  • 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. 2. Valid government-issued photo ID.

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

PCV (Pacific Community Ventures)

California
  • Loan Amount: $10,000 – $200,000
  • Interest Rate: 7% – 13%
  • Business age: Minimum 1 year.
  • 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.

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

需要创建或更新您的商业计划?在本次会议中,我们将指导您使用商业模式画布工具创建一页计划。您将学习描述您的业务目标、关键活动等。

Accessing capital for your business

正在寻找资金来启动、运营或发展您的业务?在本次会议中,我们将探索为您的小型企业提供资金的不同方式。您将了解各种商业贷款计划,包括 MAF 的 0% 利息、信用建设商业小额贷款。

Business Model Canvas Tool

需要创建或更新您的商业计划?在本次会议中,我们将指导您使用 Business Model Canvas 工具创建单页计划。您将学习描述您的业务目标、关键活动等。

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.

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