DreamSpring products
DreamSpring works with a diverse group of business owners, each with unique needs and circumstances. We are often able to provide loans when traditional sources cannot. We have the flexibility to work one-on-one with your business, and we welcome the chance to get to know you.

#TrueGrit Growth Loan
The #TrueGrit Growth Loan, funded by a generous grant from Wells Fargo, supports entrepreneurs from diverse backgrounds on the road to recovery facing the Covid-19 crisis. With generous and flexible terms, this unsecured, low-interest, fixed-rate loan helps small business owners rebuild their businesses and position for long-term growth.

Fast Forward Project Loan
The 0% Fast Forward Project Loan helps project-based contractors in New Mexico and Texas get new initiatives off the ground. To qualify for this unsecured loan, funded by the U.S. Economic Development Administration, borrowers must submit a project’s total estimated cost and cost breakdown, a fully-executed contract, and profit projection.

Power Line of Credit
The DreamSpring Power Line is a fixed-rate, 24-month revolving line of credit that business owners can use to fund business needs and goals as they emerge during the course of normal business operations. The line is generally unsecured, but collateral can be applied for a potential interest rate discount.

Small Business Loan
For entrepreneurs just getting started, to established businesses looking to grow, we offer a wide range of term loan options that we customize based upon your needs.

SBA Community Advantage
Financing with a guarantee from the U.S. Small Business Administration for new and existing businesses that would otherwise be ineligible for a term loan.

Commercial Real Estate Loan
For experienced entrepreneurs looking to purchase a location for their business, we offer owner-occupied commercial real estate business loans.

Credit Starter Loan
DreamSpring's Credit Starter loan is an $500 interest-free loan designed to meet the unique needs of small business owners with limited credit history. Take control of your credit with an option that can help you establish credit and improve your financial health.

Credit Builder Loan
The Credit Builder loan provides an interest-free $200 loan designed to meet the unique needs of small business owners with a credit score below 600. Access funds for your next small business project without breaking the bank.
#TrueGrit Growth Loan
The #TrueGrit Growth Loan, funded by a generous grant from Wells Fargo, supports entrepreneurs from diverse backgrounds on the road to recovery facing the Covid-19 crisis. With generous and flexible terms, this unsecured, low-interest, fixed-rate loan helps small business owners rebuild their businesses and position for long-term growth.
Loan range: up to $10,000
Term: 24 months
Interest rate¹: 2.5% - 3%
Credit score: 600+
Community benefit fee: $0
APR²: max of 36%
¹Up to six months of interest-only payments to start repayment are available.
²Annual percentage rate (APR) is the cost of borrowing money expressed as an annual rate, including all interest and fees charged.
Fast Forward Project Loan
The 0% Fast Forward Project Loan helps project-based contractors in New Mexico and Texas get new initiatives off the ground. To qualify for this unsecured loan, funded by the U.S. Economic Development Administration, borrowers must submit a project’s total estimated cost and cost breakdown, a fully-executed contract, and profit projection.
Loan range¹: $2,500 to $10,000
Term: 1 to 3 months
Interest rate: 0%
Credit score: 650+
Community benefit fee: 2.25% - 3.5% (due at origination)
APR²: max of 36%
¹In certain states, minimum loan amounts may be greater than stated.
²Annual percentage rate (APR) is the cost of borrowing money expressed as an annual rate, including all interest and fees charged.
Power Line of Credit
The DreamSpring Power Line is a fixed-rate, 24-month revolving line of credit that business owners can use to fund business needs and goals as they emerge during the course of normal business operations. The line is generally unsecured, but collateral can be applied for a potential interest rate discount.
Line of credit range¹: $1,000 to $50,000
Revolving term: Up to 24 months
Interest rate: 15% - 26%
Credit score: 600+
Community benefit fee: 2% - 10% (due at origination)
APR²: max of 36%
¹In certain states, minimum loan amounts may be greater than stated.
²Annual percentage rate (APR) is the cost of borrowing money expressed as an annual rate, including all interest and fees charged.
Small Business Loan
For entrepreneurs just getting started, to established businesses looking to grow, we offer a wide range of term loan options that we customize based upon your needs.
Loan range¹: $1,000 - $250,000+
Term: 24-72 months
Unsecured options under $50,000
Credit score: 600+
Interest rate: 9.99% - 27.99%
Community benefit fee: 5% - 10%
APR²: 12.1% - 36%
Available in AL, AS, CA, CO, FL, FA, IA, IL, KS, LA, MI, MO, MS, NC, NE, NM, NV, NY (>$50k), OK, PA, SC, TN, TX, UT, WA, and WY
Individual taxpayer identification number accepted
¹In certain states, minimum loan amounts may be greater than stated.
²Annual percentage rate (APR) is the cost of borrowing money expressed as an annual rate including all interest and fees charged.
SBA Community Advantage
Financing with a guarantee from the U.S. Small Business Administration for new and existing businesses that would otherwise be ineligible for a term loan.
Loan range¹: $50,000 - $350,000
Term: 5 - 10 years
Options for limited collateral
Credit score: 650+
Interest rate: Prime + 6% (simple annual)
Collateral is required
Must be eligible to receive SBA-guaranteed financing
Available in AZ, CO, NM, NV, and TX
¹In certain states, minimum loan amounts may be greater than stated.
²Annual percentage rate (APR) is the cost of borrowing money expressed as an annual rate including all interest and fees charged.
Commercial Real Estate Loan
For experienced entrepreneurs looking to purchase a location for their business, we offer owner-occupied commercial real estate business loans.
Loan range¹: $50,000 - $2,000,000
5-year term; 25-year amortization
Fixed-interest pricing
Credit score: 650+
Interest rate: 6.75% - 9.25%
Community benefit fee: 2% - 5%
APR²: 9% - 15%
Must be 51% owner-occupied
¹In certain states, minimum loan amounts may be greater than stated.
²Annual percentage rate (APR) is the cost of borrowing money expressed as an annual rate including all interest and fees charged.
Credit Starter Loan
DreamSpring's Credit Starter loan is an $500 interest-free loan designed to meet the unique needs of small business owners with limited credit history. Take control of your credit with an option that can help you establish credit and improve your financial health.
Line of credit range: A $500 loan available to for business owners seeking to build credit history
Terms: 0% interest with a 6-month repayment
Community Benefit Fee: $25 to get the approved loan started
Successfully repay your Credit Starter loan to improve your credit and apply for additional funding
Easy process and quick approval
Credit Starter loans are not available in California, Georgia, Nevada, New Mexico, or New York.
Credit Builder Loan
The Credit Builder loan provides an interest-free $200 loan designed to meet the unique needs of small business owners with a credit score below 600. Access funds for your next small business project without breaking the bank.
Line of credit range: A $200 loan available to entrepreneurs who have a credit score below 600
Terms: 0% interest with a 6-month repayment
Community Benefit Fee: $10 to get the approved loan started
By making regular payments over six months, you can raise your credit score
Easy process and quick approval
Credit Builder loans are not available in California, Georgia, Nevada, New Mexico, or New York.
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