Find a loan for your small business

Learn about loan options for your business and how to get help applying for a loan

What to do

Loan preparation

Before applying for a loan, contact the San Francisco Small Business Development Center

They will pair you with a financial consultant. Your consultant can help you explore whether a loan is right for your business. They may suggest what options are best for you. 

They can also help with business planning and building or repairing credit.

Loans options

$10,000-$50,000 loans for startups and small businesses

The San Francisco Small Business Revolving Loan Fund (RLF) offers small businesses loans for:

  • Start-up expenses
  • Furniture and equipment
  • Tenant improvements
  • Working capital
  • Marketing

Loans range from $10,000-$50,000 with 3.5-9.25% interest rates and 10-year loan terms.

To learn more and apply, contact Karla De Leon at 510-830-3226 or karla@mainstreetlaunch.org.

$50,000 to $250,000 loans for high-impact businesses

The Emerging Business Loan Fund (EBLF) offers loans to support businesses and projects that create jobs for low to moderate income individuals. Loans are for:

  • Real estate
  • Furniture and equipment
  • Tenant improvements
  • Working capital

Loans range from $50,000 to $250,000 with a ~7.75% interest rate and 10-year loan terms.

To learn more and apply, contact Karla De Leon at 510-830-3226 or karla@mainstreetlaunch.org.

Partner loan resources

Fondo Adelante 

The Mission Economic Development Agency’s (MEDA) community loan fund, Fondo Adelante, offers loans up to $100,000 to businesses who cannot get a loan at a traditional bank. 

Kiva

Kiva helps entrepreneurs access crowdfunded loans up to $10,000 with 0 interest to launch or expand their micro-enterprise.

Mission Asset Fund

Mission Asset Fund helps clients participate in lending circles to help low-income businesses access 0 interest loans and build credit.

Pacific Community Ventures

Pacific Community Ventures offers loans up to $250,000 to qualifying small businesses in growth phase with annual revenues between $250,000 and $5 million. 

Southeast Asian Community Center

The Southeast Asian Community Center (SEACC) offers loans of $5,000 to $50,000, to small businesses that have been unable to secure conventional bank loans or have no credit.

Working Solutions

Working Solutions offers tailored mentorship and coaching plans for your business’ needs. Access loans up to $50,000 with 5 year loan terms and 8-10% interest rates.

Last updated February 16, 2022