Up to $5,000
Start Up Loan
For early-stage entrepreneurs launching or formalizing a business.
First capital for founders without a track record. Pairs with free coaching to build books, licensing and credit from day one.
Our Loan Products
Find the right loan for where you are right now.
Nine flexible products from $500 to $2M+. Affordable rates, no prepayment fees, free coaching with every loan, and a decision in 72 hours.
U.S. Treasury Certified CDFIDFPI CA License #CFL-137691Equal Opportunity LenderCandid Platinum Transparency 2026IRS Registered 501(c)(3)
Up to $50,000
Microloan
For small businesses needing capital to launch, stabilize, or grow.
Our most-used product. Working capital, inventory, equipment or hiring, with terms set around your real cash flow.
Up to $100,000
Small Business Loan
For established businesses seeking growth or working capital.
Larger direct financing for businesses with operating history that still fall outside conventional bank credit boxes.
Up to $20,000
Nano Loan
Powered by Access Plus Capital — fast, flexible capital.
A streamlined product delivered with our partner Access Plus Capital for businesses that need to move quickly.
$10,000+
Nonprofit Loan
Direct financing for 501(c)(3) nonprofits and community organizations.
Bridge grant timing gaps, cover program launches, or fund facilities for mission-driven organizations.
Up to $20,000
TechStart Loan
Green tech and innovation financing for City of Riverside businesses.
Supports climate, clean energy and technology ventures operating within the City of Riverside.
Up to $20,000
HSTEP Loan
For final-semester nursing students covering tuition and education costs.
Health sector talent financing so students can finish their credential and enter the workforce.
$500 – $2,500
Small Dollar Loan
For emergency expenses, credit-building, or first steps toward business.
A responsible alternative to predatory lending, reported to help borrowers build credit history.
$100K – $2M+
Commercial Referral
For larger business and commercial real estate needs via partner lenders.
When your need exceeds our direct lending limit, we package and refer you to trusted partner institutions.
Not sure which product fits? One application covers them all — we will match you to the right loan.
ApplyAffordable rates
Mission-based pricing set to keep businesses solvent, not to maximize yield.
No prepayment fees
Pay early whenever you can. You will never be penalized for growing faster.
All credit histories
We underwrite the whole picture — character, cash flow and community impact.
Ready to start your journey?
Whether you are ready to apply or just exploring options, our team will help you find the right fit for your business.