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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 welcome the chance to get to know you.
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 on your needs.
Loan range¹: $20,000 - $250,000+
Term: 36 - 60 months
One-on-one customer service
Interest Rate: 6.99% - 15.99%
Community Benefit Fee: 3% - 15%
APR²: 9%-36%
SBA community advantage
Financing with a guarantee from the U.S. Small Business Administration for new and existing businesses who would otherwise be ineligible for a term loan.
Loan range¹: $20,000 - $250,000+
Term: 12 - 60 months
Options for limited collateral
Interest Rate: Prime + 6% (simple annual)
Collateral is required
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
Interest Rate: 7% - 8.3%
Community Benefit Fee: 2% - 3%
APR²: 9% - 15%
Re-Open Express
Provides quick access to capital to help your business retrofit and purchase supplies to become compliant with health and safety requirements for COVID-19.
Loan range¹: $1,000 - $10,000
One-on-one personalized business and credit coaching and support
Unsecured loan
Interest Rate: 2.75% - 15%
Community Benefit Fee: 0% - 9%
APR²: 8% - 36%
Re-Start Recovery
Provides two months working capital based on 2019 average expenses. Available to small businesses that take appointments including doctors, dentists, hair, nails, car repair, etc. that are currently re-opened.
Loan range¹: $1,000 - $50,000
One-on-one customer service
Unsecured loan
Interest Rate: 2.75% - 17%
Community Benefit Fee: 0% - 15%
APR²: 5% - 36%
Term: 6 months interest only; 18 - 60 month repayment (up to 66 month term)
Where we fund
entrepreneurial dreams
