Microloans

Are you a business owner in need of a loan? Do you want to establish credit, fix your credit, or improve your credit?

We are not like other banks. We are a community development financial institution (CDFI), which means we help low-income, Black and brown, and immigrant entrepreneurs gain access to low-cost capital and business coaching. We exist to help you!

See our terms sheet below to learn about our 3 loan products. While we try to support all small business owners, we ask that you please read the requirements below.

For more information about our loan services, contact norma@inclusiveaction.org or jacqueline@inclusiveaction.org.

Loan Product Terms Sheet

The Semi’a Fund (seed fund) is our microloan fund. It provides entrepreneurs access to affordable capital and business coaching to build their entrepreneurial skills and grow their businesses.

A Semi’a Fund loan is designed to support business owners who cannot secure capital from traditional lenders yet require support growing or formalizing their business. The fund was inspired by our advocacy work alongside street vendors. The Semi’a Fund offers four distinct loans to help meet entrepreneurs' needs and offer flexible options for accessing capital.

Since 2016 we’ve…

• 233+ entrepreneurs served

• $2.4M+ in loans deployed

• 6,000+ business coaching hours provided

• 97% of clients are BIPOC

• 63% immigrant-owned

• 57% women-owned

• Average loan size: $11,000

In accordance with federal laws and U.S. Department of the Treasury policy, this organization is prohibited from discriminating on the basis of race, color, national origin, sex, age, or disability. To file a complaint of discrimination, write to: U.S. Department of the Treasury, Director, Office of Civil Rights and Equal Employment Opportunity 1500 Pennsylvania Avenue, N.W., Washington, DC 20220; call (202) 622-1160; or send an e-mail to: crcomplaints@treasury.gov