Below-market loans from mission lenders when banks say no.
Community Development Financial Institutions (CDFIs) and State Small Business Credit Initiative (SSBCI) lenders offer loans of $10K–$5M at 4–8% with looser credit and collateral standards than banks. Programs stack with SBA guarantees. Under the 2021 SSBCI Act, states have $10B to deploy through 2030 to underserved founders — massively underused.
Click Generate advisory deep dive for mechanics, IRC citations, a step-by-step execution plan, a worked numeric example on your profile, costs, risks, and this-week actions.
Buy a $1M–$5M business with 10% down, 10-yr amortization.
10% down, 20–25 yr fixed for owner-occupied real estate.
Owner becomes the bank — negotiate rate, term, and structure.
Tap home equity to fund higher-yield investments.
Borrow against your stock portfolio without selling.
Speed capital for flips, bridges, and value-add plays.
Rental loans qualified on property cash flow, not personal DTI.
Raise from LPs to acquire larger assets you couldn't alone.