InclusiFi offers flexible loan solutions designed to power your business’s growth and success. Whether it’s optimizing daily operations, investing in innovative technology, or expanding your physical presence, our loans are designed to meet your unique needs. With terms suited for both working capital and longer-term investments, InclusiFi is dedicated to helping you achieve your business objectives and reach new levels of achievement.
Start-up, newly established business less than 18 months in operation
Established or growing businesses generating revenue 3+ years
LOANS REQUESTS ABOVE $100,000 WILL BE CONSIDERED ON A CASE-BY-CASE BASIS. MAX LOAN $250,000
Loans are prepared and structured in partnership with you.
You’ll be guided by a dedicated member of our team.
In addition to capital, we provide tools & knowledge needed.
Your loan payment helps fuel our impact in the community.
The InclusiFi loan application process is designed to be supportive and straightforward. It begins when you submit the initial online form. After providing information about you and your business, you will be able to schedule a one-on-one counseling session to discuss your business needs and confirm your readiness to apply for a loan. If you are ready to proceed, you’ll be paired with a dedicated lending team member who will expertly guide you in preparing the strongest possible application. This includes helping you compile all necessary documentation to verify your information and provide a comprehensive understanding of your unique business circumstances.
Interested applicants complete the intake form
Loan processor conducts counseling session and determines if you’re ready to apply
Access to Loan Application provided. Assistance if provided as needed
Loan request is thouroughly reviewed. Ádditional information may be requested
The loan committee will meet to vote on loan approval
The loan closing will be scheded and funds will be disbursed
Gather the following documents to upload to our secure portal when completing the loan application. We reserve the right to request additional documentation based on the nature of the funding request. Most delays occur due to incomplete loan applications or missing documents. If you need assistance with any of the items listed above, please reach out for loan counseling and/or technical assistance.
For all applicants owning 20% or more
To be eligible for an InclusiFi business loan, please ensure you meet these basic requirements:
An application for an InclusiFi business loan will be ineligible if any of the following apply:
Creditworthiness is an important factor in securing an InclusiFi business loan, with a required score of 580 or higher. However, InclusiFi recognizes that credit may not always reflect the full picture of a business’s potential. If your credit score needs improvement or is still developing, InclusiFi will work with you to leverage other positive aspects of your business, such as strong financial performance, a solid business plan, or available collateral. This ensures that every effort is made to facilitate your access to the necessary funding for growth and success.
Choosing InclusiFi means gaining a committed partner in your business journey, not just a lender. While providing tailored loan solutions, the company also offers
Dedicated to strengthening local economies, InclusiFi is a nonprofit community organization committed to the success of small business owners and the vitality of their communities. Understanding the hurdles many entrepreneurs face in accessing capital, InclusiFi provides a vital alternative. The approach includes smaller loan offerings, a holistic evaluation that considers various financial factors, not just credit scores, and customized loan terms to ensure they truly support a business’s journey toward growth and stability.
InclusiFi supports businesses across a wide spectrum of industries, including construction, retail sales, landscaping, restaurants, professional services, and many more.
Please note that InclusiFi business loans are not available for businesses operating in the following industries:
Yes! InclusiFi provides funding for startup businesses. To be eligible, your startup should have a well-developed business plan, realistic three-year financial projections, and relevant experience within your industry. The best way to assess your specific eligibility and discuss your unique situation is to speak directly with one of our small business advisors.
The InclusiFi loan application process is designed to be supportive and straightforward. It begins when you submit the initial online form. Within two business days, you’ll receive a call to schedule a one-on-one counseling session to discuss your business needs and confirm your readiness to apply for a loan. Should you be ready to proceed, you’ll be paired with a dedicated lending team member who will expertly guide you in preparing the strongest possible application. This includes helping you compile all necessary documentation to verify your information and provide a comprehensive understanding of your unique business circumstances.
Should you not meet the qualifications for a loan with InclusiFi initially, that’s not the end of the journey. InclusiFi will provide detailed feedback and introduce you to strategic business resource partners. These connections are tailored to help enhance your business operations and financial health, paving the way for a more successful loan application in the future.
Start by pinpointing the specific use of the loan proceeds and diligently quantifying the exact costs involved. To determine the correct amount of money that a business needs, detailed cost projections should be created for the use of borrowed funds.
InclusiFi loans require a personal guarantee from all individuals holding 20% or more ownership in the business. Additionally, depending on the loan size, real estate collateral may be requested, and a co-signer might be required.
Attending our funding workshops will improve your chances of being approved by the BBIC, or Pathway Capital Funding.
