\uc800\ud76c \ub300\ucd9c \uc0c1\ud488\uc774\ub098 \ud504\ub85c\uadf8\ub7a8\uc5d0 \ub300\ud574 \uad81\uae08\ud55c \uc810\uc774 \uc788\uc73c\uc2e0\uac00\uc694? \uc790\uc8fc \ubb3b\ub294 \uc9c8\ubb38(FAQ)\ubd80\ud130 \ud655\uc778\ud574 \ubcf4\uc138\uc694.<\/p>\r\n
Who’s Eligible for a Small Business Loan?<\/p>\r\n
Pacific Community Ventures supports small business owners with affordable loans to help sustain or scale their operations. To qualify for a loan, your business must meet the following required criteria:<\/p>\r\n
\ucd94\uac00 \uc815\ubcf4:<\/p>\r\n
\uc790\uaca9 \uc694\uac74\uc744 \ucda9\uc871\ud558\uc2e0\ub2e4\uba74, PCV\ub294 \uadc0\ud558\uc640 \ud611\ub825\ud558\uc5ec \uc2e0\uccad\uc11c\ub97c \uac80\ud1a0\ud558\uace0 \uc0ac\uc5c5\uc5d0 \ud544\uc694\ud55c \uc790\uae08\uc744 \ud655\ubcf4\ud558\uc2e4 \uc218 \uc788\ub3c4\ub85d \uc9c0\uc6d0\ud574 \ub4dc\ub9b4 \uae30\ud68c\ub97c \ud658\uc601\ud569\ub2c8\ub2e4. \ub354 \uc790\uc138\ud55c \uc815\ubcf4\uac00 \ud544\uc694\ud558\uc2dc\uba74 \ubb38\uc758\ud574 \uc8fc\uc138\uc694.<\/p>\r\n
\ub300\ucd9c\ud300\uc5d0 \ubb38\uc758\ud558\uc138\uc694<\/strong><\/a><\/p>\r\n \uc18c\uae30\uc5c5 \ub300\ucd9c\uc5d0\ub294 \uc5b4\ub5a4 \uc885\ub958\uac00 \uc788\ub098\uc694?<\/p>\r\n Pacific Community Ventures provides flexible and affordable small business loans from $10,000 to $500,000. The goal is to help you sustain a business that has a lasting impact on your community.<\/p>\r\n \ub300\ucd9c\uae08\uc740 \ub2e4\uc74c\uacfc \uac19\uc740 \uc6a9\ub3c4\ub85c \uc0ac\uc6a9\ud558\uc2e4 \uc218 \uc788\uc2b5\ub2c8\ub2e4:<\/p>\r\n PCV works with California business owners who want to grow responsibly and strengthen their long-term financial and operational stability. Ready to explore your options?<\/p>\r\n \ub300\ucd9c \ud504\ub85c\uadf8\ub7a8 \ud398\uc774\uc9c0\ub97c \ubc29\ubb38\ud558\uc5ec \uc790\uc138\ud55c \ub0b4\uc6a9\uc744 \uc54c\uc544\ubcf4\uc138\uc694.<\/strong><\/a><\/p>\r\n \uadc0\ud558\uc758 \uc870\uac74\uc740 \ubb34\uc5c7\uc785\ub2c8\uae4c?<\/p>\r\n Pacific Community Ventures’ loan terms are designed to be supportive of your business goals. Here’s what to expect.<\/p>\r\n \ub300\ucd9c \uc870\uac74:<\/p>\r\n \uae08\ub9ac:<\/p>\r\n \uc218\uc218\ub8cc:<\/p>\r\n PCV sets clear terms, so that you always know what to expect and can plan for long-term success. Want more details about which loan fits your needs? <\/p>\r\n Explore our loan options to learn more.<\/strong><\/a><\/p>\r\n \ub2f4\ubcf4\uac00 \ud544\uc694\ud558\uc2e0\uac00\uc694?<\/p>\r\n No. However, Pacific Community Ventures requires a personal guarantee from anyone who owns 20% or more of the business. This helps ensure shared responsibility, supporting the sustainability of our lending programs. <\/p>\r\n We also review credit for each owner with 20% or more ownership, but we do not have a minimum credit score requirement. <\/p>\r\n PCV’s goal is to make lending more accessible while protecting the resilience of our borrowers and their businesses. Want to learn more about the application process? <\/p>\r\n \ub300\ucd9c \uc2e0\uccad\uc744 \uc2dc\uc791\ud558\ub824\uba74 \uc800\ud76c \ub300\ucd9c \uc2e0\uccad \ud398\uc774\uc9c0\ub97c \ubc29\ubb38\ud558\uc138\uc694. <\/strong><\/a><\/p>\r\n \uc911\uc694: \ub300\ucd9c\uc740 \uce98\ub9ac\ud3ec\ub2c8\uc544 \uae08\uc735 \ub300\ucd9c\uc5c5\ubc95 \uba74\ud5c8\uc5d0 \ub530\ub77c \uc8fc\uc120 \ub610\ub294 \uc2e4\ud589\ub429\ub2c8\ub2e4. <\/em><\/p>\r\n \uc5b4\ub5a4 \uc11c\ub958\uac00 \ud544\uc694\ud558\uba70, \uadf8 \uc774\uc720\ub294 \ubb34\uc5c7\uc778\uac00\uc694?<\/p>\r\n When you apply for a loan, Pacific Community Ventures will ask for documents that help us understand your business’ financial state. These materials allow us to make fair, informed decisions to support your long-term business capital goals.<\/p>\r\n Here’s what you’ll need:<\/p>\r\n \uc774 \uc11c\ub958\ub4e4\uc744 \ubbf8\ub9ac \uc900\ube44\ud574 \uc8fc\uc2dc\uba74 \uc808\ucc28\uac00 \ub354\uc6b1 \uc6d0\ud65c\ud558\uac8c \uc9c4\ud589\ub418\uace0 \uc2e0\uc18d\ud558\uac8c \ub9c8\ubb34\ub9ac\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc2dc\uc791\ud558\uc2dc\uaca0\uc2b5\ub2c8\uae4c? \ucd08\uae30 \uc790\uaca9 \uae30\uc900 \uc591\uc2dd\ubd80\ud130 \uc791\uc131\ud558\uc138\uc694.<\/strong><\/a><\/p>\r\n \uc911\uc694: \ub300\ucd9c\uc740 \uce98\ub9ac\ud3ec\ub2c8\uc544 \uae08\uc735 \ub300\ucd9c\uc5c5\uc790\ubc95(California Finance Lenders Law)\uc5d0 \ub530\ub77c \uc8fc\uc120 \ub610\ub294 \uc2e4\ud589\ub429\ub2c8\ub2e4.<\/em><\/p>\r\n \uc774 \uacfc\uc815\uc740 \uc5b4\ub5bb\uac8c \uc9c4\ud589\ub418\ub098\uc694?<\/p>\r\n Applying for a Pacific Community Ventures loan is simple and secure. The process is designed to help you move forward with confidence and sustain your business with the support you need. Here’s what to expect.<\/p>\r\n 1\ub2e8\uacc4: \uc0ac\uc804 \uc2e0\uccad <\/strong> If you don’t see the email, check your junk folder. You can also contact us at lending@pcvmail.org<\/a> \ub3c4\uc6c0\uc774 \ud544\uc694\ud558\uc2dc\uba74.<\/p>\r\n 2\ub2e8\uacc4: \uac80\ud1a0 <\/strong> 3\ub2e8\uacc4: \uc81c\ucd9c <\/strong> We’ll also check the credit of anyone owning 20% or more of the business. There’s no minimum credit score, and we look at your overall financial story, not just a number.<\/p>\r\n 4\ub2e8\uacc4: PCV \uacb0\uc815<\/strong> We’re here to make the process clear and accessible every step of the way.<\/p>\r\n \uc2dc\uc791\ud560 \uc900\ube44 \ub418\uc168\ub098\uc694? Go to our loan application to begin.<\/strong><\/a><\/p>\r\n \uc911\uc694: \ub300\ucd9c\uc740 \uce98\ub9ac\ud3ec\ub2c8\uc544 \uae08\uc735 \ub300\ucd9c\uc5c5\ubc95 \uba74\ud5c8\uc5d0 \ub530\ub77c \uc8fc\uc120 \ub610\ub294 \uc2e4\ud589\ub429\ub2c8\ub2e4.<\/em><\/p>\r\n <\/p>\r\n Lenderfit \ub85c\uadf8\uc778 \uc815\ubcf4\ub97c \uc783\uc5b4\ubc84\ub9ac\uba74 \uc5b4\ub5bb\uac8c \ud574\uc57c \ud558\ub098\uc694?<\/p>\r\n If you lose your Lenderfit login, don’t worry. You can always get back into your account by following a few simple steps.<\/p>\r\n \ub3c4\uc6c0\uc774 \ud544\uc694\ud558\uc2dc\uba74 \uc800\ud76c \ud300\uc5d0 \ubb38\uc758\ud574 \uc8fc\uc138\uc694. lending@pcvmail.org<\/a>. We’ll make sure you can access your account and keep your application moving.<\/p>\r\n \ub2e4\uc2dc \ub85c\uadf8\uc778\ud560 \uc900\ube44\uac00 \ub418\uc168\ub098\uc694? Visit the Lenderfit login page to continue your application.<\/strong><\/a><\/p>\r\n What is “Good Jobs, Good Business”?<\/p>\r\n Good Jobs, Good Business helps you offer strong, resilient jobs while keeping your business sustainable. It’s a toolkit with practical guidance and resources to help you with wages, add benefits, and engage employees in ways that make sense for your business.<\/p>\r\n Ready to find out how the Good Jobs, Good Business toolkit can build your team? Take the Prioritization Quiz to get started<\/a>.<\/strong><\/p>\r\n What Does PCV Consider a ‘Good Job’?<\/p>\r\n A good job is one that helps employees feel secure, supported, and able to sustain their work and life balance and responsibilities while supporting your business. Pacific Community Ventures defines a good job using five dimensions. Jobs that meet at least three of the following attributes are considered good jobs:<\/p>\r\n \ud300\uc6d0\ub4e4\uc744 \uc704\ud55c \uc88b\uc740 \uc77c\uc790\ub9ac\ub97c \ucc3d\ucd9c\ud558\uace0 \ud0c4\ub825\uc801\uc778 \ube44\uc988\ub2c8\uc2a4\ub97c \uc720\uc9c0\ud558\ub294 \ubc29\ubc95\uc744 \ubc30\uc6b8 \uc900\ube44\uac00 \ub418\uc168\ub098\uc694? \uc800\ud76c\uc758 '\uc88b\uc740 \uc77c\uc790\ub9ac, \uc88b\uc740 \uc0ac\uc5c5' \ud234\ud0b7\uc744 \uc0b4\ud3b4\ubcf4\uc138\uc694.<\/strong><\/a><\/p>\r\n What Financial Benefits Are Tied to ‘Good Jobs’ in My Loan?<\/p>\r\n Pacific Community Ventures helps small businesses sustain growth by encouraging good jobs that retain employees and strengthen operations. Your loan includes financial incentives when you adopt ‘good jobs’ practices.<\/p>\r\n Here’s how it works:<\/p>\r\n \uc88b\uc740 \uc77c\uc790\ub9ac\ub97c \ucc3d\ucd9c\ud558\uace0 \uc0ac\uc5c5\uc744 \uc131\uc7a5\uc2dc\ud0a4\ub294 \ub370 \ud544\uc694\ud55c \ub3c4\uad6c\ub97c \ud65c\uc6a9\ud560 \uc900\ube44\uac00 \ub418\uc168\ub098\uc694? \uc88b\uc740 \uc77c\uc790\ub9ac\uac00 \uac00\uc838\ub2e4\uc8fc\ub294 \uc774\uc810\uc744 \uc54c\uc544\ubcf4\uc138\uc694.<\/strong><\/a><\/p>\r\n What if I’m Not Approved for a Loan?<\/p>\r\n If your loan application isn’t approved, Pacific Community Ventures will still help you sustain and grow your business. We want to see you succeed, so we’ll connect you to options and guidance.<\/p>\r\n \ub2e4\uc74c\uc740 \uba87 \uac00\uc9c0 \uc81c\uc548\uc785\ub2c8\ub2e4.<\/p>\r\n\r\n
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Start by filling out a short initial eligibility criteria pre-application. Tell us a few details about yourself and your business. If you meet our basic criteria, you’ll get an email with a link to our loan platform, Lenderfit. Use that link to create your account.<\/p>\r\n
Once you log in, you’ll see a checklist that walks you through what’s needed. Upload your documents and complete the first items on the list. Our team will review and quickly let you know if you’re eligible to move forward. You can message us directly through Lenderfit if you have any questions.<\/p>\r\n
If you’re eligible, we’ll ask for the following.<\/p>\r\n\r\n
We usually make a decision within three business days after reviewing your materials. If approved, we’ll guide you through the final steps to close your loan and get your funds.<\/p>\r\n\r\n
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