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Finance a Business

Urban Solutions can assist you in accessing loans from banks, microlenders and the San Francisco Revolving loan fund. We can help you assemble a complete loan package and work with you to strengthen your business plan, prepare realistic financial projections, identify other resources and rebuild your credit history. In certain San Francisco neighborhoods, we work with the City to administer façade and tenant improvement loans.

Commercial loans are available for the following purposes:

• Working capital
  
• Equipment
  
• Inventory
  
• Supplies
  
• Purchasing a business
  
• Renovations
• Buying a building
  

Are you eligible to apply for a loan?

• Can you generate sufficient revenue to repay the loan through the cash flow of your business?
  
• Have you invested at least 10-30% equity in your business?
  
• Do you have prior experience in your industry?
  
• Have you filed and paid your taxes?
  
• Are you prepared to sign a personal guarantee for your business loan?
  
• Are you current in your payments on any other outstanding debts?
  
• Are you a US citizen or a resident alien?
  
• If you answered "yes" to all of these questions, call us! Urban Solutions can support you throughout the loan application process.

Loan Package Checklist

A loan package should include the following:

• Business Plan with three-year projected financial statements, including uses of funds requested, cash flow, income statement and balance sheet. (We can help you with this.)
  
• Personal Financial Statement (listing all assets, sources of income, and debts)
  
• Resume of borrower(s) and senior management
  
• Copies of Business Licenses and Permits
  
• Copies of Personal Tax Returns for past three years
  
• For existing businesses, copies of three years of Business Tax Returns and Financial Statements
  
• Credit Report or signed Credit Authorization
  
• Description of Public Benefits associated with the business (such as jobs created or retained, and contribution to neighborhood revitalization)
  

Download and print the Loan Application Checklist in PDF form.