East Bay Access to Capital

Nonprofit Loans

A variety of nonprofits in the region provide loans to startup enterprises, existing businesses, other nonprofits and social enterprises. Several nonprofits also provide alternative funding sources than traditional commercial loans for banks. This is especially useful for entrepreneurs that have little or bad credit, unfamiliarity with banking systems or have been denied by a traditional lender in the past. The nonprofits on this list are located in various Bay Area regions and serve East Bay companies.

Pacific Community Ventures

PCV provides affordable small business loans ($50,000 – $200,000) to Bay Area businesses that are creating quality jobs in local communities. Our loans help small business owners thrive and be successful. In addition to quarterly meetings with a financial advisor, PCV small business loan borrowers can also work with free expert small business advisors in a variety of areas, such as marketing, HR and operations. We also specialize in working with small business owners who’ve had a hard time accessing capital, like female and minority borrowers, and borrowers that may have been turned down for SBA or traditional bank loans.

Emergency Loan Fund (ELF)

The organization provides emergency funds for nonprofits in the Bay Area who are in jeopardy of closing their businesses due to cash-flow issues. ELF loans are short-term, low-interest loans up to $5,000. Small grants of $5,000 are also available for technical assistance to build sound financial infrastructure strategies. The emergency loan program is a collaborative effort of the members of the Northern California Grant makers.

Opportunity Fund 

The Opportunity Fund is a nonprofit financial institution that provides microenterprise loans, business strategy advising and personal savings programs. The program is dedicated to serve low-income entrepreneurs who need a small loan to start their business. The average microloan provided by the fund is $10,000. Interest rates are fixed at 8-12%. Business owners must live in the Bay Area, develop a financial plan and own an existing business.

Northern California Community Loan Fund

The organization provides four loan types to alleviate poverty and economically revitalize distressed communities in northern California. The affordable housing loan provides funds to develop affordable housing projects. The program funds housing production from acquisition, pre-development and construction. Community facility loans provide funding for human service agencies to construct facilities or aqcuire existing locations for nonprofit space. Economic development loans are dedicated to produce jobs, wealth and economic stability in neighborhoods. This is achieved by investing in worker owned cooperatives, human development and small business incubators. Credit lines are sourced for community nonprofits requiring increase cash flows. 

Beneficial State Bank 

The bank is a triple bottom line institution with an affiliation to a nonprofit foundation. The bank focuses on economic justice and environmental sustainability through investments on transformative sectors. This includes projects in affordable housing, sustainable food, low income community economic development, clean tech, women and minority owned businesses, resource efficiency and recycling efforts. The bank provides credit to businesses and nonprofits to foster entrepreneurial activity.

Renaissance Entrepreneurship Center

The center provides loans for low to moderate income women and men to start and grow their businesses. Specific services including packaging loans, loan consultation and credit repair training workshops. Loans from the center range from $2,000 to $500,000.

TMC Working Solutions

The agency provides loans ranging from $5,000 to $25,000 to startups or existing businesses. Startups must have a business plan, have significant experience in the same industry, have a secondary source of income and make an equity injection of 20-30% into the business.

OBDC Small Business Finance

The center provides loans to local existing businesses as well as startups with industry experience. Loans are also available for special programs including the Green Business Loan Fund for Certified Businesses and Community Development Certified (CDC) nonprofits. Specials loans are available for businesses operating in seven community development districts in Oakland. Loans amounts range from $5,000 to $249,500 for Oakland community development districts. Loans within Contra Costa, Solano and Alameda Counties range from $5,000 to $35,000.


Financial assistance is prioritized for minority and women owned businesses and companies located in low income communities. Loans are available for nonprofit organizations providing childcare programs or perform community lending activities. Loans range from $50,000 to $500,000.

The San Francisco Foundation

The foundation combines assets from endowment sources and donor investments to provide loans and other financing tools to nonprofits and social enterprises in the region. The loans are granted with a low interest rate and provide a viable financing option for organizations to grow and innovate.

Working Solutions

The organization provides microloans for local startups and existing businesses located in all nine counties in the Bay Area. To qualify for a loan, a business owner or entrepreneur must have been declined a loan from a bank, have at least 1 year of recent, paid, same-industry experience, current on their personal credit obligations, be a U.S. citizen and 18 years or older, provide a guarantee on the loan and be committed to receiving ongoing business coaching and mentoring. The loans range from $5,000 to $50,000 and operate for five year loan terms. Interest rates range from 8-10%.


Nonprofit organization with a mission to connect people through lending to alleviate poverty. Kiva works with microfinance institutions to provide loans to people without access to traditional banking systems.

Kiva Zip

Kiva Zip is a pilot program launched by Kiva to allow lenders to provide funds directly to entrepreneurs. The program is being piloted first in the United States and Kenya. Entrepreneurs can pitch their businesses online and attract investment from lenders across the internet in a similar format to crowdsourcing. 

Bay Area Capital Commercial Loans

The organization is dedicated to assist nonprofit entities looking to purchase commercial real estate. The organization has strong relationships with local and regional banks that specialize with partnering with nonprofit groups. The loans range from $300,000 to $2,000,000 and have five year fixed interest rates. The recipient organization must be located on the west coast.