UPDATED: May 19, 2020

Additional funding for SBA Paycheck Protection Program (PPP) loans has been approved by the federal government.

DreamSpring is currently accepting applications for businesses in the states of New Mexico, Colorado, Arizona, Texas, and Nevada. For businesses in all other states, we recommend you apply with our partner using the button below.

Applications will be processed on a first-come, first-served basis, and funding is expected to go quickly. To ensure we can evaluate your loan request in a timely manner, we encourage you to apply for funding immediately.

Just 3 steps to your small business loan
Learn more about our offerings and apply today
Apply here


Step 1

Complete our application online, by phone, or in person

Step 2

Get a decision & customize your loan

Step 3

Get your funds in as little as 1 business day after approval

DreamSpring & partner 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.

SBA PPP loan

A forgivable loan, from the Small Business Administration, only offered when federal funds are available. Under this program, we are authorized to lend up to $250,000.

Loan range: 2.5x your avg. monthly payroll

2-year term; 6 months payment deferral

Fixed-interest pricing

Interest Rate: 1% for 6 months

Borrowers with an ITIN are not eligible

Credit Access

Startups or existing businesses with no credit or challenged credit history looking for business funding and coaching.

Loan range: $1,000 - $10,000

One-on-one personalized business and credit coaching and support

Unsecured options

Interest Rate: 0% - 24%

Community Benefit Fee: 15% - 20%

APR: 36%*

Presto loan

For startups or existing businesses looking for quick capital with a decision to fund in as little as one business day.

Loan range: $1,000 - $50,000

One-on-one customer service

Unsecured options

Interest Rate: 9% - 25%

Community Benefit Fee: 6% - 15%

APR: 15% - 36%*

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 range: $1,000 - $2,000,000

One-on-one customer service

Collateral required

Interest Rate: 6% - 19%

Community Benefit Fee: 4% - 11%

APR: 9%-24%*

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 range: $50,000 - $250,000

Term: 12 - 60 months

Options for limited collateral

Interest Rate: Prime + 6% (simple annual)

Credit score: 650+

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 range: $50,000 - $2,000,000

5-year term; 25-year amortization

Fixed-interest pricing

Interest Rate: 7% - 8.3%

Community Benefit Fee: 2% - 3%

APR: 9% - 15%*

Where we fund
entrepreneurial dreams
Arizona, Colorado, Georgia, Nevada, New Mexico, North Carolina and Texas.