Up to $20,000
Nano Loan
Powered by Access Plus Capital, fast flexible capital for growing businesses.
About This Loan
Offered in partnership with Access Plus Capital, a certified CDFI. Underwriting looks at cash flow, transaction history, and overall business performance rather than relying strictly on credit scores or collateral - so owners who are shut out of conventional lending still get a real review. Two tiers are available: Nano Loan Express for businesses already operating, and Nano Quick Start for true start-ups. Eligible use of funds: working capital.
Loan Terms
Max Amount$20,000
Target BorrowerFast capital for growing businesses
CoachingRecommended
Interest Rate12% fixed
Eligible Use of FundsWorking capital
PartnerAccess Plus Capital (CDFI)
Requirements
- Two forms of ID will be required
- EIN required for all businesses
- Completed online credit application
- Government-issued photo ID (front & back)
- Bank statements (2 months)
- Tax return - business or personal, depending on tier
- Start-ups: lean business plan + 1-year projections
- Additional documents will be requested for upload once your pre-application is accepted
Nano Loan Express
$5,000 – $20,000Existing businesses (1+ years in operation)
Term36 – 48 months
Interest Rate12% fixed
Credit ScoreFICO 550+
Turnaround~2 business days to approval
Fees3% origination + $250 documentation
Requirements
- Completed online credit application
- Government-issued photo ID (front & back)
- 2 months of business bank statements
- Most recent business tax return
- Interim financials if 4+ months since last tax filing
Nano Quick Start
$5,000 – $10,000True start-ups (under 1 year in operation)
TermUp to 3 years
Interest Rate12% fixed
Credit ScoreNo current derogatory items
Turnaround30 days or less
Requirements
- Completed online credit application
- Government-issued photo ID (front & back)
- Most recent personal tax return
- 2 months of bank statements (if available)
- Lean business plan + 1-year financial projections