We have financing for hard-to-fund loans


Partner with CRF to benefit your small business customer and earn a referral fee

Every day, you see loan prospects you’d like to help, but who can’t quite meet your lending
criteria—projects that could mean additional jobs and stronger, more vibrant commerce for your area. 

At Community Reinvestment Fund, USA (CRF), we collaborate with other lenders, including community banks, Community Development Financial Institutions (CDFIs), and local non-profits, economic development organizations, credit unions, Certified Development Companies (CDCs), and commercial financial advisors to provide solutions for hard-to-finance small businesses.

Working with you, we can bring high-impact loans to struggling neighborhoods and turn them into flourishing communities with solid, sustainable jobs.

What we fund

CRF provides SBA 7(a) small business loans from $150,000 to $4,000,000 to:

  • Purchase commercial real estate
  • Raise permanent working capital
  • Purchase business equipment
  • Refinance existing debt
  • Make leasehold improvements

Get more detail on how a CRF SBA 7(a) Loan works and who a CRF SBA 7(a) loan is for.

If you are a lender

Have a deserving small business customer who doesn’t meet your lending criteria? Sign up to become a referral partner.

If you are a business owner

Can a CRF SBA 7(a) Loan help you bring your business goals within reach? Find out more. Fill out a business owner financing inquiry form.

Why the CRF SBA 7(a) Loan is different

CRF is one of only 14 non-bank licensees authorized by the Small Business Administration (SBA) to offer SBA 7(a) loans. And as a mission driven non-profit Preferred Lender, we’ll take a closer look at those loans and can often times provide financing when others can't or won't. Because we review businesses beyond the usual characteristics, we’re able to fund SBA 7(a) loans for borrowers who:

  • Have a financial history where the numbers don’t paint the whole picture
  • Have turned a business around and show early evidence of the change
  • Are capital-constrained
  • Require a larger loan sum, up to $4 million
  • Have a project that clearly benefits the community or creates jobs

As a non-bank SBA 7(a) lender, we won’t compete for a customer’s depository business. Instead, we complement your existing relationship. You support a valued business and earn a referral fee for bringing us the loan opportunity.