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 SBA microlender committed to helping entrepreneurs secure financing.

Our business loans can be used for startup costs, existing business purchases, real estate, equipment purchases, working capital, debt restructuring, 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.

P.J. Ellis

P.J. Ellis

Business & Residential Lender

About P.J.

Fueled by the desire to move capital into underserved communities, P.J. joined SNAP Financial Access as a business lender in June of 2023 after completing an MBA at Whitworth University. You will find him assisting customers with business plans and cash flow projections, assembling loan proposals, and doing outreach in the community. He desires to make the loan process more efficient and is ready to assist you!

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.

Tell us About Your Business

Share your business plan and financial statements. Haven’t established a formal plan yet? We’ve got you covered.


SFA Assessment

The SFA team will review and advise on what steps you should take next.


Personalized Training

Whether or not you’re ready to apply, we provide training and consulting in the knowledge you need to help your business thrive.


Apply For Your Loan

Whether or not you’re approved on the first try, we’ll stay committed to preparing your business for future success.

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.

We are much more flexible than a bank– we give you consideration to your plan, your work history, your credit history and your collateral before 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 coaching for aspiring, new, and established business owners.

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 is challenging, and each session is uniquely tailored to the challenges you are facing. We are here to help break down 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 presentations 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