CIC Small Business Loans
Pay It Back to Pay It Forward
Our Revolving Loans Make a Difference In Our Community
CIC is a non-profit on a mission to empower our community, not chase profits. That’s the idea behind our revolving Small Business Loan program – it’s like a self-fueling engine for businesses and non-profits like yours!
Our programs provide funding to grow your local business. As borrowers repay their loans, that money gets reinvested, creating a continuous cycle that keeps supporting new ideas in our community. By participating, you’re not just getting a loan, you’re becoming part of a movement. Your loan repayment directly helps future entrepreneurs and organizations flourish. It’s a win-win for Southern Arizona’s progress and development.
CIC Small Business Loans
Our Small Business Loans support entrepreneurs with the funding they need to grow.
Loans ranging from $500 to $100,000 can be used for a variety of business needs, whether you’re purchasing equipment or inventory, making property improvements, refinancing high-interest debt, or needing working capital.
Product: | Term Loan |
Time in Business: | Over 6 Months |
Loan Amount: | $500 – $100,000 |
Loan Term: | 1 – 5 Years |
Interest Rate: | 6.5% – 10% Interest |
Fees: | One-time fee depends on the loan amount + any 3rd party fees |
Processing Time: | 1 – 2 Months |
Payment Type: | Fixed Payment |
Collateral Required: | Yes |
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
Application process
Not ready to apply, and need a little extra support?
Contact us directly at lending@cictucson.org or call (520) 529-1766 with any questions.
Our team offers bilingual support, personalized one-on-one guidance, and relationship-centered assistance to help you understand your business finances, strengthen your loan readiness, and navigate capital options with confidence. We regularly visit our clients throughout Southern Arizona, provide free classes and technical assistance, and can connect you with a wide network of community partners and resource referrals. No one should have to build their business alone.
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ADDITIONAL RESOURCES FOR SMALL BUSINESS OWNERS
What Our Clients Say About Working with CIC
Proud Partner of the Arizona Office of Economic Opportunity's Microbusiness Loan Program
We are grateful to participate in the Arizona Office of Economic Opportunity’s Microbusiness Loan Program, fueling our impact in supporting Arizona’s smallest businesses with the funding they need to grow – and thrive.
“Small businesses are the backbone of Arizona’s economy.” – Governor Katie Hobbs