Lending Programs to Fit You

GNEC offers lending programs to allow business owners who struggle to access capital to apply for and access loans at competitive rates. Our lending programs are funded by various sources offering a wider range of flexible terms tailored to help entrepreneurs grow. See which program best fits your needs.

Please be advised that due to the high volume of loan clients in our portfolio within the cosmetology, transportation, and food industries, we regret to inform you that we are temporarily limiting loan applications for businesses in these categories. We apologize for any inconvenience this may cause and encourage you to explore our technical assistance to support your business.

GNEC DreamMaker Business Loan Services Image - Business owner clothing

DreamMaker Loan

Provide loans that range
between $1k to $30k.

Who is this for?

For micro-entrepreneurs seeking capital. The funds can be used for inventory, equipment purchases, etc. Final decisions are determined by our internal credit committee.

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GNEC Business Builder Business Loan Service - black woman owner

Business Builder Loan

Provide loans that range
over $30K to $100K.

Who is this for?

This loan is usually for seasoned entrepreneurs looking to expand their business. Final decisions are determined by an external credit committee.

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All loans start off from these two programs above. Please apply accordingly.

GNEC Funding Sources:

Click the tools to the right to see which fund best fits your business.

Different Method to Underwriting Loans

As a Community Development Financial Institution, we approach lending differently than traditional financial institutions. We do not just examine and make decisions based on credit scores but specialize in ways to help clients who may have difficulty accessing capital from traditional means. We assist entrepreneurs to grow economically stable businesses by helping them secure access to funds. Additionally, we provide the resources and know-how to close the racial funding gap to help make our clients bankable.

All loans will undergo an underwriting process.

If you have questions, feel free to connect with our team or visit our FAQ.

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A Profile of Our Clients

Over 175
loan clients

since 2012


Minority clients


female clients

Average Loan Size

2020 | $ 14,272

2021 | $ 24,008

2022 | $ 21,627

*2022 projection

In 2022, loans have been made to entrepreneurs with the following income levels:









Entrepreneurs use loans for some of the following purposes:

  • Start-up costs (seed money)
  • Inventory and supplies
  • Equipment purchases
  • Leasehold improvements
  • Working capital
  • Business expansion
  • Advertising and promotions
  • Payroll

GNEC Loan Feedback

Here are some comments from a few businesses who have received loans from GNEC.

Tools to Start Your Financial Journey

Loan Calculator Tool

Figure out your estimated payment the easy way.

fund check, business loan, GNEC

Fund Check Tool

Check and see which loan fund you qualify for.

Technical Programs to Fit You

GNEC offers you resources such as bookkeeping, accounting,
website support and more to help create a sustainable business.

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Success Stories

Jessenia Silverio

Inspired by the notion that food brings everyone to the table, she uses it as an opportunity to serve as a communal historian of Puerto Rico through her business, The Banana leaf.

More Success Stories