SBA Microloan Program

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

Rolling — apply any time through a local intermediary lender.

AMOUNT

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

AMOUNT

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

DEADLINE

Rolling — apply any time through a local intermediary lender.

DEADLINE

Rolling — apply any time through a local intermediary lender.

FUNDING TYPE

Grant, Loan

CAN YOU GET THIS?

Any small business or nonprofit childcare center can apply, but each lender sets its own credit requirements.

You'll generally need collateral and a personal guarantee from the business owner. Requirements vary by intermediary lender, so approval criteria differ depending on who you apply through.

YOUR REAL ODDS

The average loan awarded is about $13,000, well below the $50,000 maximum, suggesting most winners receive modest amounts.

This is a loan program, not a grant, so approval depends on your creditworthiness as judged by your local nonprofit lender. Rolling availability means no competitive cohort, but each lender has limited capital to deploy.

WHAT IT TAKES

Find an SBA-approved intermediary lender in your area using the microlender directory — 1-2 hours
Prepare collateral documentation and personal guarantee — A few days
Submit application directly to the intermediary lender and await their credit decision — Varies by lender

WORTH KNOWING

You cannot use microloan funds to pay existing debts or purchase real estate, so have a clear plan for working capital, inventory, equipment, or supplies before applying.

Apply on the funder’s site →

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.

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.

$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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