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Grant, Loan

Grant, Loan

North America

North America

OPEN

OPEN

GRANT · HOW TO WIN THIS

AmPac Community Lending Program (CDFI Microloan)

AmPac Community Lending Program (CDFI Microloan)

$5,000–$350,000 in loans (SBA Microloan capped at $50,000; city partnership programs also up to $50,000); one-time per application.

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Rolling applications—no deadline, apply anytime.

AMOUNT

$5,000–$350,000 in loans (SBA Microloan capped at $50,000; city partnership programs also up to $50,000); one-time per application.

AMOUNT

$5,000–$350,000 in loans (SBA Microloan capped at $50,000; city partnership programs also up to $50,000); one-time per application.

DEADLINE

Rolling applications—no deadline, apply anytime.

DEADLINE

Rolling applications—no deadline, apply anytime.

FUNDING TYPE

Grant, Loan

CAN YOU GET THIS?

You can apply if you run a for-profit business in California, are a U.S. citizen owner, and can show a plan to repay.

You can apply if you run a for-profit business in California, are a U.S. citizen owner, and can show a plan to repay.

Your business must have a net worth under $20M and average net income under $6.5M after taxes. You cannot have defaulted on a federal loan. The SBA Microloan (up to $50,000) is California-only; the 7a Community Advantage loan goes up to $350,000 and is open to U.S.-based businesses.

Your business must have a net worth under $20M and average net income under $6.5M after taxes. You cannot have defaulted on a federal loan. The SBA Microloan (up to $50,000) is California-only; the 7a Community Advantage loan goes up to $350,000 and is open to U.S.-based businesses.

YOUR REAL ODDS

This is a CDFI lender, not a competitive grant—approval depends on your creditworthiness and repayment ability, not a selective cohort process.

Applications are reviewed on a rolling basis, so there is no fixed competition window. Your credit profile, cash flow projections, and business plan are the deciding factors.

WHAT IT TAKES

  1. Check which program fits your need and location (SBA Microloan, 7a, or a city partnership fund) — 1–2 hours

  2. Prepare a completed business plan and financial projections or historical cash flow statements — 1–2 weeks

  3. Submit an application via AmPac's online portal or contact a Business Champion for guided support — 1–3 days

WORTH KNOWING

If you are a Black, Latino, or woman-led business buying commercial real estate in California, AmPac's Exclusive Down Payment Assistance Program can cover up to half the down payment (capped at $100,000) with no payments required for the first 12 months—this stacks on top of an SBA 504 or 7a loan.

Apply on the funder’s site →

MORE LIKE THIS

SBA Microloan Program

Loans up to $50,000; average award is ~$13,000. Repaid over up to 7 years at 8–13% interest.

Small businesses and certain nonprofit childcare centers in the US can borrow up to $50,000 through nonprofit intermediary lenders.

New York State CDFI Revolving Loan Fund (Microloan)

Up to $25,000 per loan, one-time microloan.

New York small businesses with 100 or fewer employees can apply for microloans up to $25,000 through regional CDFI lenders.

AmPac Community Lending Program (CDFI Microloan)

$5,000–$350,000 in loans; up to $100,000 in down payment assistance for eligible buyers.

California small businesses and startups can apply for loans from $5,000 to $350,000 on a rolling basis; Black, Latino, and women-led businesses may also qualify for down payment assistance grants.

This is 1 of 1,600+ open opportunities.

This is 1 of 1,600+ open opportunities.

$50B+ in available capital across grants, VC funds, CDFIs, and accelerators. Filter by your industry, stage, and region, and see everything you qualify for.

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