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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; up to $100,000 in down payment assistance for eligible buyers.

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Rolling — no set deadline, apply anytime.

AMOUNT

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

AMOUNT

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

DEADLINE

Rolling — no set deadline, apply anytime.

DEADLINE

Rolling — no set deadline, apply anytime.

FUNDING TYPE

Grant, Loan

CAN YOU GET THIS?

You need a for-profit California business, U.S. citizen ownership, a business plan, and the ability to show you can repay.

You need a for-profit California business, U.S. citizen ownership, a business plan, and the ability to show you can repay.

Your business must be 100% U.S. citizen-owned, have a net worth under $20M, and average net income under $6.5M after taxes. You cannot have defaulted on a federal loan, and for the SBA Microloan, your business and property must both be in California.

Your business must be 100% U.S. citizen-owned, have a net worth under $20M, and average net income under $6.5M after taxes. You cannot have defaulted on a federal loan, and for the SBA Microloan, your business and property must both be in California.

YOUR REAL ODDS

AmPac is a CDFI specifically designed to fund businesses that don't qualify for traditional bank financing, so creditworthiness standards are more flexible than a conventional lender.

The program is rolling and not a competitive grant lottery — approval depends on your individual application, credit profile, and ability to demonstrate repayment capacity, not on beating other applicants to a fixed pool.

WHAT IT TAKES

  1. Confirm eligibility for the specific program (SBA Microloan, 7a Community Advantage, or a city/county partnership loan) — 1–2 hours

  2. Prepare a completed business plan and financial documents (cash flow history or projections) — 1–2 weeks

  3. Submit application at ampac.com or contact AmPac Business Champions directly — 1–2 hours

WORTH KNOWING

Black, Latino, and women-led businesses buying commercial real estate in California should specifically ask about the Down Payment Assistance Program, which can cover up to half the down payment (max $100,000) with no payments for the first 12 months.

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

California small businesses and startups can apply for loans from $5,000 to $350,000 on a rolling basis, with special programs for Black, Latino, and women-led businesses.

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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