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Small Business Loans and Microloans

PCV is a nonprofit lender that provides affordable small business loans from $10,000 to $200,000 to California businesses creating quality jobs in our local communities.

Our loans help small business owners like you thrive and be successful. In addition to quarterly meetings with a pro bono financial advisor, PCV small business loan borrowers can also get tailored business advice from our pool of 500+ 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 2 employees, then we’d love to work with you! We also 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.

See our rates and check your eligibility >

How PCV’s Small Business Loans Are Different

PCV works with small business owners in underserved communities. We’re more flexible than a traditional bank, credit union, or the Small Business Administration. We make the loan process simple and straightforward.  We’ll provide:

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    A personal relationship with your business

    Our CDFI has been providing small business support to California communities for over a decade, 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 — 48 hours.

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    Direct and frequent communication during the lending 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. Over 50% of our companies are female-owned, and 56% are owned by people of color. Meet some of our advised and funded companies!

See the map >

Our Lending Networks