At a glance
From its website, read 2 Nov 2026ASSETS Lancaster is a loan fund based in Lancaster, Pennsylvania. Its website describes small-business loans. Stated loan amounts run from $500 to $10,000. Where it lends: Central Pennsylvania: Lancaster, Berks, Dauphin, York and Lebanon counties. Business loan rates stated on its site range from 0% to 8.5%.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Phone | (717) 393-6089 source |
|---|---|
| Website | www.assetsPA.org |
| Office (official list) | 100 South Queen Street Suite 246, Lancaster, PA 17603 |
What their website says about applying
Begin the application process by scheduling a free Discovery Call to chat through your interests and needs.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Microloans | Rate: 0% | The Business Essentials Loan provides $500–$2,500 at 0% interest to help entrepreneurs plan for and cover essential business expenses. | source |
| Small-business loans | Rate: 8.5% | typically provides $2,500 to $10,000 at an 8.5% fixed interest rate and can support expenses such as major equipment purchases | source |
| Small-business loans | Term: 12 mo–3 yr | Currently, terms range from 12 to 36 months. | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Training or counseling required
Small Business Loan borrowers are required to attend a minimum of 9 out of the 12 available workshops for every year the loan is in repayment.
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Loan fund |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 31 May 2017 |
| RSSD ID | — (none listed) |
| Address | 100 South Queen Street Suite 246, Lancaster, PA 17603 Directions (Google Maps) |
| Website | www.assetsPA.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. The 2013 to 2014 PRECAPS microloan posts were excluded because the program's current status is not stated on the pages. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Small-business loans | $2,500 – $10,000 | Small Business Loans range from $2,500 to $10,000, depending on the financial capability of the individual and their business standing. | source |
Loan sizes
Small Business Loans range from $2,500 to $10,000, depending on the financial capability of the individual and their business standing.
sourceThe Business Essentials Loan provides $500–$2,500 at 0% interest to help entrepreneurs plan for and cover essential business expenses.
sourcetypically provides $2,500 to $10,000 at an 8.5% fixed interest rate
source
Range used for the size filter: $500 to $10,000
Service area
Central Pennsylvania: Lancaster, Berks, Dauphin, York and Lebanon counties
ASSETS offers small business financing for entrepreneurs across Central Pennsylvania, including Lancaster, Berks, Dauphin, York and Lebanon counties.
source
Counties this matches: Berks County, PA, Dauphin County, PA, Lancaster County, PA, Lebanon County, PA, York County, PA
Borrower focus
- Startups
Established small business owners, or start-up businesses who have participated in ASSETS’ Business Start-up Idea Incubator.
source
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Pages read (7)
- https://assetspa.org/
- https://assetspa.org/new-loan-program-for-lancaster-area-small-businesses/
- https://assetspa.org/assets-microloan-program-launches/
- https://assetspa.org/assets-lancaster-program-offers-small-loans-credit-repairs-and-business-advice/
- https://assetspa.org/community-lending/small-business-loan/
- https://assetspa.org/community-lending/business-essentials-loan/
- https://assetspa.org/business-loans-vs-grants-whats-the-difference/
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - Can I apply online, or do I need to call or visit?
We found no online application on their website. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$1.7 million in 6 awards from the U.S. Treasury's CDFI Fund, 2015–2024 (5 programs).
| Round year | Program | Amount |
|---|---|---|
| 2024 | Small Dollar Loan Program | $114,967 |
| 2022 | CDFI Equitable Recovery Program | $500,000 |
| 2021 | CDFI Rapid Response Program | $200,000 |
| 2018 | CDFI Program, Financial Assistance | $428,000 |
| 2017 | CDFI Program, Financial Assistance | $350,000 |
| 2015 | CDFI Program, Technical Assistance | $124,965 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Size of the fund (IRS Form 990)
Fiscal year ending Jun 2023| Total assets | $1.6M |
|---|---|
| Total liabilities | $830,304 |
| Net assets | $746,439 |
| Total revenue | $973,060 |
| Notes and loans receivable, net (Part X line 7) | $99,070 |
End-of-year figures from the Form 990 this organisation filed with the IRS for the fiscal year ending June 2023 (tax year 2022; EIN 23-2827808, filed as “ASSETS LANCASTER”), taken from the IRS Annual Extract of Tax-Exempt Organization Financial Data (returns processed in 2024). Figures are self-reported to the IRS, not audited by us, and lag one to two years behind today. The lender’s own annual report may show newer numbers. This organisation’s filings on ProPublica Nonprofit Explorer
Filings over time
| Fiscal year ending | Total assets | Net assets | Revenue | Notes and loans receivable |
|---|---|---|---|---|
| Jun 2021 (990) | $1.8M | $1.1M | $2.8M | $53,077 |
| Jun 2022 (990) | $1.4M | $1.2M | $1.5M | $40,504 |
| Jun 2023 (990) | $1.6M | $746,439 | $973,060 | $99,070 |
Total assets fell 10% from Jun 2021 to Jun 2023; notes and loans receivable rose 87%. One row per fiscal year in the IRS extracts of returns processed in 2022, 2023, 2024; “—” = the line was empty or zero on that return (a fund can book its loans on other lines).
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Largest loan its website states | $10,000 | Other loan funds whose website states a maximum: median $275,000. Higher than the stated maximum of 1% of these 184. |
| Total assets, latest IRS Form 990 | $1.6M | Larger than 0% of the 24 other certified loan funds and venture funds in Pennsylvania with a matched Form 990 (median $8.7M). |
| Business loan rate its website stated (2 Nov 2026) | 0.00% to 8.50% | Prime rate that day: 7.00% (FRED DPRIME), so the lowest stated rate is 7 pts below prime. For an SBA 7(a) variable-rate loan the legal maximum is prime plus 3 to 6.5 points, by loan size. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Largest stated loan | other loan funds stating a maximum, nationwide | 184 | higher than 1% |
| Form 990 total assets | certified loan and venture funds with a Form 990, in Pennsylvania | 24 | larger than 0% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
Same loan type, nearby, lower stated rate
Certified CDFIs whose head office is within 50 miles of this one and whose own website states a starting rate at least 0.5 points lower for the same loan type. Consumer loans count only where both lenders state an APR. A starting rate is not an offer: ask each lender what you would pay, and check that it lends where you are (credit unions also require membership).
- Small-business loans (this lender states from 8.50%): Neighborhood Impact Investment Fund, Inc. from 5.00% (49 mi, read 2 Nov 2026)
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. Form 990 figures: IRS annual extracts (see the Form 990 section). Prime rate: FRED DPRIME. Stated rates: each lender's own website, read on the date shown.
Other certified CDFIs in Lancaster and Pennsylvania
- Community First Fund dba FinantaLoan fund · Lancaster, PACommercial real estate loans, Credit-builder loans, Affordable housing development loans, Microloans…Verified
- TENFOLD COMMUNITY LENDINGLoan fund · Lancaster, PAVerified
- Asian BankBank or thrift · Philadelphia, PACommercial real estate loans, Home mortgages, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- Asian Finanical CorporationBank holding company · Philadelphia, PACommercial real estate loans, Home mortgages, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- BEECH CAPITAL VENTURE CORPORATIONLoan fund · Philadelphia, PASmall-business loansVerified
- East End Food Coop FCUCredit union · Pittsburgh, PAAuto / vehicle loans, Credit-builder loans, Small-dollar / emergency loans, Energy / solar / efficiency loans…Verified
Work at ASSETS Lancaster? Link to this page
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CDFI Atlas is not a lender and does not give financial advice. Inclusion is not an endorsement, and lenders have not reviewed or approved these pages. Disclaimer.