The Restore LA Fund

PCV’s RESTORE LA Fund is a $3 million loan fund serving the Los Angeles small business community. The Fund offers flexible, patient loans featuring below-market rates and no fees to support small businesses facing fiscal recovery challenges in areas affected by the 2025 LA wildfires and related disruptions such as curfews and restricted activity imposed in June throughout the county. The program includes comprehensive pre- and post-loan technical assistance to ensure businesses are well-prepared and supported before, during and after the loan process.

Building on our successful Oakland Restorative Loan Fund, which provided 3% interest loans to underserved entrepreneurs, the RESTORE LA Fund aims to offer similar support in Los Angeles, where much of PCV’s current client portfolio is based. In Oakland, offering this low-cost disaster support was essential to helping long-time community members keep their homes and businesses in place, maintain workers, and recover again – all of which we have seen in our impact data following the launch of both funds to date. The RESTORE LA Fund will build on PCV’s proven model, combining access to restorative capital with pro bono business advising, to ensure entrepreneurs can recover with patient working capital, mentorship, and climate resilience support.

PCV will be partnering with local CDFIs and community organizations in Los Angeles for outreach and referrals, such as Inclusive Action for the City, TMC Community Capital, First Community Capital, Chinatown Service Center Lending, and AmPac Business Capital. If you would like to partner with PCV, please reach out to Chief Lending Officer Aben Hill at ahill@pcvmail.org.

No, we do not ask for immigration status in our loan application process, in compliance with fair lending laws. Our focus is on supporting small business owners and entrepreneurs, regardless of their immigration background. We evaluate applications based on business readiness, financial viability, community impact, and not immigration status.

PCV is partnering with Public Counsel to provide pro bono legal aid for any small business owners who need additional consultation or support – please feel free to reach them directly and let them know Pacific Community Ventures referred you or ask our team to connect you.

No, a Social Security Number is not required.

If we are not able to provide funding, we’re happy to refer you to one of our trusted community partners or other local CDFIs. We often collaborate with other networks of mission driven lenders and may be able to share your application with your consent to find a better funding fit. We can also refer you to our free Business Advising program to be matched with technical assistance support in a language that best supports you.

Yes. We understand that small businesses may need different sources of funding at various stages. We’re happy to work alongside other CDFIs and can coordinate to ensure you’re receiving the support you need.

Considering the current macroeconomic conditions, as well as the challenges being faced by many small business owners in the LA area as a result of the 2025 wildfires, public demonstrations, curfews and related business disruptions, we recognize the importance of determining if a loan adequately serves your current business needs.

Taking on a small business loan might not be advisable in certain circumstances. If you would like to meet with an advisor to discuss cash flow, address existing debt, analyze revenue growth patterns or to assess your financial stability, we strongly encourage you to work with a pro bono advisor through PCV’s Business Advising program. To access this support, connect with Daniel Wada, PCV Business Advising Manager, at dwada@pcvmail.org.

If you have been referred to the RESTORE LA Fund by one of our community partners, you can also work with the referring organization to receive technical assistance and determine if you are well positioned for a RESTORE LA loan or if there are other resources that would best serve you at this time.

The RESTORE LA Fund includes comprehensive technical assistance to help businesses prepare to apply for, and take on, a loan. To access this support, connect with Daniel Wada, PCV Business Advising Manager, at dwada@pcvmail.org. You can also read more about PCV’s Business Advising program here.

1. Business tax returns for last three years (at least one tax return required if business is less than 3 years old)
2. Year-to-date profit and loss statement
3. Business debt schedule
4. Three most recent business bank statements
5. Personal tax return for the previous year
6. Authorization to pull personal credit report
7. Loan application (questions about what your business sells, who it serves, opportunities/challenges, etc.)

To request translation services, please contact us at lending@pcvmail.org. Be sure to specify the language you need translation support for, your name, and the name of your business.

PCV offers other small business loan programs, please view our loan page for more information.

Complete the application here.

The goal of the RESTORE LA Fund is to assist in rebuilding the thriving local economy in Los Angeles after recent small business disruptions, including the 2025 wildfires, public demonstrations, and curfews. Together, we will do this by increasing access to low-cost capital and culturally relevant support that helps small businesses surmount their most critical needs including relief, recovery, and sustainability.

We designed the RESTORE LA Fund with feedback and input from valued partners and organizations who share our commitment to and deep investment in serving low-moderate income business owners. With the help of these incredible ecosystem partners, this capital will support entrepreneurs with working capital and mentorship to drive recovery, good jobs, and community-scale financial health in Los Angeles.

Loans will be arranged or made pursuant to a California Finance Lenders Law License.