PCV Restorative Capital

Pacific Community Ventures is a mission-driven lender that provides up to $250,000 in affordable loans to California small businesses. We specialize in working with small business owners who’ve experienced difficulty accessing growth capital from other lenders.

Affordable Loan Options

💼 Small Business Community Loan	🌏 Good & Green Loan
Who Should Apply: You’re looking to expand your business-hire employees, refurbish equipment, buy additional inventory, open additional locations, etc.	Who Should Apply: Your company’s products and services help clients reduce energy usage, conserve natural resources, or achieve a positive environmental impact.
Terms: • $10,000 – $250,000 • 8.5% – 10%, fixed rate • 1-month interest only • 3 -5 year term • 3.5 – 5% closing fee • No prepayment penalty • Personal guarantee from every owner of more than 20%	Terms: • $10,000 – $250,000  • 5%, fixed rate • Up to 12 months interest only • 3 -5 year term • 2.5% closing fee • No prepayment penalty • Personal guarantee from every owner of more than 20%
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Loan Eligibility:

• Business based in California
• Business in operation and generating revenue for at least 12 months 
• Cash flow available to service proposed loan payments
• Loan proceeds used for working capital, equipment upgrades, expansion plans, investing in staff and marketing
• You do not operate in the following excluded industries: Rideshare, real estate, transportation, cannabis, non-profits

What to expect:

The Application Process:

Please take 5 minutes or less to tell us about yourself and your business. If you meet our initial eligibility criteria, you’ll receive a link to our loan application platform called Lenderfit. Please create an account in Lenderfit to begin the loan application process. Once you’re logged onto Lenderfit, you’ll see a checklist outlining all of the items required for submission. You can send any questions you have directly through the message feature on the Lenderfit portal. We look forward to working with you.

Documents Required:

• Loan application (Lenderfit)
• Business tax returns for last three years
• Year-to-date profit and loss statement
• Business debt schedule 
• Three most recent business bank statements 
• Personal tax return for previous year
• Credit authorization form

Ready to take the first steps?

Language Assistance: Español , Vietnamese , Tagalog

Loans will be arranged or made pursuant to a California Finance Lenders Law License.