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Economic Justice Fund
What We Do

Economic Justice Small Business Loans

We deliver financing solutions

Loans to meet a variety of needs for a variety of borrowers

The versatile Economic Justice Small Business Loan is designed to help underserved entrepreneurs start and grow their businesses. Loan amounts range from $1,000 to $50,000, and you can use the money for a wide range of business purposes.

We also offer the Sacramento Micro-Business Resiliency Loan to help local entrepreneurs navigate the economic challenges created by the COVID-19 pandemic.

  • Startup and working capital
  • Inventory aquisition
  • Equipment and machinery
  • Debt refinance
  • Leasehold improvements

Very Affordable.
Very Flexible.

Low Rates

Our interest rates are very competitive.

No Fees

There are no fees. No application fees, origination fees, servicing fees, or prepayment fees.

Flexible Terms

Loan terms range from 12 to 60 months. We work with you to determine the term that’s right for you.

Flexible Underwriting

We often say yes when banks say no. We even offer free development services to prepare you to apply.

It’s easy to apply

There are four simple steps:

  1. See if you are eligible
  2. Submit your initial loan request
  3. Submit your loan application
  4. Get Funded!

Borrowers Bill of Rights

The Economic Justice Fund is committed to abiding by the tenets of the Borrowers Bill of Rights developed by the Responsible Business Lending Coalition.

Common Questions

Am I eligible for an Economic Justice Fund loan?

Only borrowers and businesses located in California are eligible for an Economic Justice Fund Small Business Loan. In addition, you must be a U.S. citizen, permanent resident, or visa holder and must be 18 years old or older.

How much can I borrow?

You can borrow from $1,000 to $50,000 with the Economic Justice Small Business Loan.

What is the interest rate?

The interest rate on the Economic Justice Small Business Loan is well below what you would pay at traditional banks and most other lenders.

How much time will I have to pay back my loan?

The term will range from 12 to 60 months depending on the type and amount of your loan. We will work with you to determine the term that is appropriate for you.

What fees will I have to pay?

The Economic Justice Small Business Loan has no fees of any kind as long as you make your payments on time. You will pay no loan application fees, no loan origination fees, no servicing fees, and no fees if you pay off the loan early.

Will applying affect my credit score?

Submitting the initial loan request will not affect your credit score. However, if you submit the full application for an Economic Justice Small Business Loan, we will need to check your credit report, which may affect your credit score.

Economic Justice Fund is a U.S. Treasury Department emerging Community Development Financial Institution. Loans will be made or arranged pursuant to the California Department of Corporations Finance Lenders License #6089475. All loan applications are subject to credit approval. Pricing and terms are subject to change.