Small Business Loans
“Paying back to Pay it Forward”

“Paying back to Pay it Forward”
As a nonprofit organization, our goal is not about generating dollars, but about becoming a sustainable resource for our community driving positive change. We manage a Revolving Loan Program (available across Southern Arizona) where payments from each active loan are used to fund future loans. As borrowers make loan payments, they are investing in the success of future businesses and nonprofits just like them!
TYPES OF LOANS
Loan Amount: $500 – $10,000
Term: 1 – 5 years
Interest Rates: 8 – 10%
Loan Amount: $10,001 – $100,000*
Term: 1 – 5 years
Interest Rates: 8 – 10%
* In rare circumstances, we are able to lend more than $100,000.
Loan Amount: $500- $10,000**
Term: 1 – 5 years
Interest Rate: 0%
**Must identify as Black, Indigenous, or Person of Color (BIPOC) to be eligible.
WHAT TYPE OF LOAN IS FOR ME?
If you are interested in applying for financing, please fill out our inquiry / pre-application form. This will help us learn more about which product offerings might apply to you, and will ensure you don’t waste your time by filling out the wrong application.
Each type of loan has different requirements
For our Microloans and Standard Loans, we have different requirements depending on your form of incorporation and length of time in business.
WHY OUR LOANS ARE DIFFERENT
- Loan sizes to meet your small business needs - as small as $500 and as large as $100,000 with competitive interest rates
- A local team of nonprofit professionals that work for you - not on commission or volume performance bonuses
- Loan decisions made locally by the same people you meet and talk with
- Reduced interest rates for socially conscious businesses
- Flexible requirements – not having the right credit score, doesn’t mean you can’t get a loan.
- Knowledgeable staff who will explain the process in a way that you’ll understand, no matter your experience with applying for loans.
- Personalized support throughout the life of the loan
- Referrals to business education courses and resources for those who aren’t quite ready for their first loan.
- Business highlighted on our website and social media to get the word out about your business
- Spanish speaking staff – Se habla español
INFO VIDEO [IN ENGLISH]
VIDEO DE INFORMACIÓN [IN SPANISH]
HEAR FROM A PAST LOAN RECIPIENT!
For more information
If you are not ready to apply but would like to discuss the possibility of a loan or have questions, we are here to help!
Contact us at lending@cictucson.org or 520-529-1766 x222.