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Impact Fund

$50K-$250K

The Impact Fund is for established or expanding businesses with 3+ years of consistent revenue.

If you’re seeking capital to accelerate growth, expand operations, and strengthen long-term impact, this fund is for you.

How the Loan is Evaluated

The project must be financially feasible and have a well-thought-out business plan business. Three-year financial projections required.

Interest Rate

Up to 10%

Fees

$150 application fee and 3% origination fee

Term

4 – 7 years

Pre-Payment Penalty

None

Collateral

UCC lien on business assets, real-estate and/or key-man insurance

Personal Guarantees

Must be provided by individual with 20% or more ownership

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Loan Purpose

Our loans can be used for a variety of business purposes, providing flexibility to meet your unique business needs. Whether you are looking to enhance your daily operations, invest in new technology, or expand your physical presence, our loan options are designed to support your business’ growth and success. With terms that cater to both working capital and longer-term investments, InclusiFi is committed to helping you achieve your business objectives and reach new heights of success.

  • Working Capital, Inventory
  • Machinery, Equipment, Furniture, Fixtures
  • Supplies, Leasehold Improvements, and Minor Building Renovations
  • Mobilization Dollars to Execute on Contract
  • Refinance Predatory Debt
  • Commercial Real Estate
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Frequently Asked Questions

To be eligible for an InclusiFi business loan, please ensure you meet these basic requirements:

  • Florida-Based: Your business or residence must be located in Florida.
  • Residency Verified: Provide documentation confirming your residency status (e.g., SSN, Tax ID, Green Card).
  • Age Requirement: You must be 21 or older, or 18+ with a qualified co-signer.
  • Contractual Ability: Be legally competent to sign a binding contract.
  • Repayment Capacity: Your business income should be sufficient to repay the loan and other obligations.
  • Demonstrated Responsibility: You should have a history of meeting financial commitments.
  • Equity Contribution: You must have invested your own savings or equity in the business.

An application for an InclusiFi business loan will be ineligible if any of the following apply:

  • Inability to Repay: The applicant is deemed unable to comfortably repay the loan after a full review.
  • Tax Liens: There are unresolved tax liens. (If you are currently on a payment plan, please inform your loan officer.)
  • Bankruptcy: The applicant is currently in active bankruptcy or has had a bankruptcy discharged less than 3 years ago.
  • Ineligible Business Types: The business operates in sectors such as lending, adult entertainment, firearms, real estate development, or multi-level marketing programs.
  • Outstanding Delinquencies: There are unaddressed delinquent mortgages, rent, child support, or multiple recent charge-offs or other delinquencies.
  • False Statements: Any false claims or statements are made on the application.

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

  • One-on-one technical assistance and mentoring: Providing guidance in areas like financial planning, marketing, and operations.
  • Specialized programs for specific demographics: These include initiatives for businesses owned by minorities and women.
  • Resources and connections: Helping entrepreneurs scale their businesses sustainably.

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:

  • Financial & Lending Institutions: This includes traditional and alternative lenders, check cashing services, factoring organizations, non-bank cash advances, pawn shops, and investment opportunities.
  • Real Estate: Businesses primarily engaged in real estate investment or development are ineligible.
  • Adult Entertainment: Businesses involved in the adult entertainment industry or dealing with related materials.
  • Firearms & Controlled Substances: This includes the distribution, sale, or manufacturing of firearms, and businesses dealing with cannabis or drug paraphernalia. Bars are also ineligible.
  • High-Risk / Speculative Businesses: Gambling establishments, lotteries/raffles, and non-FDA approved weight loss products.
  • Multi-Level Marketing & Pyramid Schemes: Businesses operating under these structures are excluded.
    Other Ineligible Businesses: Transportation (unless specifically approved by InclusiFi), collection agencies, currency exchanges, and precious metal sales. Businesses outside the U.S. are also ineligible.

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.