貸款種類
始創資本
Start-up Capital
Amount
Fixed Interest Rate
Loan Term
Minimum Business Age
$5,000 - $10,000
12% - 14%
Up to 2 years
Start-up
Minimum FICO Score
600
Description
Suitable for pre-start up with solid business plan and good external cash flow
Collateral Coverage Ratio
50%
Equity Injection
50%
Application Fee
$100
Credit Check Fee per Applicant
$45
UCC-1 Filing Fee
$20
Closing Fee
1.5% of loan amount
Mini Microloan
Amount
Fixed Interest Rate
Loan Term
Minimum Business Age
$10,001 - $25,000
10% - 12%
Up to 3 years
6 Months
Minimum FICO Score
600
Description
Grow your early-stage business
Collateral Coverage Ratio
75%
Equity Injection
50%
Application Fee
$100
Credit Check Fee per Applicant
$45
UCC-1 Filing Fee
$20
Closing Fee
1.5% of loan amount
Microloan
Amount
Fixed Interest Rate
Loan Term
Minimum Business Age
$25,001 - $50,000
8% - 10%
Up to 5 years
1 Year
Minimum FICO Score
600
Description
Fund your business growth
Collateral Coverage Ratio
80%
Equity Injection
50%
Application Fee
$100
Credit Check Fee per Applicant
$45
UCC-1 Filing Fee
$20
Closing Fee
1.5% of loan amount
Minimum FICO Score
600
Description
Suitable for pre-start up with solid business plan and good external cash flow
Collateral Coverage Ratio
50%
Equity Injection
50%
Application Fee
$100
Credit Check Fee per Applicant
$45
UCC-1 Filing Fee
$20
Closing Fee
1.5% of loan amount
申請資格
常見問題
貸款申請的流程
1
Start the Application
Fill in some basic information to determine your eligibility for the loan
2
Meeting
Meet with the Business Counselor to learn more about your business, go over the document process, set expectations, and provide support for the application process
3
Provide Documents
Compile and provide all the required documents and completing with the credit check
4
Loan Approval
The complete loan package will be reviewed and presented to our loan committee and scored on a rubric.
5
Closing
Sign and complete the loan promissory notes, review payment terms, complete UCC-1 filing for any collaterals and proceed to fund disbursement
申請前：支持製定商業計劃和財務預測以及文件收集。
貸款發放後：爲小型企業提供持續的營銷、運營技術援助，以及爲成功經營企業提供的其它支援。
商業顧問
黃先生
zhuang@cscla.org
(213) 808-1751