At a glance
From its website, read 2 Nov 2026Bridging Virginia Inc is a loan fund based in Richmond, Virginia. Its website describes small-business loans. The business loan rate it states is 0%.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Website | www.bridgingvirginia.com |
|---|---|
| Office (official list) | 1717 East Cary Street, Richmond, VA 23223 |
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 |
|---|---|---|---|
| Small-business loans | Rate: 0% | will administer $10,000- $75,000 loans at 0% to local small businesses along with coaching services | 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.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Loan fund |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 16 Jan 2025 |
| RSSD ID | — (none listed) |
| Address | 1717 East Cary Street, Richmond, VA 23223 Directions (Google Maps) |
| Website | www.bridgingvirginia.com |
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: medium. Loan terms come from a 2025 press release about a Henrico County-funded program; no loan product pages were fetched. 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 | $10,000 – $75,000 | Bridging Virginia will administer $10,000- $75,000 loans at 0% to local small businesses along with coaching services. | source |
Loan sizes
Bridging Virginia will administer $10,000- $75,000 loans at 0% to local small businesses along with coaching services.
source
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
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://www.bridgingvirginia.com/
- https://www.bridgingvirginia.com/resources/loan-fund-for-henrico-based-local-small-businesses
- https://www.bridgingvirginia.com/resources/capital-region-small-business-development-centers-sbdcnbsp-mfp99
- https://www.bridgingvirginia.com/resources/capital-region-small-business-development-centers-sbdcnbsp
- https://www.bridgingvirginia.com/resources/capital-region-small-business-development-centers-sbdcnbsp-xn53y
- https://www.bridgingvirginia.com/resources/capital-region-small-business-development-centers-sbdcnbsp-sww5e
- https://www.bridgingvirginia.com/resources/capital-region-small-business-development-centers-sbdcnbsp-99sxk
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 lend where I live, or where my business is?
Their website does not say which area they serve. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - How long can I take to repay?
No repayment terms are stated on their website. - Can I apply online, or do I need to call or visit?
We found no online application on their website. - Do you offer free coaching or help preparing my application?
CDFI certification requires development services, such as training or advice, alongside lending. - What documents will you need from me, and how long does a decision usually take?
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
Size of the fund (IRS Form 990)
Fiscal year ending Dec 2023| Total assets | $1.1M |
|---|---|
| Total liabilities | $383,623 |
| Net assets | $683,080 |
| Total revenue | $884,884 |
| Notes and loans receivable, net (Part X line 7) | $230,847 |
End-of-year figures from the Form 990 this organisation filed with the IRS for the fiscal year ending December 2023 (tax year 2023; EIN 85-2003331, filed as “BRIDGING VIRGINIA INC”), 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 |
|---|---|---|---|---|
| Dec 2020 (990-EZ) | $111,435 | $2,378 | $10,000 | — |
| Dec 2021 (990-EZ) | $226,378 | $126,378 | $198,500 | — |
| Dec 2022 (990) | $763,558 | $544,694 | $631,808 | $145,773 |
| Dec 2023 (990) | $1.1M | $683,080 | $884,884 | $230,847 |
Total assets grew 857% from Dec 2020 to Dec 2023. 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 |
|---|---|---|
| Total assets, latest IRS Form 990 | $1.1M | Larger than 15% of the 13 other certified loan funds and venture funds in Virginia with a matched Form 990 (median $11.1M). |
| Business loan rate its website stated (2 Nov 2026) | 0.00% | 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 |
|---|---|---|---|
| Form 990 total assets | certified loan and venture funds with a Form 990, in Virginia | 13 | larger than 15% |
“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.
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.
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