DreamSpring Loan 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 with generous and flexible terms. This low-interest, fixed-rate loan helps small business owners strengthen their businesses and position them for long-term growth.*

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.*

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.*
#TrueGrit Growth Loan
The #TrueGrit Growth Loan, funded by a generous grant from Wells Fargo, supports entrepreneurs from diverse backgrounds with generous and flexible terms. This low-interest, fixed-rate loan helps small business owners strengthen their businesses and position them 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.
*To provide the best rates and terms for our clients, DreamSpring may require collateral for loan approval.
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.*
Line of credit range¹: $1,000 to $50,000
Revolving term: Up to 24 months
Interest rate: 15.75% - 26.75%
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.
*To provide the best rates and terms for our clients, DreamSpring may require collateral for loan approval.
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
Credit score: 600+
Interest rate: 10.74% - 30.74%
Community benefit fee: 5% - 10%
APR²: 14.1% - 36%
Available in AL, AZ, CA, CO, FL, GA, IA, IL, KS, LA, MI, MO, MS, NC, NE, NM, NV, NY (>$50k), OH, 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.
*To provide the best rates and terms for our clients, DreamSpring may require collateral for loan approval.
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
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.
*To provide the best rates and terms for our clients, DreamSpring may require collateral for loan approval.
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: 7.5% - 14.25%
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.
*To provide the best rates and terms for our clients, DreamSpring may require collateral for loan approval.
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