Small Business Lending
ePlus Lending supports small business owners and entrepreneurs like you with affordable financing.
We Provide Access To
Microloan Program
$5,000 – $50,000
Loans for Women-owned businesses
Recognizes the importance of women-owned businesses to their local communities. Women-owned businesses have more than doubled in the last twenty years. We have the resources and connections to help you grow.
Loans for veteran-owned businesses
Dedicated financing that empowers veteran entrepreneurs to start, grow, and strengthen their business.
Loans for rural businesses
Flexible financing that helps rural businesses start, grow, and create lasting economic opportunities in their communities.
Loans for daycare businesses
Get the funding you need to start, grow, or enhance your daycare business. Financing can help cover facility improvements, equipment and supplies, licensing requirements, staffing, working capital, and other expenses that support quality childcare services.
Microloan
Loan Details
- From $5,000 to $50,000 term loans for startup or existing businesses.
- 9% fixed, simple interest.
- No prepayment penalties and no application fee.
- Terms from 12 – 60 months.
- NO UPFRONT EXPENSES: Closing costs financed into the loan:
- Loan Origination Fee – 2% (and other third party fees may apply).
- Start-up loans – up to 75% of start-up budget.
- Estimated processing time:
- Start-up – up to 60 days.
- Existing – up to 30 days.
Eligibility Requirements
Start-up Loan
- Business plan (that includes business description, management plan, marketing plan, products, and 3-year annual projections).
- Resume – from each individual associated with the business.
- 5 years of management experience in the applicant industry.
How It Works
1. Apply Online
Tell us about your business
2. Talk To a Loan Specialist
We will learn about your goals and needs
3. Submit Documents
We will guide you through what we need
4. Get Funded
Receive a decision and access your funds