We're here to provide the funds you need — quickly and easily.

Whether you’re just starting out or growing your small business, access to capital is key to your success. With a range of loan products and sizes, technology to streamline the application process, and a dedicated team to help you understand your options, we offer small business loans that work for you.

What makes DreamSpring different?

Explore DreamSpring Loans

Our mission is at the heart of our lending.

Every day, we work to increase access to business credit, make loans, and provide training and support that enables entrepreneurs to realize their dreams and be catalysts for positive economic and social change.

We care about your small business.

We offer loans to strengthen your business and build your credit and our team can connect you to business advisors, subject-matter experts, and entrepreneurial resources. Our secure application verifies your identity and makes it easy to upload needed documentation, request funds, and receive a decision.

Your financial health is our priority.

If you recently received a DreamSpring loan, we will take this under consideration during the underwriting process. We want to ensure your financial health and small business success.

Am I ready?

You're not alone.

We understand applying for a loan can be a big decision, and we’re here to make it as easy as possible. Our online process allows you to complete the application with ease, and our team is available to answer questions, review your options, and provide support along the way.

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You have questions.
We have answers.

Our FAQ page provides answers to commonly asked questions about our loan process. Here you’ll find information about documentation, qualifications, and your rights as a small business owner.

FAQs >

Will I qualify?

We want to help your business grow.

To qualify for a DreamSpring loan, you must meet the following eligibility requirements:

Be over the age of 18.

You must have a Social Security Number (SSN) or Tax Identification Number (ITIN).

Want to start or grow a business. (We don't offer personal loans.)

Business must be located in one of the states we serve: Alabama, Arizona, California, Colorado, Florida, Georgia, Illinois, Iowa, Kansas, Louisiana, Michigan, Missouri, Mississippi, Nebraska, Nevada, New Mexico, New York, North Carolina, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Washington, and Wyoming.

For return applicants, recent DreamSpring loans will factor into our decisioning.

What products does DreamSpring offer?

We have a loan for you.

With affordable rates, clear terms, and flexible products, we have a loan product for you. Our term loans range from $1,000 to $2,000,000 and we also have lines of credit to provide the type of funding you need.

Power Line of Credit

The DreamSpring Power Line is a fixed-rate, up to 30-month revolving line of credit that business owners can use to fund business needs and goals as they emerge during the course of normal business operations.*

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Line of credit range¹: $1,000 to $50,000

Revolving term: Up to 30 months

Interest rate: 9.99% - 27.24%

Credit score: 600+

Community benefit fee: 4% - 10% (due at origination)

APR²: max of 36%

¹In certain states, minimum loan amounts may be greater than stated.

²Annual percentage rate (APR) is the cost of borrowing money expressed as an annual rate, including all interest and fees charged.

*To provide the best rates and terms for our clients, DreamSpring may require collateral for loan approval.

Effective July 20, 2024 DreamSpring offers uncollateralized options for applicants seeking less than $20,000 and with credit score above 650.

Learn More About Our Power Line of Credit Loan

Small Business Loan

For entrepreneurs just getting started, to established businesses looking to grow, we offer a wide range of term loan options that we customize based upon your needs.*

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Loan range¹: $1,000 - $250,000+

Term: 24-72 months

Credit score: 600+

Interest rate: 9.99% - 28.24%

Community benefit fee: 4% - 10%

APR²: 14.1% - 36%

Individual taxpayer identification number accepted

¹In certain states, minimum loan amounts may be greater than stated.

²Annual percentage rate (APR) is the cost of borrowing money expressed as an annual rate including all interest and fees charged.

*To provide the best rates and terms for our clients, DreamSpring may require collateral for loan approval.

Effective July 20, 2024 DreamSpring offers uncollateralized options for applicants seeking less than $20,000 and with credit score above 650.

Learn More About Our Small Business Loan

Ready, Set, Grow! Loan

For entrepreneurs who want to turn a passion project or side hustle into a full-fledged small business.*

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Loan range: Up to $15,000

Terms: Up to 48 months

Credit score: 640+

Interest rate: 7.99% – 19.99%

Interest rate reduction of 2% after 12 months of on-time payments

Kansas City Limited-Time Offer: Kansas City entrepreneurs can lock in a fixed 7.99% interest rate and 7% Community Benefit Fee

Available in AZ, CA, CO, KS, MO, NM, NV, PA, and TX

*To provide the best rates and terms for our clients, DreamSpring may require collateral for loan approval.

Effective July 20, 2024 DreamSpring offers uncollateralized options for applicants seeking less than $20,000 and with credit score above 650.

Learn More About Our Ready, Set, Grow! Loan

DreamSpring SBA Community Advantage Loan

SBA Community Advantage 7(a) Loan

Financing with a guarantee from the U.S. Small Business Administration to help new and existing small business owners access capital.*

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Loan range¹: $50,000 - $350,000

Term: 5 - 10 years

Credit score: 640+

Interest rate: Prime + 6% (simple annual)

Options for limited collateral

Must be eligible to receive SBA-guaranteed financing

Available in AZ, CO, NM, NV, and TX

¹In certain states, minimum loan amounts may be greater than stated.

²Annual percentage rate (APR) is the cost of borrowing money expressed as an annual rate including all interest and fees charged.

*To provide the best rates and terms for our clients, DreamSpring may require collateral for loan approval.

Apply Now For Our SBA Community Advantage 7(a) Loan

Commercial Real Estate Loan

For experienced entrepreneurs looking to purchase a location for their business, we offer owner-occupied commercial real estate business loans.*

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Loan range¹: $50,000 - $2,000,000

5-year term; up to 20-year amortization

Fixed-interest pricing

Credit score: 650+

Interest rate: 7.5% - 14.25%

Community benefit fee: 2% - 5%

APR²: 7.76% - 15.11%

Must be 51% owner-occupied

Available in AZ, CO, NM, NV, and TX

¹In certain states, minimum loan amounts may be greater than stated.

²Annual percentage rate (APR) is the cost of borrowing money expressed as an annual rate including all interest and fees charged.

*To provide the best rates and terms for our clients, DreamSpring may require collateral for loan approval.

Apply Now For Our Commercial Real Estate Loan

How do I apply?

Let's get started.

You can start our online loan application securely from your computer or mobile device. From there, you’ll share information about you and your small business. Based on the information you share, we’ll provide a decision with rates, terms, and details. You can finalize the loan process and sign your loan documents online, or connect with a DreamSpring Loan Officer any time. We’ll then send the money you need for your business!

1 Enter your contact & loan information
2 Add details about your business
3 Share your financial details
4 Add collateral and references
5 Verify your identity (using mobile phone selfie and photos of your ID)
6 Get your loan pre-approval or approval notice!

Start Your Application

Where we fund
entrepreneurial dreams

We're here to provide the funds you need — quickly and easily.

What makes DreamSpring different?

Our mission is at the heart of our lending.

We care about your small business.

Your financial health is our priority.

Am I ready?

You're not alone.

You have questions.
We have answers.

Will I qualify?

We want to help your business grow.

What products does DreamSpring offer?

We have a loan for you.

Power Line of Credit

Small Business Loan

Ready, Set, Grow! Loan

SBA Community Advantage 7(a) Loan

Commercial Real Estate Loan

How do I apply?

Let's get started.

Where we fund
entrepreneurial dreams

Do you still have questions?

You can contact our team with questions or concerns.
We’re available at info@DreamSpring.org or 1-888-265-5676.

We're here to provide the funds you need — quickly and easily.

What makes DreamSpring different?

Our mission is at the heart of our lending.

We care about your small business.

Your financial health is our priority.

Am I ready?

You're not alone.

You have questions.We have answers.

Will I qualify?

We want to help your business grow.

What products does DreamSpring offer?

We have a loan for you.

Power Line of Credit

Small Business Loan

Ready, Set, Grow! Loan

SBA Community Advantage 7(a) Loan

Commercial Real Estate Loan

How do I apply?

Let's get started.

Where we fundentrepreneurial dreams

Do you still have questions?

You can contact our team with questions or concerns.We’re available at info@DreamSpring.org or 1-888-265-5676.

You have questions.
We have answers.

Where we fund
entrepreneurial dreams

You can contact our team with questions or concerns.
We’re available at info@DreamSpring.org or 1-888-265-5676.