Business Loans

Business loans from SNAP Financial Access: lending + training = success.

Looking for a business loan, but can’t get bank financing? We can help!

 Starting a business can be risky and expensive, and successful businesses still struggle to get the capital they need to grow.

SNAP Financial Access is a nonprofit Community Development Financial Institution (CDFI) and an SBA micro-lender that helps entrepreneurs with financing when they can’t get all or part of what they need from a bank.

Our business loans can be used for startup costs, existing business purchases, real estate, equipment purchases, working capital, debt restructure, and more. Unlike other lenders, we are here for you through and past the life of your loan. With our ability to provide technical assistance and continuing education, you can feel confident knowing you’ve got a local ally on your side.


We offer classes to help your business start strong and thrive.


Get one-on-one business advice every step of the way.


A compassionate SBA lender for every stage of business development.

We’ll Be There Every Step of the Way

SNAP Financial Access will work with you to ensure your business plan and materials are put together so that the commercial loan process goes smoothly.

Prepare your business plan and financial statements

Start gathering your required documents (see list below).
Need a business plan review?
We’ve got you covered.


Our team reviews your documents

Complete our simple on-line forms and our team will advise on next steps.


Apply for your loan

Submit your application and we will reach out if any additional information is necessary.


Final Steps

We present your application to our review committee. If you aren’t approved, we would love to help you strengthen your business and apply again in the future.

Business Loans


Get funding to start your new business or expand your existing business.

You can apply for a small business loan (in amounts ranging from $500-$150,000) to help with start-up or expansion costs through SNAP Financial Access and our partners.

We are much more flexible than a bank, but we still give you consideration to your plan, your work history, your credit history and your collateral when making lending decisions.

Get Prepared for your loan

I’m interested in preparing for a commercial loan: business plan, financial projections, financial statements, and credit.


Materials Required for Your Loan

SNAP Financial Access will work with you to ensure your business plan and materials are put together so that the commercial loan process goes smoothly. Please compile the necessary documents prior to meeting with your loan counselor.

Gather these materials to help your loan process go smoothly after pre-qualification. The factors below are general indicators of loan readiness, typically looked at by financial institutions like us, as well as required documentation needed to process your loan and provide pre-loan counseling.

Start-Up Business

  • Business Plan (use one or more of the following)
    1. Completed Business Plan
    2. Don’t have a business plan? Meet with an expert or take a business planning workshop.
  • Collateral
  • Bad Credit? Supply the reason why
  • Down Payment (20-25% is typical)
  • Financial Projections for 24-36 months
    1. Ensure these are based in the typical industry or sector standards.
    2. Will your business’s projected revenue support your business and any other debts in 12 months?
  • The resume(s) of anyone owning 20% or more of the business
  • Your personal tax returns for the last 2 years
  • Recent mortgage statements (if applicable)
  • Documentation of the value of significant personal assets (if applicable)
  • Your personal bank statements for the past 2 months
  • Your Personal Financial Statement
  • Basic personal and business info, to include:
    1. Loan purpose, amount, type and length of repayment
    2. Use of your loan
    3. Estimates of funds in your bank and retirement accounts
    4. Monthly salary and/or other income
  • Monthly debt payments, including mortgage, rent, student loans and/or credit cards
  • Bad credit? Take a class on improving your credit.

Established Business

  • Business Plan
  • Business Financials in your format, or use ours. Also include:
    1. Current Balance Sheet
    2. Year-to-date Profit & Loss Statement
    3. Tax Returns (last 2 years, business and personal)
    4. Demonstration of enough revenue to support operations and debts
  • Operating Agreements
  • Licenses
  • Collateral
  • Bad Credit? Supply the reason why
  • Down Payment (20-25% is typical)
  • Your Personal Financial Statement
  • Bad credit? Take a class on improving your credit.
  • Basic personal and business info, to include:
    1. Loan purpose, amount, type and length of repayment
    2. Use of your loan
    3. Basic information?anyone owning 20% or more of the business
    4. Any additional household income
    5. Monthly debt payments

About Our Loans

SNAP Financial Access is a compassionate lender committed to supporting ventures at every stage of development through business loans and practical support.

  • We offer loans ranging from $5,000 to $150,000.
  • We are a compassionate lender. The 5 C’s of Financing allow us to be more flexible with our funding than traditional lenders. In fact, 99% of our clients are business owners who are ineligible for commercial bank loans at this time. That means they’ve been turned down by a bank, but still have the capacity to meet our “5C’s” criteria.
  • Unlike credit cards, cash advances, or other types of high-interest or predatory loans, we work with you to ensure you have the right loan at the right rate that you are able to pay back – without getting into deeper debt.
  • We exist to fund women, veterans, communities of color, immigrants, LGBT, disabled, and other traditionally under-banked entrepreneurs.

Funding can be used for:



Working Capital

Commercial Real Estate

Furniture & Fixtures

Debt Restructuring


Step 1 of 3

Business Coaching


We deliver coaching for all aspiring, new, and established business owners who come to us.

Sometimes you really need to talk with an advisor who can support you and help point you in the right direction. We partner with you to provide the tools and resources you need to successfully run a business. We provide free consulting.

Entrepreneurship can be daunting and challenging, and this is why each session is uniquely tailored to your needs. We are here to help breakdown overwhelming tasks into manageable milestones and deadlines.

Contact a Business Advisor

Business coaching sessions can be held in-person, over the phone, or via video conferencing.

  • Navigating the start-up process.
  • Creating a business plan and financial projections.
  • Funding options that are unique to your circumstances.
  • Drafting loan packages and presentation for potential lenders and investors.
  • Identifying new growth opportunities in your existing business.
  • Managing business profitability.
  • Discovering additional learning opportunities.
  • Connecting to community resources and networking opportunities.
Note: While coaches can help with a wide variety of business topics, they CAN’T provide tax or legal advice, do bookkeeping for you, or write your business plan for you.

Sharpen your skills for success