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Small Business Loans

At Community First Fund, we know small businesses are the lifeblood of our economy and communities. Our Small Business Loans target both start-ups and established businesses poised for growth that are unable to secure financing from traditional banks.

We understand that every business is different. Our lenders will work with you to determine the lending and technical assistance options that best suit your specific needs and financial situation. Our Small Business Loans fall into two categories:


Microloans are for businesses that require less than $50,000 for start-up or expansion. They are a financing option for borrowers that don’t have access to other sources of capital. Borrowers are usually sole proprietors that have been in business for less than two years. Loan proceeds are generally used for machinery and equipment purchases, site improvements, working capital, inventory, materials and supplies, and expansion.

Our Philadelphia office offers a unique microlending group opportunity called Affinity Group Lending. To learn more, click here.

Small Business Loan

Small Business Loans are for projects that require more capital than a microloan can provide. Loan proceeds are generally used to support the increased capital needs of maturing businesses and may be used for such things as expanding or improving the business site, machinery and equipment purchases, working capital, inventory, materials and supplies, and expansion.

If you are applying for a loan through the Creative Business Loan Fund, please use the application below. Details about the Creative Business Loan Fund can be found here.

Community First Fund received funding from the Pennsylvania Council on the Arts, a state agency funded by the Commonwealth of Pennsylvania and the National Endowment for the Arts.

Community First Fund is an approved SBA Guarantee Lender. This program helps us limit exposure to loan default and allows us to approve riskier loans. The program provides a federal loan guaranty on your loan and helps reduce the loan risk. For more information on the SBA 7(a) program, Express, Community Express, and Patriot Express loan offerings, visit the U.S. Small Business Administration’s website.

Get Started

Apply for a Community First Fund Small Business Loan now!

Help us understand your financing needs by answering a few questions. It won’t affect your credit score! After completing the form, a Community First Fund Lender will contact you within two business days. All loans are subject to credit approval.