Minority-Owned Business Loans

Find success with minority business loans

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Minority-Owned Business Loans

Minority-Owned Business Loans

Find success with minority business loans

Ready To Move Your Business Forward?

Click your annual gross sales 
Better Business Bureau, A+
By continuing I agree to all 

What qualifies as a Minority Business?

Many minority business loans and grants are dependent upon specific qualifications or thorough business plans. With National Funding, this isn’t an issue. As an alternative lender, we’re happy to look out for underserved small businesses and support them as they grow. From racial minorities to small business loans for women, when it comes to special qualifications or applications, you are already set.

How Small Business Loans for Minorities Work for You

Like all entrepreneurs, minority business owners must contend with a constantly fluctuating market and day-to-day financial obligations. Between purchasing new inventory, expanding staff and moving into different premises – running a business takes money, and oftentimes, that means it requires borrowing. Fortunately, owners seeking a path to business development through minority business loans can turn to National Funding. We want every business owner to have the chance to flourish.

Access to Working Capital icon

Access to Working Capital

  • Cover unexpected expenses like tax bills or repair costs
  • Pay recurring costs like rent, payroll and utilities
Grow Your Business icon

Grow Your Business

  • Use funds for new marketing campaigns to accomplish your goals
  • Reach out to the community through advertising efforts
Easy Application and Approval icon

Easy Application and Approval

  • Quick online loan application with minimal documentation required
  • Higher rate of approval than traditional lenders
Take Advantage of Opportunities icon

Take Advantage of Opportunities

  • Put money down on a new location without digging into cash reserves
  • Hire additional employees for the support you need during busy periods

Small Business Loans for Minorities

Small Business Loans icon

Small Business Loans

Secure working capital for inventory, payroll, marketing, taxes and more.

$5,000 to $500,000

Equipment Financing and Leasing icon

Equipment Financing and Leasing

Business lending options to purchase or lease new or used equipment.

Up to $150,000

How to Apply

Applying for a minority business loan has never been easier. If you have $100,000 in annual sales and just one year in business under your belt, the process is simple.
How to Apply steps

What Customers Are Saying

JoChas Moving & Delivery - Joann Johnson's Story

Joann Johnson, Owner

JoChas Moving & Delivery

When a family of former NFL players wanted to move its business to the big leagues, they wanted a funding partner that provided a caring, personalized approach to small business financing. They turned to National Funding to help kick off their growth, and have had a “special” partnership ever since.

Why National Funding?

From working capital loans to equipment financing options, minority business owners are sure to find a small business funding solution that is suited to their needs. Minority businesses loans at National Funding are easier to qualify for since we focus far less on credit scores and business plans than other lenders. We look at you as the business owner, and your potential, more than we look at old number figures. We also know that business owners are pressed for time, which is why we make those applications short and straightforward. Our easy, one-page application features no obligations on the part of the borrower. Plus, you can count on quick approvals for qualified borrowers.

We Know Minority-Owned Businesses

We Know Minority-Owned Businesses

Experience supporting minority business owners and other small businesses

Trusted by Businesses Like Yours

Trusted by Businesses Like Yours

Over $4.5 billion in funding to more than 75,000 businesses nationwide

Personalized Experience

Personalized Experience

Lending solutions and payment options tailored to your specific needs

Fast & Easy Application Process

Fast & Easy Application Process

No-cost, no-obligation application with funding in as few as 24 hours1

Funding Specialists Who Care

Funding Specialists Who Care

Experienced Funding Specialists help you make the right decision

Worry-Free Lending

Worry-Free Lending

No collateral requirements, plus simple, automatic payments3

What Are the Options for Minority Business Owners?

There are a variety of options when it comes to minority business loans, each with advantages and disadvantages. Certain SBA loans are built for minority businesses and aim to help underserved communities. The main difference between those and loans from National Funding is qualification requirements. The government often tries to avoid risk and prefers to lend to those with high credit scores. At National Funding, we help minority business owners who may have trouble gaining the funding they need elsewhere. We don’t mind a little risk and are happy to help businesses, even those with lower credit scores. Our small business loans for minorities are here to serve you!

Resources for Minority-Owned Businesses

Get the information you need to run your small business more efficiently. Check out these articles for helpful tips and resources on minority business loans, equipment leasing, and more.

Latino Small Business Owners Have Difficulty Securing Funding

Latino Small Business Owners Have Difficulty Securing Funding

Even with Latino-owned businesses on the rise, many owners are finding it difficult to get a business loan. In order to meet this crucial need, see what some business owners are doing instead.


6 Best Resources for Minority-Owned Businesses

No one should have to operate with an unfair disadvantage. Learn how you can use the resources available to you to successfully run your business. This post covers getting funding through grants and loans, as well as networking and connecting with media contacts. Use these tips to help you take advantage of useful resources and manage your business more efficiently.

6 Best Resources for Minority-Owned Businesses

FAQ: Minority-Owned Business Loans

Do you have questions about business finances or business loans for minorities? You’re not alone. We’ve collected common questions from minority business owners like you.

What can I use minority business loan funds for?
You can use business loan funds for almost anything your business needs. This includes everyday expenses like payroll or office supplies. It also includes larger purchases like a lease on a new storefront. The possibilities are endless.
Do I need a business plan to apply for a loan?
No, with National Funding you don’t need to show us your business plan to get approved for a loan. We look at how your business is doing and where you’re headed to determine if you qualify. Just fill out our easy one-page application and you could receive funding in as few as 24 hours.1
Can I get a loan with bad credit?
Business owners with less than perfect credit are often worried about finding financing for their business. Traditional lenders often require a high credit score to even be considered for a loan. Luckily, with alternative lenders there are plenty of options for minority business loans with bad credit.

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