Looking for SBA microloan lenders near you? Our comprehensive directory helps entrepreneurs and small business owners find approved SBA microlenders offering loans up to $50,000. Whether you need startup capital, working capital, or funds for inventory and equipment, our searchable database connects you with mission-driven nonprofit lenders specializing in microloans for underserved communities. Discover competitive interest rates, flexible terms, and technical assistance from SBA-approved intermediaries that traditional banks might not offer. Start your small business funding journey today by exploring our state-by-state list of certified SBA microloan providers—the alternative financing solution for businesses with limited credit history or collateral.
| Company | City | State | Telephone | States served |
|---|---|---|---|---|
| Renaissance Community Loan Fund | Gulport | Mississippi | Alabama | |
| New Roots Fund | Auburn | Washington | 206-323-3152 | Alaska |
| Spruce Root, Inc. | Juneau | Alaska | 907-586-9251 | Alaska |
| People Trust Community Loan Fund | Little Rock | Arkansas | 501-404-4857 | Arkansas |
| Community Investment Collaborative | Charlottesville | Virginia | 434-260-5165 | Virginia |
| Vermont Slauson LDC, Inc. | Los Angeles | California | California | |
| West Central Community Development Corporation | Appleton City | Missouri | 417-646-6900 | Kansas, Missouri |
| Harlem Entrepreneurial Fund, LLC | New York | New York | 212-749-0900 | New York |
| Seattle Economic Development Fund (dba: Business Impact Northwest) | Tukwila | Washington | 503-210-5649 | Alaska, Idaho, Oregon, Washington |
| Community Business Partnership, Inc. | Springfield | Pennsylvania | 703-768-1440 | Virginia |
| African Economic Development Solutions | St. Paul | Minnesota | 651-646-9411 | Minnesota |
| CLIMBFund | Charleston | South Carolina | 843-973-7298 | South Carolina |
| Carolina Community Impact | Raleigh | North Carolina | 919-785-0718 | North Carolina |
| Iowa Center for Economic Success | Des Moines | Iowa | 515-283-0940 | Iowa |
| The UCEDC | Cranford | New Jersey | 908-527-1166 | New Jersey, New York, Pennsylvania |
| Council for Native Hawaiian Advancement | Kapolei | Hawaii | 808-596-8155 | Hawaii |
| Brattleboro Development Credit Corp | Brattleboro | Vermont | 802-257-7731 | Vermont |
| IRC’s Center for Economic Opportunity | San Diego | California | 888-612-1002 | California |
| National Asian American Coalition | Daly City | California | 650-952-0522 | California |
| New Roots Fund | Seattle | Washington | 206-323-3152 | Washington |
| The Washington Area Community Investment Fund | Washington | District of Columbia | 202-529-5505 | Virginia, District of Columbia, Maryland |
| TrueAccess Capital (Southern Delaware – By Appointment Only) | Georgetown | Delaware | 302-652-6774 | Delaware |
| Accompany Capital | New York | New York | 212-898-4130 | New York |
| Region 9 Economic Development District of SW Colorado | Durango | Colorado | Colorado | |
| Baltimore Community Lending | Baltimore | Maryland | 410-727-8590 | Maryland |
| Michigan Women’s Foundation assumed Entrepreneur Institute of Mid-Michigan | Detroit | Michigan | ||
| Northeast Entrepreneur Fund, Inc.dba Entrepreneur Fund | Duluth | Minnesota | 218-623-5747 | Minnesota |
| Michigan Women’s Foundation | Detroit | Michigan | 313-962-1920 | Michigan |
| First Children’s Finance | Minneapolis | Minnesota | 866-562-6801 | Minnesota |
| Northeast South Dakota Economic Corp. | Sisseton | South Dakota | 605-698-7654 | South Dakota |
| Women’s Economic Self Sufficiency Team | Albuquerque | New Mexico | 505-246-6900 | New Mexico |
| CDC Small Business Finance Corporation | San Diego | California | 619-291-3594 | California |
| Community Investment Corporation | Hamden | Connecticut | 203-776-6172 | Connecticut, Rhode Island |
| The Economic Development and Industrial Corporation of Lynn | Lynn | Massachusetts | 781-581-9399 | Massachusetts |
| The Community Economic Development Fund Foundation, Inc. | Meriden | Connecticut | 203-235-2333 | Connecticut |
| Columbia Economic Development Corp. dba Choose Columbia | Hudson | New York | 518-828-4718 | New York |
| Kentucky Highlands Investment Corporation | London | Kentucky | 606-864-5175 | Kentucky |
| Community Action of Northeast Indiana | Fort Wayne | Indiana | Indiana | |
| WomenVenture | St. Paul | Minnesota | 612-224-9540 | Minnesota |
| Micro Enterprise Services of Oregon (Pedagogy Institute) | Portland | Oregon | 503-914-6147 | Oregon |
| Ventures | Seattle | Washington | Washington | |
| SNAP Financial Access | Spokane | Washington | 509-456-7627 | Washington |
| Main Street Launch | Oakland | California | 510-763-4297 | California |
| North Edge Financing | Eureka | California | 707-798-6132 | California |
| Opening Doors, Inc. | Sacramento | California | 916-492-2591 | California |
| Valley Small Business Development Corporation | Fresno | California | California | |
| Fresno Community Development Financial Institution | Fresno | California | 559-263-1045 | California |
| California Coastal Rural Development Corporation | Salinas | California | California | |
| Southeast Asian Community Center | San Francisco | California | 415-885-2743 | California |
| Working Solutions CDFI | San Francisco | California | 415-644-5433 | California |
| Prestamos CDFI, LLC | Phoenix | Arizona | 602-258-9911 | Nevada, Arizona |
| PPEP Housing Development Co/Micro Ind. Credit Rural Org | Tucson | Arizona | 520-622-3553 | Arizona |
| New Mexico Community Dev. Loan Fund, Inc. | Albuquerque | New Mexico | 505-243-3196 | New Mexico |
| Pacific Asian Consortium In Employment | Los Angeles | California | 213-989-3168 | California |
| AmPac Tri-State CDC, Inc. | Grand Terrace | California | 909-915-1706 | California |
| Region 10 LEAP for Economic Development | Montrose | Colorado | 970-249-2436 | Colorado |
| Wyoming Women’s Business Center | Laramie | Wyoming | 307-460-3943 | Wyoming |
| Jannus, Inc | Boise | Idaho | 208-336-5533 | Idaho |
| Utah Microenterprise Loan Fund | Salt Lake City | Utah | 801-746-1180 | Utah |
| Alliance for Multicultural Community Services | Houston | Texas | 713-776-4700 | Texas |
| LiftFund, Inc | San Antonio | Texas | 210-226-3664 | Alabama, Tennessee, Louisiana, Arkansas, Texas, Mississippi, Georgia |
| PeopleFund | Austin | Texas | 512-472-8087 | Texas |
| Community Enterprise Development Services | Aurora | Colorado | 303-569-8165 | Colorado |
| Colorado Enterprise Fund | Denver | Colorado | 303-860-0242 | Colorado |
| Forge-Financing Ozarks Rural Growth and Economy | Huntsville | Arkansas | 501-738-1585 | Oklahoma, Arkansas, Missouri |
| Tulsa Economic Development Corporation | Tulsa | Oklahoma | 918-585-8332 | Oklahoma |
| Rural Enterprises of Oklahoma, Inc. | Durant | Oklahoma | 800-658-2823 | Oklahoma |
| Little Dixie Community Action Agency | Hugo | Oklahoma | 580-326-3351 | Oklahoma |
| Nebraska Enterprise Fund | Oakland | Nebraska | 402-685-5500 | Nebraska |
| Omaha Small Business Network, Inc. | Omaha | Nebraska | 402-453-5336 | Nebraska |
| Community Development Resources | Lincoln | Nebraska | Nebraska | |
| Communities Unlimited, Inc. | Fayetteville | Arkansas | 479-443-2700 | Arkansas, Mississippi, Tennessee |
| Justine Petersen Housing & Reinvestment Corporation | St. Louis | Missouri | 314-533-2411 ext. 2411 | Missouri, Illinois, Kansas |
| AltCap | Kansas City | Missouri | 833-549-2890 | Colorado, Kansas, Missouri, Nebraska, Texas |
| South Central Kansas Economic Development District Inc | Bel Aire | Kansas | 316-262-7035 | Kansas |
| Rural Enterprise Assistance Project-Center for Rural Affairs | Lyons | Nebraska | 402-687-2100 | Nebraska |
| Northwest Minnesota Foundation | Bemidji | Minnesota | 218-759-2057 | Minnesota |
| Lake Agassiz Regional Development Corporation | Fargo | North Dakota | 701-235-1197 | North Dakota |
| MoFi | Missoula | Montana | 406-728-9234 | Montana |
| Allies for Community Business | Chicago | Illinois | 312-275-3000 | Illinois, Indiana |
| Southern Minnesota Initiative Foundation | Owatonna | Minnesota | 507-214-7044 | Minnesota |
| Neighborhood Development Center | Saint Paul | Minnesota | 651-291-2480 | Minnesota |
| Southwest Initiative Foundation | Hutchinson | Minnesota | 320-583-2180 | Minnesota |
| African Development Center | Minneapolis | Minnesota | 612-333-4772 | Minnesota |
| Wisconsin Women’s Business Initiative Corporation | Milwaukee | Wisconsin | 414-395-4562 | Wisconsin |
| First American Capital Corp. | Hales Corners | Wisconsin | 414-604-2044 | Wisconsin |
| CAP Services, Inc | Stevens Point | Wisconsin | 715-343-7100 | Wisconsin |
| Northwest Wisconsin Regional Planning Commission | Spooner | Wisconsin | 715-635-2197 | Wisconsin |
| Advocap, Inc | Fond du Lac | Wisconsin | 920-922-7760 | Wisconsin |
| Great Lakes Women’s Business Council | Livonia | Michigan | 734-677-1400 | Michigan |
| Metro Community Development, Inc. | Flint | Michigan | 810-767-4622 | Michigan |
| Grand Rapids Opportunities for Women (GROW) | Grand Rapids | Michigan | 616-458-3404 | Michigan |
| Northern Initiatives | Marquette | Michigan | 906-228-5571 | Michigan |
| Iowa Foundation Microenterprise Community Vitality | Boone | Iowa | 515-212-0182 | Iowa |
| Southeast Kentucky Economic Dev. Corp. (SKED) | Somerset | Kentucky | 606-677-6100 | Kentucky |
| Economic and Community Development Institute | Columbus | Ohio | 614-559-0115 | Ohio |
| Flagship Enterprise Center, Inc. (dba Bankable) | Anderson | Indiana | 765-622-0100 | Indiana |
| Neighborhood Self Employment Initiative, Inc. | Indianapolis | Indiana | 317-464-2258 | Indiana |
| Southeast Community Capital dba Pathway Lending | Nashville | Tennessee | 615-425-7171 | Tennessee |
| Renaissance Community Loan Fund, Inc. | Gulfport | Mississippi | 228-896-3386 | Mississippi |
| Mountain Association for Community Econ. Dev. | Berea | Kentucky | 859-986-2373 | Kentucky |
| Community Ventures Corporation | Lexington | Kentucky | 859-231-0054 | Kentucky |
| Purchase Area Development District | Mayfield | Kentucky | 270-247-7171 | Kentucky |
| Small Business Assistance Corporation (Servicing Southeast GA, and Lowcountry SC) | Savannah | Georgia | 912-232-4700 | Georgia, South Carolina |
| Community Enterprise Investments, Inc. | Pensacola | Florida | 850-595-6234 | Alabama, Florida |
| Black Business Investment Fund Inc. | Orlando | Florida | 407-649-4780 | Florida |
| Partners for Self-Employment, Inc. Working Capital Florida | Miami | Florida | 305-438-1407 | Florida |
| Shenandoah Community Capital Fund | Staunton | Virginia | 540-213-0333 | Virginia |
| Kanawha Institute for Social Research & Action (KISRA) | Dunbar | West Virginia | 304-768-8924 | West Virginia |
| Mountain BizWorks | Asheville | North Carolina | 828-253-2834 | North Carolina |
| CommunityWorks | Greenville | South Carolina | South Carolina | |
| Access to Capital for Entrepreneurs | Cleveland | Georgia | 678-335-5600 | Georgia |
| Latino Economic Development Corp. | Washington | District of Columbia | 202-588-5102 | Maryland, Virginia, District of Columbia |
| Life Asset Inc. | Washington | District of Columbia | District of Columbia, Maryland, Virginia | |
| Maryland Capital Enterprises, Inc. | Salisbury | Maryland | 410-546-1900 | Maryland |
| ECDC Enterprise Development Group | Arlington | Virginia | 703-685-0510 | Maryland, Virginia, District of Columbia |
| People Incorporated Financial Services | Abingdon | Virginia | 276-619-2239 | Virginia, West Virginia, Tennessee |
| Community First Fund | Lancaster | Pennsylvania | 717-393-2351 | Pennsylvania |
| Women’s Opportunities Resource Center | Philadelphia | Pennsylvania | 215-564-5500 | Pennsylvania |
| Community First Fund – Philadelphia | Philadelphia | Pennsylvania | 267-236-7000 | Delaware, Pennsylvania |
| West Philadelphia Financial Services Institution | Philadelphia | Pennsylvania | 215-452-0100 | Pennsylvania |
| Enterprise Center Capital Corporation | Philadelphia | Pennsylvania | 215-895-4024 | Pennsylvania |
| TrueAccess Capital | Wilmington | Delaware | 302-652-6774 | Delaware |
| Bridgeway Capital | Pittsburgh | Pennsylvania | 412-201-2450 | Pennsylvania |
| Washington County Council on Economic Development | Washington | Pennsylvania | 724-225-8223 | Pennsylvania, West Virginia |
| Johnstown Area Regional Industries, Inc. | Johnsrown | Pennsylvania | 814-535-8675 | Pennsylvania |
| Assets Lancaster | Lancaster | Pennsylvania | Pennsylvania | |
| Adirondack Economic Development Corporation | Saranac | New York | 518-891-5523 | New York |
| Westminster Economic Development Initiative, Inc. | Buffalo | New York | 716-393-4088 | New York |
| Pathstone Enterprise Center, Inc. | Rochester | New York | 585-340-3385 | New York |
| REDEC Relending Corp. (REDEC/RRC) | Corning | New York | 607-962-3021 | New York |
| Neighborhood Community Development Fund | Pittsburgh | Pennsylvania | 412-322-0290 | Pennsylvania |
| Ascendus Inc. | New York | New York | 866-245-0783 | Connecticut, Delaware, Florida, Georgia, Maryland, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, South Carolina, Virginia |
| Community Capital New York, Inc. | Elmsford | New York | 914-747-8020 | New York, Connecticut |
| BOC Capital Corporation | Brooklyn | New York | 718-624-9115 | New York, New Jersey |
| Pursuit | New York | New York | 866-466-9232 | Connecticut, New Jersey, New York, Pennsylvania |
| Cooperative Business Assistance Corporation | Camden | New Jersey | 856-966-8181 | Pennsylvania, New Jersey |
| Trenton Business Assistance Corp. | Mercerville | New Jersey | 609-587-1133 | New Jersey |
| Grameen America, Inc. | New York | New York | 212-735-4057 | New York |
| Renaissance Economic Development Corporation | New York | New York | 212-964-6022 | New York |
| Mainestream Finance | Bangor | Maine | 207-973-3663 | Maine |
| Northern Maine Development Commission | Caribou | Maine | 207-498-8736 | Maine |
| Vermont Community Loan Fund, Inc. | Montpelier | Vermont | 802-223-1448 | Vermont |
| Community Capital of Vermont, Inc. (CCVT) | Barre | Vermont | 802-479-0167 | Vermont |
| Northern Community Investment Corporation | St. Johnsbury | Vermont | 802-748-5101 | New Hampshire, Vermont |
| Hartford Economic Development Corp. | Hartford | Connecticut | 860-527-1301 | Connecticut |
| New Bedford Economic Development Council, Inc | New Bedford | Massachusetts | 508-991-3122 | Massachusetts |
| South Eastern Economic Development Corp/SEED | Taunton | Massachusetts | 508-822-1020 | Massachusetts, Rhode Island |
| Rockingham Econ Dev Corp (REDC) dba Regional Econ Dev Ctr of Southern NH | Raymond | New Hampshire | 603-772-2655 | New Hampshire |
| Coastal Enterprises Inc | Brunswick | Maine | 207-882-7552 | Maine |
| Androscoggin Valley Council of Governments | Auburn | Maine | 207-783-9186 | Maine |
| Community Concepts Finance Corporation aka Community Concepts Inc. | South Paris | Maine | 800-866-5588 | Maine |
| North Central Massachusetts Development Corporation | Fitchburg | Massachusetts | 978-353-7600 | Massachusetts |
| Community Teamwork, Inc. | Lowell | Massachusetts | 978-459-0551 | Massachusetts |
| Dorchester Bay Neighborhood Loan Fund | Dorchester | Massachusetts | 617-825-4200 | Massachusetts |
| Jobs for Fall River Inc. | Fall River | Massachusetts | 508-324-2620 | Massachusetts |
| Corp. Financiamiento Empresarial del Comercio y Comunidades (COFECC) | San Juan | Puerto Rico | 787-756-5080 | Puerto Rico |
| Common Capital Inc. | Springfield | Massachusetts | 413-233-1680 | Massachusetts |
Frequently Asked Questions
Q: What is an SBA microloan?
A: An SBA microloan is a small business loan up to $50,000 provided through nonprofit, community-based organizations that act as intermediary lenders. These loans are designed to help startups, underserved entrepreneurs, and small businesses that may not qualify for traditional bank financing.
Q: What is an SBA-approved lender?
A: An SBA-approved lender is a bank, credit union, or financial institution authorized by the U.S. Small Business Administration to offer government-backed small business loans, including SBA 7(a), 504, and microloans. These lenders follow SBA guidelines to help small businesses access capital with favorable terms and lower down payments than traditional loans.
Q: How much can I borrow through an SBA microloan?
A: SBA microloans range from $500 to $50,000, with the average loan amount being approximately $13,000. The specific amount you can borrow depends on your business needs, creditworthiness, and the policies of the individual microlender.
Q: What can I use an SBA microloan for?
A: SBA microloans can be used for working capital, inventory or supplies, furniture or fixtures, machinery or equipment, and in some cases, refinancing debt. However, they cannot be used to purchase real estate or pay existing debts.
Q: What other resources are available for SBA loans?
A: Other resources provided by Bigger Bottom Line include:
Q: How do I get assistance in getting an SBA or other business loan?
A: Contact the experts! We can assist from advising which lenders to submit to all the way through to developing & submitting a complete business loan package and anything in between. Contact us now for a free evaluation.