The RESTORE LA Fund
For Small Business Recovery
and Climate Resilience
Loans will be arranged or made pursuant to a California Finance Lenders Law License.
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In collaboration with our community partners, Pacific Community Ventures is proud to launch our RESTORE LA Fund for Micro & Small Business Recovery & Climate Resilience – a $3 million fund offering 3%, no-fee loans to small businesses who have experienced revenue declines due to the 2025 LA wildfires earlier this year, as well as the civic unrest and curfews imposed in June. Our small businesses are the backbones of our communities, and we believe that all should have fair and equal access to affordable capital and support services, income creation, and safe neighborhoods for our children and families.
As part of PCV’s Restorative Capital model, these affordable loans will include wrap-around technical assistance to ensure businesses are supported in the rebuilding and restoration process. PCV does not require a minimum credit score to apply.
PCV’s RESTORE LA Fund will provide small business loans ranging from $10,000 to $100,000 at 3% interest for Los Angeles communities impacted by wildfires, civic unrest, curfews, and related business disruptions in 2025. RESTORE LA loans have no fees, no closing costs, no credit score minimums, and no collateral requirements—all through a streamlined application process. Citizenship status is not required. By comparison, federal SBA disaster loans provide up to $2 million at interest rates starting at 4%, with more requirements, often creating barriers for many small businesses struggling to recover. PCV’s low-cost loans allow micro and small businesses to access patient working capital that’s more within reach, especially when going from immediate relief grants programs to medium to longer term recovery and growth.
Loan proceeds can be used for critical recovery activities, including but not limited to:
- Replacing damaged property or equipment
- Covering costs related to regulatory changes impacting operations
- Supporting worker retention and payroll expenses
- Addressing business interruption costs
- Managing insurance-related expenses
By combining flexible financing with expert guidance, PCV’s Restore LA Fund helps small businesses recover, rebuild, and create stronger, more resilient businesses that sustain livelihoods and family incomes in this challenging time in our communities. We aim to strengthen local economies by turning short-term recovery into long-term opportunity. Restore LA will also be PCV’s first place-based fund that provides access to our climate lending (at 5%, up to $500,000) and advising supports from the beginning, for those businesses looking to rebuild or grow more sustainably, increase energy efficiency and climate resilience in their business, reduce energy costs and create green jobs.
Loans will be arranged or made pursuant to a California Finance Lenders Law License.
Funding Partners
And generous anonymous supporters
What businesses are eligible?
- Business registered in California, with a business location in Los Angeles County, that have experienced revenue declines due to the 2025 LA wildfires, civic unrest, curfews, and related business disruptions in 2025
- Businesses that have generated revenue for at least 10 months
- Businesses generating sufficient cash flow to afford monthly loan payments
- Businesses that can show a recent history of paying bills or debt payments on schedule
What businesses are not eligible?
- Rideshare and transportation, real estate, cannabis, and non-profit enterprises
- Businesses based outside of Los Angeles county and not registered in California
- Businesses that have not generated revenue for at least 12 months
- Businesses reporting net losses
What can the loan funding be used for?
This funding is for entrepreneurs who want to grow or sustain their businesses and are ready to take on affordable debt to do so. By knowing how you plan to grow or sustain your business with the loan, you are creating the conditions for successful repayment. Here are a few examples of how funding can be used:
- Working Capital: Covering day-to-day expenses like rent and utilities, or payroll during slow periods
- Inventory: Buying bulk supplies to take advantage of discounts, purchasing raw materials, stocking up on inventory ahead of the holidays
- Upgrades: Repairing old equipment, buying new fixtures
- Expansion: Opening a second location, renovating a current store, hiring new employees, investing in a marketing campaign, building a website
Does this opportunity match your business needs?
PCV’s Los Angeles small business clients listed left to right: City Design Studio, Delphi Greek Restaurant and Bar, and Cafecita.
Frequently Asked Questions
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 Bob Porter, at rporter@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.
| Loan Size | $10,000 to $100,000 |
| Interest Rate | 3%, fixed |
| Fees | No application or closing fees |
| Term | 1 to 7 years |
| Interest-Only Period | 1 or 6 months |
| Payments | Loan payments due on 1st of every month |
| Prepayment penalty | None |
| Personal guarantee | Required from every owner of more than 20% |
| Source of Repayment | Business cash flow |
- Business tax returns for last three years (at least one tax return required if business is less than 3 years old)
- Year-to-date profit and loss statement
- Business debt schedule
- Three most recent business bank statements
- Personal tax return for the previous year
- Authorization to pull personal credit report
- 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, summarized below.
 Small Business Community Loan |
 Good & Green Loan |
 Contractor Capital Loan |
EcoBoost Loan |
| Who Should Apply: You’re looking to expand your business – hire employees, refurbish equipment, buy additional inventory, open additional locations, etc. |
Who Should Apply: Your company’s products and services help clients reduce energy usage, conserve natural resources, or achieve a positive environmental impact. |
Who Should Apply: You’re a licensed contractor hired by a city municipality to complete public works projects with environmental benefits. |
Who Should Apply: You are a small business looking to implement a project that reduces energy consumption, increases energy efficiency, or preserves natural resources. (Examples: installing solar panels, retrofitting appliances, or machinery) |
| Terms: • $10,000 – $500,000 • 8.75%, fixed rate • 1-month interest only • 1 -5 year term • 3.5% closing fee • No prepayment penalty • Personal guarantee from every owner of more than 20% |
Terms: • $10,000 – $500,000 • 5%, fixed rate • Up to 12 months interest only • 1 -7 year term • 2.5% closing fee • No prepayment penalty • Personal guarantee from every owner of more than 20% |
Terms: • $10,000 – $250,000 • Contract Based • 5%, fixed rate • Repaid from project proceeds • 2.5% closing fee • No prepayment penalty • Personal guarantee from every owner of more than 20% |
Terms: • $10,000- $500,000 • 5-7% fixed rate • 1-7 year term • 2.5% closing fee • No prepayment penalty • Personal guarantee from every owner of more than 20% |
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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.