Grow Your Small Business Today!
Small Business Loans
Opportunity Fund helps small businesses grow and maintain their business. We are a non-profit lender that has lent more than $19.5 million to small businesses throughout California. With offices and loan officers located throughout the Bay Area, Opportunity Fund lends to Northern California small businesses, targeting those located in San Francisco, Alameda, Santa Clara, and San Mateo counties. Opportunity Fund also deploys small amounts of capital to businesses in need in Southern California through a unique partnership with Financiera Confianza in Los Angeles.
We provide an alternative source of capital for small business owners turned down by banks and who do not want to borrow on credit cards. We look beyond the numbers and your FICO score as well as provide free business advising, improve your credit and help you become bankable in the future. Opportunity Fund lends on your merit, not just your credit.
Our typical clients are small businesses with more than 1 year in business that generate enough business income to support all expenses, have good or mixed credit, and cannot qualify for a conventional bank loan. We lend to home-based businesses such as contractors, landscapers, carpet cleaners; retail-based service such as auto repair shops, hair salons, drycleaners and chiropractors; retail stores such as wedding stores and neighborhood markets; and industrial or light manufacturing businesses.
Opportunity Fund has received funding from the SBA and the American Recovery and Reinvestment Act to help provide access to capital to small business owners.
Loan Details
Loan Amounts
Small loans from $1,000-$100,000
Fixed Interest Rates
8% - 12%
Loan Fees
5% or less (included in loan amount)
Loan Terms
1–7 years
Loan Collateral
Little or no collateral requirements
Repayment Process
Simple and easy
Do you need a small business loan? Do you have good cash flow but still get denied by banks?
Opportunity Fund can help.
Success Story
Gloria wanted to remodel her business, but her credit score had taken a hit when she took out many lines of credit to start her business. Thanks to a loan from Opportunity Fund, Gloria's business has grown and she has built a reliable reputation. She now feels confident enough to hire an assistant to manage the store while she works a few days a week as a firefighter in Oakland.
Credit Building
Yes! (Reported to Experian, Trans Union & Equifax)