Microloans

Microloans are designed for startups, entrepreneurs, and small businesses that may not yet qualify for conventional financing.

Fast, Flexible Capital to Launch & Grow Your Small Business

Our SBA Microloan program gives emerging and early-stage businesses access to capital up to $50,000 — ideal when you’re not yet ready for traditional bank loans but need working capital, inventory, equipment, or other essentials to grow and thrive.

Apply for Microloan

Why Choose a Microloan?

Small loan, big opportunity
Microloans are designed for startups, entrepreneurs, and small businesses that may not yet qualify for conventional financing — giving you a chance to build momentum without burdening your cash flow.

Flexible uses that support real business needs. From buying inventory and equipment to covering payroll, supplies, or working capital, these loans can help you marshal the resources your business needs now.

Personalized support from CIC
When you qualify for a Microloan, CIC includes free business coaching with a dedicated advisor to help you navigate the loan process, refine your business model, and position your company for long-term success.

Why a Microloan Works?

Microloans of up to $50,000 are funded through nonprofit intermediary lenders like CIC with backing from the Small Business Administration. These smaller-scale loans are crafted to be accessible, especially for startups and underserved business owners, with terms and requirements that reflect the realities of early-stage growth.

Unlike larger SBA loan products, microloans aren’t intended for real estate purchases or refinancing existing debt, but they are a powerful way to access working capital and invest in your business’s day-to-day needs.