Working Solutions

$5,000–$100,000; 3-year or 5-year term at 11% fixed interest.

Rolling applications — apply at any time.

AMOUNT

$5,000–$100,000; 3-year or 5-year term at 11% fixed interest.

AMOUNT

$5,000–$100,000; 3-year or 5-year term at 11% fixed interest.

DEADLINE

Rolling applications — apply at any time.

DEADLINE

Rolling applications — apply at any time.

FUNDING TYPE

CDFI, Loan

CAN YOU GET THIS?

Any California small business or startup can apply — no minimum credit score, no minimum revenue, no collateral required.

Working Solutions specifically serves pre-revenue businesses and those with less than one year in operation. The loan is open to all industries and identity groups.

YOUR REAL ODDS

Rolling applications mean no competitive cohort, but loan approval still depends on individual underwriting review.

Working Solutions has deployed over $75 million to California small businesses, suggesting an active lending volume. Interest rate is set during review, so terms vary by applicant.

WHAT IT TAKES

Check eligibility and gather business documents — 1-3 days
Submit application with $50 non-refundable fee — 1-2 hours
Underwriting review and interest rate determination — Varies
Sign loan documents and pay closing fees (5% closing fee + $5 UCC filing) — 1 day

WORTH KNOWING

Working Solutions offers free one-on-one business consulting through the process, including help getting loan-ready — useful if your application needs strengthening before or after submission.

Apply on the funder’s site →

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.

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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