Our Lending Products
Transparent, fair financial products designed for underbanked communities. No hidden fees, no surprises.
Micro Personal Loan
$500 – $5,000
APR Range
3.9% – 8.5%
Term
3 – 18 months
Features
- ✓ No collateral required
- ✓ Same-day approval
- ✓ Credit bureau reporting
- ✓ Flexible repayment schedules
Eligibility
- • 18+ years old
- • Valid government ID
- • Proof of income ($1,200+/mo)
- • Active bank account
Small Business Loan
$5,000 – $50,000
APR Range
4.2% – 12.0%
Term
6 – 36 months
Features
- ✓ Working capital & equipment
- ✓ Revenue-based repayment
- ✓ No prepayment penalties
- ✓ Dedicated advisor
Eligibility
- • 6+ months in business
- • Monthly revenue $3,000+
- • Business bank account
- • Valid business license
Emergency Bridge Loan
$250 – $2,000
APR Range
0% – 5.0%
Term
1 – 6 months
Features
- ✓ 0% APR for first-time borrowers
- ✓ 24-hour funding
- ✓ Hardship deferment option
- ✓ Community-subsidized rates
Eligibility
- • Proof of emergency expense
- • Any income level accepted
- • Government ID
- • Referral or community voucher
Credit Builder Loan
$300 – $3,000
APR Range
2.0% – 6.0%
Term
6 – 24 months
Features
- ✓ Reports to all 3 bureaus
- ✓ Savings component built in
- ✓ Financial coaching included
- ✓ Graduation bonus rate
Eligibility
- • No minimum credit score
- • 18+ years old
- • Steady income source
- • Commitment to coaching sessions