GRANT · HOW TO WIN THIS
Varies by loan; $25B+ total funded to date across 75,000+ borrowers.
Rolling — no deadline, apply anytime.
FUNDING TYPE
CDFI, Loan
CAN YOU GET THIS?
YOUR REAL ODDS
Rolling applications mean no waitlist, but approval depends on your borrower profile and loan type.
The company emphasizes serving borrowers who have been turned down by conventional lenders, particularly self-employed individuals and underbanked communities. Over 75,000 borrowers have been funded, suggesting meaningful volume.
WHAT IT TAKES
Visit thechangecompany.com and explore loan products — 30 minutes
Submit a loan inquiry or application — 1–2 hours
Work with a loan officer through the approval and closing process — Weeks to months depending on loan type
WORTH KNOWING
The Change Company's Community Mortgage program appears designed for self-employed borrowers who lack traditional tax return documentation — several borrowers closed without requiring multiple years of filed returns.
MORE LIKE THIS
Community 1st Credit Union
Varies; loan terms depend on business type and credit profile.
Iowa-based small businesses and startups can apply for business loans through this CDFI credit union on a rolling basis.
Afena Federal Credit Union
Varies; personal and business loans from $200 up to undisclosed amounts depending on product.
Small businesses and startups in Indiana can access loans through this CDFI credit union, with no stated identity restrictions.
The Bridgeway Federal Credit Union
Varies; specific loan amounts not published.
Small businesses and startups in Alabama can apply for loans on a rolling basis through this CDFI credit union.
$50B+ in available capital across grants, VC funds, CDFIs, and accelerators. Filter by your industry, stage, and region, and see everything you qualify for.
Explore the funding database →
$19/month · cancel anytime