IRC's Center For Economic Opportunity, Inc. (CEO)

The program is mission-driven toward underserved borrowers, particularly immigrants and low-income individuals, and applicants who fit that profile have a stronger case. Loan amounts are described as small dollars, so set your expectations on size accordingly.

CEO explicitly targets borrowers who would otherwise turn to high-interest or predatory lenders, which means a thin or poor credit history is less likely to disqualify you here than it would at a traditional bank.