small business loan

Small Business Loans and Microloans

Does your small business need funds to increase inventory, expand or update your space, scale up for a new opportunity, purchase equipment, or add new jobs? We can help. Pacific Community Ventures can help. We’re a mission-driven lender that provides affordable loans from $10,000 — $200,000 to California small businesses. Our loans help small business owners like you thrive and be successful.

Our staff and pro bono financial advisors will get your small business’ finances in order, and as a PCV small business loan borrower you’ll also get free access to our pool of 700+ experts in any area you need, like marketing, business strategy, or sales. All of the areas that you may currently be facing challenges in as you grow your business. With a PCV small business loan, you’re not alone — we’re here to help.


Get Started With A PCV Loan


If you’re a California company that’s been in business for at least 12 months, and you’ve got at least 1 full- or part-time employee, then we’d love to work with you! 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.


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How PCV’s Small Business Loans Are Different


Small businesses create our jobs and make our communities unique, and yet small businesses struggle to access the capital and support they need to grow. Every day, 8,000 small business loan requests are declined by banks across America. PCV is different: As a community development financial institution (CDFI) we’re more flexible than a bank, credit union, or the Small Business Administration. We make the loan process simple and straightforward:

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    A personal relationship with your business

    Our CDFI has been providing small business support to California communities for over two decades, with a special focus on Bay Area communities like San Francisco, San Jose, Oakland, Richmond, and Hayward.

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    A quick response on your loan eligibility

    Our loan officers typically respond to new small business loan applications within 24  hours.

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    Frequent communication during the loan process

    We provide one-on-one expert business advising during the loan application process, and while your small business is paying back the loan. This hands-on approach to investing helps insure the long term success of your small business.


PCV Lending In Action


Meet Our Companies


Over the past decade, we’ve helped thousands of small businesses create tens of thousands of jobs. Our companies have shown job growth at eleven times the national average. 68% of our companies have a female owner, and 50% have a person of color as an owner. Meet some of our advised and funded companies!


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Our Lending Networks