{"id":27071,"date":"2024-01-29T15:35:26","date_gmt":"2024-01-29T15:35:26","guid":{"rendered":"https:\/\/swoopfunding.com\/us\/?page_id=27071"},"modified":"2024-04-30T14:06:47","modified_gmt":"2024-04-30T14:06:47","slug":"business-loans-for-minorities","status":"publish","type":"page","link":"https:\/\/swoopfunding.com\/us\/business-loans\/business-loans-for-minorities\/","title":{"rendered":"Business loans for minorities"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"27071\" class=\"elementor elementor-27071\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4be822c e-flex e-con-boxed e-con e-parent\" data-id=\"4be822c\" data-element_type=\"container\" id=\"hero-title\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-fc11dd8 e-con-full e-flex e-con e-child\" data-id=\"fc11dd8\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7d339b9 elementor-widget elementor-widget-heading\" data-id=\"7d339b9\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Business loans for minorities<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f8858b8 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"f8858b8\" data-element_type=\"section\" id=\"product-page\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c239a77\" data-id=\"c239a77\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-71b27d2 uael-heading-align-left elementor-widget elementor-widget-uael-table-of-contents\" data-id=\"71b27d2\" data-element_type=\"widget\" id=\"styck-table-of-contents\" data-settings=\"{&quot;scroll_offset&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;115&quot;,&quot;sizes&quot;:[]},&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_on&quot;:[&quot;desktop&quot;],&quot;sticky_offset&quot;:&quot;130&quot;,&quot;sticky_parent&quot;:&quot;yes&quot;,&quot;scroll_offset_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;scroll_offset_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;scroll_offset_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;heading_text_align&quot;:&quot;left&quot;,&quot;heading_bottom_space&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;heading_bottom_space_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;heading_bottom_space_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;heading_bottom_space_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;separator_bottom_space&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;separator_bottom_space_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;separator_bottom_space_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;separator_bottom_space_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;content_between_space&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:15,&quot;sizes&quot;:[]},&quot;content_between_space_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;content_between_space_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;content_between_space_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;sticky_effects_offset&quot;:0}\" data-widget_type=\"uael-table-of-contents.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"uael-toc-main-wrapper\" data-headings=\"h2,h3,h4\" >\n\t\t\t<div class=\"uael-toc-wrapper\">\n\t\t\t\t<div class=\"uael-toc-header\">\n\t\t\t\t\t<span class=\"uael-toc-heading elementor-inline-editing\" data-elementor-setting-key=\"heading_title\" data-elementor-inline-editing-toolbar=\"basic\" ><\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"uael-toc-toggle-content\">\n\t\t\t\t\t<div class=\"uael-toc-content-wrapper\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t<ul data-toc-headings=\"headings\" class=\"uael-toc-list uael-toc-list-none\" data-scroll=\"500\" data-scroll-offset=\"115\" ><\/ul>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"uael-toc-empty-note\">\n\t\t\t\t\t<span>Add a header to begin generating the table of 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data-element_type=\"widget\" data-widget_type=\"ucaddon_last_updated.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n\n\t\t\t\n<div id=\"last-updated-container\" class=\"\">\n\n <script id=\"last-updated-schema\" type=\"application\/ld+json\">\n        {\n          \"@context\": \"https:\/\/schema.org\",\n          \"@type\": \"Article\",\n          \"headline\": \"Business loans for minorities\",\n          \n          \"datePublished\": \"2024-01-29T15:35:26+00:00\",\n          \"dateModified\": \"2024-04-30T14:06:47+00:00\",\n          \"author\": [{\n              \"@type\": \"Person\",\n              \"name\": \"Chris Godfrey\",\n              \"url\": \"https:\/\/swoopfunding.com\/us\/author\/chris-godfrey\/\"\n            }]\n        }\n    <\/script>\n \n <div class=\"last-updated view-user\" style=\"justify-content: left;\">\n \n <div class=\"info-left\">\n <a href=\"https:\/\/swoopfunding.com\/us\/author\/chris-godfrey\/\"><img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2021\/03\/chris-godfrey-author.png\" data-lazy-src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2021\/03\/chris-godfrey-author.png?is-pending-load=1\" alt=\"Chris Godfrey\" class=\"jetpack-lazy-image\" loading=\"lazy\" width=\"92\" height=\"92\"><\/a>\n <\/div>\n \n <div class=\"info-right\">\n <p>Page written by <a href=\"https:\/\/swoopfunding.com\/us\/author\/chris-godfrey\/\">Chris Godfrey<\/a>. <span>Last reviewed on April 30, 2024<\/span>. <span>Next review due October 1, 2025.\n <\/span>\n <\/p>\n\n <\/div>\n\n <\/div>\n<\/div>\n\n<div id=\"externalTooltipContent\" style=\"display: none;\">\n <div class=\"top-info\">\n <img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2021\/03\/chris-godfrey-author.png\" data-lazy-src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2021\/03\/chris-godfrey-author.png?is-pending-load=1\" alt=\"\" class=\"jetpack-lazy-image\" loading=\"lazy\" width=\"92\" height=\"92\">\n <div class=\"text\">\n <div class=\"name-author\">Chris Godfrey<\/div>\n <div class=\"role-user\">Expert financial copywriter<\/div>\n <\/div>\n <\/div>\n <div class=\"description\">Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance.<\/div>\n<\/div>\n\n<div class=\"modal fade modal-form modal-user\" id=\"modal-user\" tabindex=\"-1\" role=\"dialog\" aria-labelledby=\"modal-user\" aria-hidden=\"true\">\n <div class=\"modal-dialog\" role=\"document\">\n\n <div class=\"modal-content\">\n <div class=\"modal-header\">\n <button type=\"button\" class=\"close\" data-dismiss=\"modal\" aria-label=\"Close\">\n <span aria-hidden=\"true\">&times;<\/span>\n <\/button>\n <\/div>\n <div class=\"modal-body\">\n \n <div class=\"top-info\">\n <img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2021\/03\/chris-godfrey-author.png\" data-lazy-src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2021\/03\/chris-godfrey-author.png?is-pending-load=1\" alt=\"\" class=\"jetpack-lazy-image\" loading=\"lazy\" width=\"92\" height=\"92\">\n <div class=\"text\">\n <div class=\"name-author\">Chris Godfrey<\/div>\n <div class=\"role-user\">Expert financial copywriter<\/div>\n <\/div>\n <\/div>\n <div class=\"description\">Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance.<\/div>\n <ul class=\"social-links\">\n <li><a href=\"https:\/\/www.linkedin.com\/in\/christopher-godfrey-332198139\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"text-link\">Linkedin<\/span><i class=\"icon icon-linkedin\"><\/i><\/a><\/li>\n <li><a href=\"https:\/\/www.freelancewords.co.uk\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><span class=\"text-link\">Website<\/span><i class=\"icon material-icons\">web_asset<\/i><\/a><\/li>\n <\/ul>\n \n <\/div>\n <\/div>\n <\/div>\n<\/div>\n\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d64bf62 elementor-widget elementor-widget-text-editor\" data-id=\"d64bf62\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">It\u2019s seldom easy for small and medium-sized organizations to secure a <\/span><a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/\"><span style=\"font-weight: 400;\">business loan<\/span><\/a><span style=\"font-weight: 400;\">, but for minority-owned businesses, issues such as limited banking history, imperfect credit and unconscious bias can often make the challenge even tougher. Fortunately, a whole raft of business funding options have sprung up in answer to this problem. Read on to learn more about business loans for minorities and how you can secure the funding your organization requires.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fb5b3aa uael-heading-align-left elementor-widget elementor-widget-uael-table-of-contents\" data-id=\"fb5b3aa\" data-element_type=\"widget\" id=\"table-of-content-column\" data-settings=\"{&quot;heading_text_align&quot;:&quot;left&quot;,&quot;heading_bottom_space&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;heading_bottom_space_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;heading_bottom_space_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;heading_bottom_space_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;separator_bottom_space&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;separator_bottom_space_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;separator_bottom_space_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;separator_bottom_space_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;content_between_space&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:15,&quot;sizes&quot;:[]},&quot;content_between_space_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;content_between_space_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;content_between_space_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"uael-table-of-contents.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"uael-toc-main-wrapper\" data-headings=\"h2,h3,h4\" >\n\t\t\t<div class=\"uael-toc-wrapper\">\n\t\t\t\t<div class=\"uael-toc-header\">\n\t\t\t\t\t<span class=\"uael-toc-heading elementor-inline-editing\" data-elementor-setting-key=\"heading_title\" data-elementor-inline-editing-toolbar=\"basic\" ><\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"uael-toc-toggle-content\">\n\t\t\t\t\t<div class=\"uael-toc-content-wrapper\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t<ul data-toc-headings=\"headings\" class=\"uael-toc-list uael-toc-list-none\" data-scroll=\"\" ><\/ul>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"uael-toc-empty-note\">\n\t\t\t\t\t<span>Add a header to begin generating the table of contents<\/span>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c7c849d question elementor-widget elementor-widget-heading\" data-id=\"c7c849d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is a minority-owned business?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c7c0d1f answer elementor-widget elementor-widget-text-editor\" data-id=\"c7c0d1f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">If your business is at least 51% owned and operated by people of specific ethnicities, it can be classed as minority-owned. The National Minority Supplier Development Council, (NMSDC), defines a minority business owner as an American citizen who identifies as Asian-Indian, Asian-Pacific, Black, Hispanic or Native American.\u00a0<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a22a89 question elementor-widget elementor-widget-heading\" data-id=\"4a22a89\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Where can I get a minority business loan?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d34846b answer elementor-widget elementor-widget-text-editor\" data-id=\"d34846b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Minority business owners may secure a loan from a range of different lenders and choose from a wide variety of loan products. However, note that every lender will have their own borrowing criteria and the sums they will lend and the rates they charge can fluctuate significantly \u2013 which is why it makes sense to consider offers from more than one lender before settling on a loan.\u00a0<\/span><\/p><h3><b>SBA lenders<\/b><\/h3><p><a href=\"https:\/\/swoopfunding.com\/us\/sba-loans\/\"><span style=\"font-weight: 400;\">SBA loans<\/span><\/a><span style=\"font-weight: 400;\"> can be obtained from banks, credit unions, nonprofits and online lenders who are part of the Small Business Administration (SBA) lender network. Partially backed by the US Government, SBA loans usually come with much lower interest rates and fees than other forms of <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/commercial-finance\/\">commercial lending<\/a>. Although there are many types of SBA loan, <\/span><a href=\"https:\/\/swoopfunding.com\/us\/sba-loans\/sba-7a-loans\/\"><span style=\"font-weight: 400;\">SBA 7a<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/swoopfunding.com\/us\/sba-loans\/sba-patriot-express-loans\/\"><span style=\"font-weight: 400;\">SBA express<\/span><\/a><span style=\"font-weight: 400;\"> and <\/span><a href=\"https:\/\/swoopfunding.com\/us\/sba-loans\/sba-microloans\/\"><span style=\"font-weight: 400;\">SBA microloans<\/span><\/a><span style=\"font-weight: 400;\"> may suit the needs of minority business owners best.\u00a0<\/span><\/p><h3><b>Online lenders<\/b><\/h3><p><span style=\"font-weight: 400;\">Young businesses and minority entrepreneurs with weaker credit may do better with online lenders who tend to have more relaxed rules of qualification. These fintechs and marketplaces will usually give you a \u2018yes\/no\u2019 much faster than traditional lenders, sometimes in minutes, although borrowers should expect to pay higher interest rates and fees. Online lenders typically offer all the standard loan types as well as specialist business loans, such as <\/span><a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/asset-finance\/equipment-financing\/\"><span style=\"font-weight: 400;\">equipment financing<\/span><\/a><span style=\"font-weight: 400;\"> or <\/span><a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/invoice-finance\/\"><span style=\"font-weight: 400;\">invoice financing<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p><h3><b>Nonprofit microlenders<\/b><\/h3><p><span style=\"font-weight: 400;\">Many mission-based nonprofit organizations offer microloans to local businesses, often focusing on businesses owned by minority groups, women and veterans. The SBA also offers microloans of up to $50,000 through these nonprofit organizations.\u00a0<\/span><\/p><h3><b>Community development financial institutions<\/b><\/h3><p><span style=\"font-weight: 400;\">Community development financial institutions, or <\/span><a href=\"https:\/\/www.cdfifund.gov\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">CDFIs<\/span><\/a><span style=\"font-weight: 400;\"> are banks, credit unions and other institutions that provide financial access, including loans, to minorities and other economically disadvantaged communities. For example, the Business Consortium Fund is a CDFI that provides minority business loans from $100,000 to over $1million. Many CDFIs also issue small-business loans for minorities through the SBA microloan program.<\/span><\/p><h3><b>Banks<\/b><\/h3><p><span style=\"font-weight: 400;\">Business loans for minorities from national, regional or local banks often come with low-interest rates and fees, but borrowers will usually be faced with strict qualifying rules. Getting approval may be tough for many business owners, especially if their credit history is spotty.\u00a0<\/span><\/p><h3><b>Credit unions<\/b><\/h3><p><span style=\"font-weight: 400;\">Loans from credit unions can be competitively priced and some special deals for minorities may be on offer. However, you will typically need to be an established business with good credit and a strong financial history to get approval. <\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-69e389e question elementor-widget elementor-widget-heading\" data-id=\"69e389e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How do I get a minority business loan?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-697875a answer elementor-widget elementor-widget-text-editor\" data-id=\"697875a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">You can improve your chances of getting approved for a minority business loan by preparing in advance. Key tasks to take care of include:<\/span><\/p><h3><b>Determine your funding needs<\/b><\/h3><p><span style=\"font-weight: 400;\">Why do you need the money? Do your homework to accurately calculate how much you need to borrow and what you can afford to repay. Depending on what you need the funds for, it may make sense to include an extra sum for unexpected costs in the sum you request \u2013 this is known as a \u2018contingency fund\u2019 and is typically calculated as an extra 5% or 10% of the base sum you require. Keep in mind that you will need to present a strong case for funding to secure an LLC business loan and your financial records should support this need. Indicate why you need the sum you are asking for, how the loan will deliver your plan \u2013 and critically, how you will pay the loan back.<\/span><\/p><p><b>Top tip:<\/b><span style=\"font-weight: 400;\"> Increasing the size of your down payment or offering assets that can be used as collateral for the loan can improve your chances of approval.<\/span><\/p><h3><b>Evaluate your credentials<\/b><\/h3><p><span style=\"font-weight: 400;\">Every lender will have their unique credential and eligibility requirements, such as time in business, type of business, annual revenues and of course, personal and business credit reports. Unfortunately, it is common for mistakes to occur on credit reports and incorrect information could have an adverse impact on your loan application. Ensure your report information is correct. If there are errors, get them fixed before applying for your loan \u2013 and be aware that fixing a credit report can take time and there are no \u2018fast credit repairs\u2019 despite the many promises from online \u2018credit doctors\u2019 who say they can perform miracles for your score.<\/span><\/p><h3><b>Get certified as a minority-owned business<\/b><\/h3><p><span style=\"font-weight: 400;\">A certification stating your business is minority-owned may be required for you to qualify for specific minority business loans or programs. You can get certified through your state, or through the NMSDC. In most cases, you must be able to prove that your business is 51% owned and operated by individuals that meet specific ethnic definitions, although the certification process can vary state by state. Additionally, some programs, such as the SBA 8(a) Program, may require you to renew your business\u2019s certification on an annual basis.\u00a0<\/span><\/p><h3><b>Research and compare lenders<\/b><\/h3><p><span style=\"font-weight: 400;\">It makes sense to shop around for different loan offers before settling on a lender. You can do this by approaching banks, credit unions and online or other lenders one by one, or you can use the services of a loan marketplace that will introduce you to a choice of loan deals from different lenders. Some marketplace platforms can also give you advice and help you with the application process. This can be especially useful for minority business owners who have never taken out a business loan before.\u00a0<\/span><\/p><h3><b>Gather your documentation and apply<\/b><\/h3><p><span style=\"font-weight: 400;\">Lenders will need to see bank statements (usually at least 18 months), balance sheet, profit and loss statements, cashflow projections, list of debts, list of assets, customer database, documents that reveal the structure of your business (corporation, LLC, etc.), certificates of good standing, tax returns and more.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Make sure you are within the deadline stipulated by the lender before submitting your application and ensure you have provided all the necessary documents and information they require. Keep in mind that processing times can vary enormously, with some providers taking many weeks to arrive at a final decision and disburse their funds.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">If you need funds in a hurry, you may be eligible for a fast business loan. Start that process <\/span><a href=\"http:\/\/us.swoopfunding.ca\/stage\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">here<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7983ce6 elementor-widget elementor-widget-heading\" data-id=\"7983ce6\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Can minorities with bad credit get a business loan?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2599c8b answer elementor-widget elementor-widget-text-editor\" data-id=\"2599c8b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Even if you have bad credit or have been turned down elsewhere, it may still be possible to get the funding you need. Some business loans, including SBA Microloans, are specifically tailored for business borrowers with less than perfect credit, although you should expect to pay higher interest rates and fees. To save time and disappointment, the best way to find out what you may qualify for is to <\/span><a href=\"http:\/\/us.swoopfunding.ca\/stage\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">contact Swoop today<\/span><\/a><span style=\"font-weight: 400;\"> to confidentially discuss your loan requirements with a bad credit expert.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6f73c33 elementor-widget elementor-widget-heading\" data-id=\"6f73c33\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What are the alternatives to business loans for minorities?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e3e9dfd answer elementor-widget elementor-widget-text-editor\" data-id=\"e3e9dfd\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Minority business owners who do not qualify for regular business loans don\u2019t have to abandon their big ideas. There may be other ways to secure the funds you need:<\/span><\/p><h3><b>External investors<\/b><\/h3><p><span style=\"font-weight: 400;\">If you\u2019re seeking outside investment, there are networks of venture capitalists and angel investors readily available online.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Bringing in external investment can give you the cash you need, and it may also deliver a unique and extra set of skills and contacts that can help your organization grow even faster. However, investors will usually want a piece of the action in exchange for their money. This will mean you giving up a share of your ownership and may loosen your overall control of the business. Some investors may also want higher dividends or royalty payments as well as their share of equity. Also note that venture capitalists and angel investors can be very picky about the businesses they choose to back. You could spend many months pursuing one lead after another before you find the right match.\u00a0<\/span><\/p><h3><b>Grants<\/b><\/h3><p><span style=\"font-weight: 400;\">Business grants are another option for minority business owners. Unlike business loans, the major advantage of this type of funding is that you don\u2019t need to repay the money. However, the downside is that it can be very tough to secure a grant. They are often restricted to specific locations, industries or causes, making it difficult to qualify.<\/span><\/p><h4><strong>Five places to find minority business owner grants:<\/strong><\/h4><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.grants.gov\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Grants.gov<\/span><\/a><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.rd.usda.gov\/programs-services\/business-programs\/rural-business-development-grants\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Rural business development grants<\/span><\/a><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.wish.com\/local\/empowerment?hide_login_modal=true\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Wish local empowerment program<\/span><\/a><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.hersuitespot.com\/herrise\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Her-rise microgrants<\/span><\/a><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/feedthesoulfou.org\/restaurant-business-development\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Feed the soul restaurant business-development program<\/span><\/a><\/li><\/ul><h3><b>Crowdfunding<\/b><\/h3><p><span style=\"font-weight: 400;\">Available via various online platforms, crowdfunding can bring in large sums if your presentation hits the right spot. Although you will need to be creative to raise big money in small donations from hundreds or even thousands of donors, you do not need to repay the cash if you spend it where you said you would. An eye-catching idea and a powerful pitch is essential to succeed with this funding option.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4436f4a question elementor-widget elementor-widget-heading\" data-id=\"4436f4a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Get started with Swoop<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-38d3abf answer elementor-widget elementor-widget-text-editor\" data-id=\"38d3abf\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">No matter if you\u2019re seeking your first loan or you\u2019re a seasoned borrower, working with business finance experts can make all the difference when applying for funding. Contact Swoop to discuss your borrowing needs, get help with your application and compare business loans for minorities from a choice of lenders. Give your organization the financial boost it deserves. <\/span><a href=\"http:\/\/us.swoopfunding.ca\/stage\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Register with Swoop today<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-afcdcc0 elementor-widget elementor-widget-spacer\" data-id=\"afcdcc0\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f39c858 elementor-widget elementor-widget-ucaddon_author_page\" data-id=\"f39c858\" data-element_type=\"widget\" data-widget_type=\"ucaddon_author_page.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n\n\t\t\t\n <div class=\"info-user-post\">\n \n <div class=\"left-info\">\n <a href=\"https:\/\/swoopfunding.com\/us\/author\/chris-godfrey\/\"><img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2021\/03\/chris-godfrey-author.png\" data-lazy-src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2021\/03\/chris-godfrey-author.png?is-pending-load=1\" alt=\"\" class=\"jetpack-lazy-image\" loading=\"lazy\" width=\"92\" height=\"92\"><\/a>\n <\/div>\n \n <div class=\"right-info\">\n <p>Written by<\/p>\n <p class=\"name-author\"><a href=\"https:\/\/swoopfunding.com\/us\/author\/chris-godfrey\/\">Chris Godfrey<\/a><\/h3>\n <p>Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance.<\/p>\n\n <ul class=\"social-links\">\n \n <li><a href=\"https:\/\/www.linkedin.com\/in\/christopher-godfrey-332198139\/\" target=\"_blank\" rel=\"noreferrer noopener\">\n <img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/us\/wp-content\/themes\/swoopMW50\/assets\/icons\/icon-linkedin-min.svg\" width=\"30\" height=\"30\" alt=\"Linkedin\">\n <\/a><\/li>\n \n <li><a href=\"https:\/\/www.freelancewords.co.uk\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">\n <img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/us\/wp-content\/themes\/swoopMW50\/assets\/icons\/icon-site-min.svg\" width=\"30\" height=\"30\" alt=\"Website\">\n <\/a><\/li>\n <\/ul>\n\n <div class=\"swoop-promise\">\n <p><strong>Swoop promise<\/strong><\/p>\n <p>At Swoop we want to make it easy for SMEs to understand the sometimes overwhelming world of business finance and insurance. Our goal is simple \u2013 to distill complex topics, unravel jargon, offer transparent and impartial information, and empower businesses to make smart financial decisions with confidence.<\/p>\n <p>Find out more about Swoop\u2019s editorial principles by reading our <a href=\"https:\/\/swoopfunding.com\/us\/about-swoop\/editorial-policy\/\">editorial policy<\/a>.<\/p>\n <\/div>\n\n <\/div>\n <\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-e0ba8b4 e-flex e-con-boxed e-con e-parent\" data-id=\"e0ba8b4\" data-element_type=\"container\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-4c1c413 open banner-product elementor-hidden-mobile e-con-full e-flex e-con e-child\" data-id=\"4c1c413\" data-element_type=\"container\" id=\"sticky-banner\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c8831ac elementor-widget elementor-widget-image\" data-id=\"c8831ac\" data-element_type=\"widget\" id=\"close-sticky\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/us\/wp-content\/uploads\/sites\/3\/2022\/08\/close.svg\" title=\"close\" alt=\"close\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f2285ce elementor-widget elementor-widget-heading\" data-id=\"f2285ce\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Get your free minority business loan quote today<\/p>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1f49404 sticky-info e-con-full e-flex e-con e-child\" data-id=\"1f49404\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-ea25980 e-con-full e-flex e-con e-child\" data-id=\"ea25980\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-afb5cab elementor-widget__width-auto elementor-widget elementor-widget-image\" data-id=\"afb5cab\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/us\/wp-content\/uploads\/sites\/3\/2022\/10\/icon1.svg\" title=\"Apply in minutes\" alt=\"Apply in minutes\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eec0855 elementor-widget__width-auto elementor-widget elementor-widget-heading\" data-id=\"eec0855\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Apply in minutes<\/p>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5eb43a3 sticky-info e-con-full e-flex e-con e-child\" data-id=\"5eb43a3\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-07a3516 e-con-full e-flex e-con e-child\" data-id=\"07a3516\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5563781 elementor-widget__width-auto elementor-widget elementor-widget-image\" data-id=\"5563781\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"45\" height=\"42\" src=\"https:\/\/swoopfunding.com\/us\/wp-content\/uploads\/sites\/3\/2021\/09\/icon-dollar2.svg\" class=\"attachment-full size-full wp-image-14252\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6556e66 elementor-widget__width-auto elementor-widget elementor-widget-heading\" data-id=\"6556e66\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<p class=\"elementor-heading-title elementor-size-default\">FREE no obligation, personalised<br>quote<\/p>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-31569e0 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"31569e0\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/us.swoopfunding.ca\/stage\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Get a quote<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bbd967d elementor-widget elementor-widget-text-editor\" data-id=\"bbd967d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p style=\"text-align: center;\"><span style=\"color: #ffffff;\"><strong>Prefer to talk? Call us on<br \/>\u00a0<a class=\"c-link\" href=\"tel:+12028049308\" target=\"_blank\" rel=\"noopener noreferrer\" data-stringify-link=\"tel:+12028049308\" data-sk=\"tooltip_parent\">+1 (202) 804-9308<\/a><br \/><\/strong><\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c289909 elementor-hidden-mobile e-con-full e-flex e-con e-child\" data-id=\"c289909\" data-element_type=\"container\" id=\"sticky-banner-mini\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b9e1d58 elementor-widget elementor-widget-image\" data-id=\"b9e1d58\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"28\" height=\"28\" src=\"https:\/\/swoopfunding.com\/us\/wp-content\/uploads\/sites\/3\/2022\/08\/plus.svg\" class=\"attachment-full size-full wp-image-18793\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a84128 elementor-widget elementor-widget-heading\" data-id=\"3a84128\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<p class=\"elementor-heading-title elementor-size-default\">G<br>E<br>T<br><br>Q<br>U<br>O<br>T<br>E<\/p>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-edc8e51 e-flex e-con-boxed e-con e-parent\" data-id=\"edc8e51\" data-element_type=\"container\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-4d5606b e-con-full e-flex e-con e-child\" data-id=\"4d5606b\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3b7bd13 elementor-widget__width-auto elementor-hidden-mobile elementor-widget elementor-widget-image\" data-id=\"3b7bd13\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"60\" height=\"33\" src=\"https:\/\/swoopfunding.com\/us\/wp-content\/uploads\/sites\/3\/2022\/10\/icon-swoop.svg\" class=\"attachment-full size-full wp-image-19077\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9e0ba9d elementor-widget__width-auto elementor-widget elementor-widget-heading\" data-id=\"9e0ba9d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Create your free Swoop account to easily apply for a minority business loan<\/p>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c325a6c elementor-widget__width-auto bt-form-45 elementor-mobile-align-center elementor-widget-mobile__width-inherit elementor-widget elementor-widget-button\" data-id=\"c325a6c\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/us.swoopfunding.ca\/stage\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Join Swoop<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-28bf24b e-flex e-con-boxed e-con e-parent\" data-id=\"28bf24b\" data-element_type=\"container\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-79c49af elementor-widget elementor-widget-spacer\" data-id=\"79c49af\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ccb7713 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"ccb7713\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<span class=\"elementor-heading-title elementor-size-default\">We have a wide range of loan options<\/span>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f238d0d elementor-widget elementor-widget-ucaddon_pages_related\" data-id=\"f238d0d\" data-element_type=\"widget\" data-widget_type=\"ucaddon_pages_related.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n\n\t\t\t<div class=\"card-list-container\">\n\t\n\n\t<div class=\"card-with-links-widget\">\n\t\t\n\t\t\t\t<a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/working-capital-loans\/\">\n\t\t\tWorking capital loans\t\t<\/a>\n\t<\/div>\n\n\n\n\t<div class=\"card-with-links-widget\">\n\t\t\n\t\t\t\t<a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/semi-truck-financing\/\">\n\t\t\tSemi-truck financing\t\t<\/a>\n\t<\/div>\n\n\n\n\t<div class=\"card-with-links-widget\">\n\t\t\n\t\t\t\t<a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/asset-finance\/equipment-financing\/\">\n\t\t\tEquipment financing\t\t<\/a>\n\t<\/div>\n\n\n\n\t<div class=\"card-with-links-widget\">\n\t\t\n\t\t\t\t<a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/asset-finance\/equipment-leasing\/\">\n\t\t\tEquipment leasing\t\t<\/a>\n\t<\/div>\n\n\n\n\t<div class=\"card-with-links-widget\">\n\t\t\n\t\t\t\t<a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/asset-finance\/asset-based-lending\/\">\n\t\t\tAsset-based lending\t\t<\/a>\n\t<\/div>\n\n\n<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-eb8630f e-con-full e-flex e-con e-parent\" data-id=\"eb8630f\" data-element_type=\"container\" data-core-v316-plus=\"true\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7380b5e elementor-widget elementor-widget-template\" data-id=\"7380b5e\" data-element_type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"section\" data-elementor-id=\"11997\" class=\"elementor elementor-11997\">\n\t\t\t\t\t<div class=\"elementor-section-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b8ace09 e-con-full e-flex e-con e-parent\" data-id=\"b8ace09\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\" data-core-v316-plus=\"true\">\n\t\t<div class=\"elementor-element elementor-element-2e25523 e-flex e-con-boxed e-con e-child\" data-id=\"2e25523\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-da46449 e-con-full e-flex e-con e-child\" data-id=\"da46449\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d875f85 elementor-widget elementor-widget-heading\" data-id=\"d875f85\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Ready to grow your business?<\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7a64d0f elementor-align-center elementor-widget elementor-widget-button\" data-id=\"7a64d0f\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"https:\/\/us.swoopfunding.ca\/stage\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Get started<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b2f7e1e e-con-full cta-mobile-fixed elementor-hidden-desktop elementor-hidden-laptop elementor-hidden-tablet e-flex e-con e-parent\" data-id=\"b2f7e1e\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;position&quot;:&quot;fixed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b4be04c elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"b4be04c\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/us.swoopfunding.ca\/stage\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">GET A QUOTE<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Business loans for minorities Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on March 12, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries [&hellip;]<\/p>\n","protected":false},"author":26,"featured_media":0,"parent":19615,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_acf_changed":false,"footnotes":""},"acf":[],"featured_image_urls":{"full":"","thumbnail":"","medium":"","medium_large":"","large":"","1536x1536":"","2048x2048":"","image_blog":"","image_podcast":"","image_banking":"","image_blog_internal":"","image_blog_medium":"","image_single_banking":""},"post_excerpt_stackable":"<p>Business loans for minorities Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on April 30, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. &times; Chris Godfrey Expert financial&hellip;<\/p>\n","category_list":"","author_info":{"name":"Chris Godfrey","url":"https:\/\/swoopfunding.com\/us\/author\/chris-godfrey\/"},"comments_num":"0 comments","featured_image_urls_v2":{"full":"","thumbnail":"","medium":"","medium_large":"","large":"","1536x1536":"","2048x2048":"","image_blog":"","image_podcast":"","image_banking":"","image_blog_internal":"","image_blog_medium":"","image_single_banking":""},"post_excerpt_stackable_v2":"<p>Business loans for minorities Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on April 30, 2024. Next review due October 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance. &times; Chris Godfrey Expert financial&hellip;<\/p>\n","category_list_v2":"","author_info_v2":{"name":"Chris Godfrey","url":"https:\/\/swoopfunding.com\/us\/author\/chris-godfrey\/"},"comments_num_v2":"0 comments","_links":{"self":[{"href":"https:\/\/swoopfunding.com\/us\/wp-json\/wp\/v2\/pages\/27071"}],"collection":[{"href":"https:\/\/swoopfunding.com\/us\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/swoopfunding.com\/us\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/swoopfunding.com\/us\/wp-json\/wp\/v2\/users\/26"}],"replies":[{"embeddable":true,"href":"https:\/\/swoopfunding.com\/us\/wp-json\/wp\/v2\/comments?post=27071"}],"version-history":[{"count":8,"href":"https:\/\/swoopfunding.com\/us\/wp-json\/wp\/v2\/pages\/27071\/revisions"}],"predecessor-version":[{"id":28315,"href":"https:\/\/swoopfunding.com\/us\/wp-json\/wp\/v2\/pages\/27071\/revisions\/28315"}],"up":[{"embeddable":true,"href":"https:\/\/swoopfunding.com\/us\/wp-json\/wp\/v2\/pages\/19615"}],"wp:attachment":[{"href":"https:\/\/swoopfunding.com\/us\/wp-json\/wp\/v2\/media?parent=27071"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}