Dear DreamSpring Community,
At DreamSpring, we believe human potential is unleashed when people have the opportunity to shape their own future. For over three decades, that belief has guided our work, and today, it compels us to meet this moment for small business owners by expanding access to the capital that fuels small business vitality.
Across the country, entrepreneurs are facing rising costs, economic uncertainty, and limited access to affordable capital. Every day, thousands of viable small business loan requests go unfunded because they do not meet traditional lending criteria. Yet an alternative exists. At DreamSpring, we know what is possible when capital is paired with trust, education, and long-term support. We see it in the businesses that grow, the jobs that are created, and the communities that are strengthened.
Our vision is grounded in a simple truth: small businesses are critical engines of well-being in our communities, yet access to fair, affordable financing remains out of reach for far too many. In response, DreamSpring is scaling what we do best — delivering innovative capital, personalized support, and barrier-breaking technology — while staying rooted in compassion, transparency, and financial stewardship.
As we embrace the opportunity to make a difference for entrepreneurs across 2026, we are focused on three core priorities:
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Expanding access to innovative, mission-driven capital. We are investing in a best-in-class suite of lending products — from microloans and term loans to commercial real estate financing, lines of credit, U.S. Small Business Administration (SBA) lending, and tailored financing for creatives, care providers, startups, light manufacturers, and high-growth industries. Through partnerships and thoughtful product design, we are meeting entrepreneurs where they are with what they need. |
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Leveraging technology to break barriers and build confidence. Our in-house technology platform is designed to make capital more accessible, secure, and responsive. By integrating education, client support, and data-driven insights, we are reducing friction, improving outcomes, and adapting quickly to urgent needs — from disaster recovery financing to nonprofit lending and investments in peer community lenders. |
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Leading with transparency, advocacy, and accountability. We are committed to sharing what we learn, elevating client voices, and helping transform community development finance through collaboration and thought leadership. At the same time, we continue to steward capital responsibly, maintain strong portfolio quality, and sustainably scale our impact. |
Importantly, as part of this vision, we are reaffirming our commitment to providing accessible, affordable capital. We have lowered our interest rates and instituted an interest rate ceiling to ensure that entrepreneurs can readily access capital that supports long-term success. This step reflects who we are and what we believe: that affordably priced capital for entrepreneurs is essential to expanding access, building trust, and creating pathways to generational economic mobility.
None of this is possible without you — our clients who take bold risks, our partners and allies who collaborate alongside us, and our donors who fuel this work with belief and investment. Together, we are proving that community-centered finance can be both compassionate and effective, both scalable and deeply human.
Our resolve is clear. We will continue to say “yes” to championing the small business dreams of the everyday entrepreneurs who bring our neighborhoods to life and vitalize our communities. We will continue to innovate without losing sight of our values. And we will continue to stand with small business owners as they build their businesses and stronger, more resilient communities for us all.
Thank you for being part of this journey — and for helping DreamSpring meet this moment.
With gratitude and determination,
Marisa Barrera
DreamSpring Acting CEO