The Oakland Restorative Loan Fund
0% interest, no fee small business loans from $10,000 – $100,000 are now available to businesses located in Oakland, California, through PCV’s Oakland Restorative Loan Fund. This special program is only available while funding lasts.
Small Business Loans
Does your small business need funds to increase inventory, expand or update your space, scale up for a new opportunity, purchase equipment, or make health and safety improvements for your customers and employees? Pacific Community Ventures can help.
We’re a mission-driven lender that provides fair and affordable loans up to $250,000 to California small businesses. Our loans help small business owners like you thrive, be successful, and create jobs in our communities. We’re here to help small business owners build back better from the COVID-19 pandemic, including the capital and advice needed to pivot or reopen safely and sustainably.
Our staff and financial advisors will get your small business’ finances in order, and as one of our small business loan borrowers you’ll get free access to our network of over 2,000 business advisors for help in any area you need, like marketing, business strategy, or sales. All of the areas that you may face challenges in as you grow your business. With a PCV small business loan, you’re not alone — we’re here with you.
Loan Qualifications
We don’t require a minimum credit score, and specialize in working with small business owners who’ve had a hard time accessing capital, like female entrepreneurs, immigrant entrepreneurs, entrepreneurs of color, and borrowers that may have been turned down for SBA or traditional bank loans. If you’re a California company that’s been in business for at least 12 months then we’d love to work with you!
Why Our Loans Are Different
Pacific Community Ventures is helping small business owners from the most vulnerable communities keep their doors open, create high-quality jobs, and build back better from the COVID pandemic. Pacific Community Ventures is also proud to be participating as a community lender in the California Rebuilding Fund.
Building a successful small business involves overcoming many challenges, and it’s even harder if you’re new to the country or don’t have money from your family to help you get started. We give entrepreneurs hope by helping you knock down structural barriers and arming you with resources, advising, and investment.
Good Jobs, Good Business
We know that business owners like you want to provide really good jobs for workers, but sometimes you’re not sure how to raise wages, add benefits, or engage employees in ways that make sense for your bottom line. The Good Jobs, Good Business Toolkit equips you with the practical tools and resources you need to offer good jobs in a way that balances the needs of the business with the needs of your employees. We have five areas that we consider part of a “good job,” and if you work with PCV, we actually pay you for every one of those areas that you improve on each year. We also have hundreds of expert advisors and business coaches who can help you implement strategies from Good Jobs, Good Business completely for free.
How It Works
As a nonprofit community investor, we’re more flexible than a bank, credit union, or the Small Business Administration. We make the loan process simple and straightforward.
We Care About You
We’ve been providing small business support to California communities for 20 years, and we want a personal relationship with each and every business owner we work with.
We Respond Quickly
We’ll give you quick response on your eligibility. Our loan officers will respond to your loan application within 48 hours, and guide you through the process.
With You All the Way
We provide one-on-one guidance during the application process and the entire time your business is paying back the loan, to ensure your long-term success.
Our Lending Networks
Keba Konte has demonstrated his commitment to creating good jobs for people in Oakland, California. In fact, over the years he’s created over fifty jobs through three enterprises. But, when he went to his bank to secure funding to open a new wholesale coffee roastery and cafe, he was turned down.