We’re so glad you’re here at DreamSpring. Let’s make your small business dreams a reality today!

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    We're here to provide the funds you need — quickly and easily.

    Whether you’re just starting out or growing your small business, access to capital is key to your success. With a range of loan products and sizes, technology to streamline the application process, and a dedicated team to help you understand your options, we offer small business loans that work for you.

    What makes DreamSpring different?

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    Our mission is at the heart of our lending.

    Every day, we work to increase access to business credit, make loans, and provide training and support that help entrepreneurs to realize their dreams and be catalysts for positive economic and social change.

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    We care about your small business.

    We offer loans to strengthen your business and build your credit, and our team can connect you to business advisors, subject-matter experts, and entrepreneurial resources. Our secure application verifies your identity and makes it easy to upload needed documentation, request funds, and receive a decision.

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    Your financial health is our priority.

    If you recently received a DreamSpring loan, we will take this under consideration during the underwriting process. We want to ensure your financial health and small business success.

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    Am I ready?

    You're not alone.

    We understand applying for a loan can be a big decision, and we’re here to make it as easy as possible. Our online process allows you to complete the application with ease, and our team is available to answer questions, review your options, and provide support along the way.

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    You have questions.
    We have answers.

    Our Help Center provides answers to commonly asked questions about our loan process. Here you’ll find information about documentation, qualifications, and your rights as a small business owner.

    Help Center >

    Will I qualify?

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    We want to help your business grow.

    To qualify for a DreamSpring loan, you must meet the following eligibility requirements.

    • Be over the age of 18.
    • You must have a Social Security Number (SSN) or Tax Identification Number (ITIN).
    • Want to start or grow a business. (We don't offer personal loans.)
    • Business must be located in one of the states we serve: Alabama, Arizona, California, Colorado, Florida, Georgia, Illinois, Iowa, Kansas, Louisiana, Michigan, Missouri, Mississippi, Nebraska, Nevada, New Mexico, New York, North Carolina, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Washington, and Wyoming.
    • For return applicants, recent DreamSpring loans will factor into our decisioning.

    • Learn about the documents you'll need for your application. 

    What products does DreamSpring offer?

    We have a loan for you.

    With affordable rates, clear terms, and flexible products, we have a loan product for you. Our term loans range from $1,000 to $2,000,000 and we also have lines of credit to provide the type of funding you need.

    Power Line of Credit

    The DreamSpring Power Line is a fixed-rate, up to 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.*

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    • Line of credit range¹: $1,000 to $100,000
    • Revolving term: Up to 24 months
    • Interest rate: 9.99% to 18.74%
    • Credit score: 600+
    • Community benefit fee: 4% to 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.

     Effective July 20, 2024 DreamSpring offers uncollateralized options for applicants seeking less than $20,000 and with credit score above 650.
     
     
    Learn More About Our Power Line of Credit Loan

    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.*

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    • Loan range¹: $1,000 to $250,000+
    • Term: 24 to 72 months
    • Credit score: 600+
    • Interest rate: 9.99% to 18.99%
    • Community benefit fee: 2.5% to 10%
    • APR²: 7.58% to 21.95%
    • 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.

    Effective July 20, 2024 DreamSpring offers uncollateralized options for applicants seeking less than $20,000 and with credit score above 650.

     

     

    Learn More About Our Small Business Loan

    Ready, Set, Grow! Loan

    For entrepreneurs who want to turn a passion project or side hustle into a full-fledged small business.

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    • Loan range: Up to $15,000
    • Terms: Up to 48 months
    • Credit score: 640+
    • Interest rate~: 7.99% – 18.99%
    • Interest rate reduction of 2% after 12 months of on-time payments
    • Kansas City Limited-Time Offer: Kansas City entrepreneurs can lock in a fixed 7.99% interest rate and 7% Community Benefit Fee
    • Initial APR Range is 11.86% to 24.66%, APR as low  as 10.55% in Kansas City~

    *To provide the best rates and terms for our clients, DreamSpring may require collateral for loan approval.

    Effective July 20, 2024 DreamSpring offers uncollateralized options for applicants seeking less than $20,000 and with credit score above 650.

    Apply Now

    SBA Community Advantage 7(a) Loan

    Financing with a guarantee from the U.S. Small Business Administration to help new and existing small business owners access capital.*

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    • Loan range¹: $50,000 to $350,000
    • Term: 5 to 10 years
    • Credit score: 640+
    • Interest rate: 10.99% +
    • 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.

    + Rates and terms are subject to change without notice. Publish Date: 10/09/25

    Apply Now

    Commercial Real Estate Loan

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

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    • Loan range¹: $50,000 to $2,000,000
    • 5-year term; up to 20-year amortization
    • Fixed-interest rate pricing
    • Credit score: 650+
    • Interest rate: 7.5% to 10%
    • Community benefit fee: 2% to 5%
    • APR²: 7.76% to 14.24%
    • Must be 51% owner-occupied
    • 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.

     
    Apply Now

    How do I apply?

    Let's get started.

    You can start our online loan application securely from your computer or mobile device. From there, you’ll share information about you and your small business. Based on the information you share, we’ll provide a decision with rates, terms, and details. You can finalize the loan process and sign your loan documents online, or connect with a DreamSpring Loan Officer any time. We’ll then send the money you need for your business!

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    What documents are required for a DreamSpring loan application? 

    Getting ready to apply? Depending on the amount you're requesting, we'll need different documents to complete your loan application. Check out the lists below to prepare ahead of time. If you have questions or want to connect with a lender, we're happy to help. Contact us! 

    All loan applications require the following: 

    • A valid photo ID 
    • A “selfie” photo of you holding your photo ID 
    • Your most recent personal tax return  
    • Your three most recent months of personal and business bank statements 
    If you're applying for more than $50,000, we’ll also need: 
    • Your two most recent paystubs (if relying on wage income for cash flow)  
    • Your three most recent years of complete personal tax returns 
    • Your three most recent years of complete business tax returns (as many years as possible if your business is less than three years old) 
    • By-laws, Operating Agreement, or Partnership Agreement AND Articles of Organization/Incorporation 
    • A business plan and three years of financial projections (if you're a startup) 
    • Year-to-date financial statement (if applying after April 15 of the current year) 
    For loan requests between $15,001 and $50,000, we’ll also need: 
    • Your two most recent paystubs (if you earn wage income) 
    • Your two most recent years of complete personal tax returns 
    • Your two most recent years of complete business tax returns, including all K-1s (if using business income for repayment) 
    • A personal financial statement (if available) 
    • Articles of Organization/Incorporation 
    • Year-to-date financial statement (if applying after April 15 of the current year) 
    • If a current year-to-date financial statement is not available, your third most recent tax return will be required 
    For loan requests $15,000 and less, we’ll also need: 
    • Your two most recent paystubs OR your most complete personal tax return 
    • Your most recent business tax return 
    • Year-to-date financial statement (if applying after April 15 of the current year)  
    • For requests $10,000 or less: Your three most recent months of personal and business bank statements can be used instead of year-to-date financial statement to verify income 

    Where we fund
    entrepreneurial dreams

    Alabama, Arizona, California, Colorado, Florida, Georgia, Illinois, Iowa, Kansas, Louisiana, Michigan, Missouri, Mississippi, Nebraska, Nevada, New Mexico, New York, North Carolina, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Washington, and Wyoming.

    DreamSpring Service area for lending

    Do you still have questions?

    You can contact our team with questions or concerns.
    Contact us at     https://dreamspring.org/contact.