Capital for Community Growth
Flexible funding for local businesses, nonprofits, and projects that build community power.
The McFadden Finch Foundation offers accessible, mission-aligned lending to help
historically excluded entrepreneurs, neighborhood leaders, and organizations access the capital they need to grow.
We believe economic equity begins with access—access to credit, opportunities, and
the resources necessary to thrive. That’s why our lending is designed for the unique
needs of small businesses, community organizations, and social enterprises in Oakland and the broader Bay Area.
We don’t just provide loans. We invest in people.
Who We Lend To
We support borrowers who are:
- BIPOC- and women-led businesses
- Community-based nonprofits
- Early-stage social enterprises
- Local real estate developers focused on affordable housing or community- serving spaces
- Cooperatives and worker-owned businesses
You don’t need perfect credit or a polished pitch deck—just a solid plan and a commitment to community.
Types of Lending We Offer
Small Business Loans
For entrepreneurs and local businesses looking to grow in place.
- Loan amounts: $10,000–$100,000
- Uses: Equipment, working capital, storefront improvements, inventory, staffing
- Terms: Flexible repayment, technical assistance included
Community Facility Loans
For nonprofit and cultural organizations investing in physical space.
- Loan amounts: $25,000–$250,000
- Uses: Building acquisition, renovations, build-outs, leasehold improvements
- Terms: Competitive rates, patient capital options
Pre-Development & Bridge Loans
For community development projects waiting on grants or larger funding.
- Loan amounts: $25,000–$500,000
- Uses: Planning, design, environmental studies, holding costs
- Terms: Short-term, low-barrier capital with fast approvals
What Makes Our Lending Different
- Community-First Underwriting: We look at potential, not just credit scores.
- Wraparound Support: Borrowers get coaching, business planning, and access to networks.
- Mission-Aligned Terms: We build flexibility into repayment because we understand the ups and downs.
- Local Focus: We prioritize lending in Oakland and the broader Bay Area, especially in underserved neighborhoods.
How to Apply
- Submit an Interest For
Let us know what you’re working on and what kind of support you need. Consultation Call
We’ll discuss your goals, timeline, and any potential barriers.Application Review
If aligned, we’ll invite you to submit a complete application with financials and project details.Decision & Disbursement
Decisions are made monthly. We move quickly to get capital where it’s needed.
Are You Ready?
We’re here to finance more than projects—we’re here to back people building stronger, more inclusive neighborhoods. If you’ve got a vision for change, we want to help you fund it. Questions? Call at (510) 738-0447 to speak with our Lending Support Team