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 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: $35,000 - $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 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%

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 range¹: 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

Where we fund
entrepreneurial dreams
Arizona, Colorado, Georgia, Nevada, New Mexico, North Carolina and Texas.
COVID-19 - We're here to help

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