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Sources of Micro-Loans

For the most part, debt funding (loans) are not available to startups, unless there’s some substantial collateral  (e.g., a 2nd mortgage on a house).  But there are online lending sources that do make small loans ($25,000 or so) to small businesses, including, Zopa Inc., and Lending Club.

Mercy Corps Northwest also has micro-loan programs.  You’ll find links to them and other micro-loan sources at

But be warned – many micro-fund loans require a personal guaranty.  So if the business can’t pay the loan back, you may be personally liable.  Read the small print!