Working Solutions CDFI

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

Rolling applications — no deadline.

AMOUNT

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

AMOUNT

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

DEADLINE

Rolling applications — no deadline.

DEADLINE

Rolling applications — no deadline.

FUNDING TYPE

CDFI, Loan

CAN YOU GET THIS?

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

Working Solutions serves diverse entrepreneurs in California, including pre-revenue businesses and those with less than one year of operating history. There is a $50 non-refundable application fee plus closing costs.

YOUR REAL ODDS

Applications are accepted on a rolling basis, so there is no competitive cohort cycle to beat.

Working Solutions has deployed over $75 million to California small businesses, suggesting consistent lending activity. Individual odds depend on your application review, but the absence of credit score and collateral requirements lowers the typical bar to qualify.

WHAT IT TAKES

Review eligibility requirements on their website and gather business documents — 1-3 hours
Submit application with $50 non-refundable fee — 1-2 hours
Undergo application review and consulting process — Varies by applicant
Sign loan documents and pay 5% closing fee plus $5 UCC filing fee — 1 day

WORTH KNOWING

Working Solutions pairs loans with free one-on-one business consulting from application through repayment, which can help founders who are early-stage get loan-ready even before they apply.

Apply on the funder’s site →

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Afena Federal Credit Union

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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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