At a glance
From its website, read 2 Nov 2026Economic Opportunities Fund is a loan fund based in Philadelphia, Pennsylvania. Its website describes commercial real estate loans, credit-builder loans and small-business loans. Stated loan amounts run from $150 to $350,000. Where it lends: Philadelphia, Bucks, Chester, Delaware and Montgomery Counties PA; Camden County NJ; New Castle County DE. It says it considers borrowers with low or no credit history. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| info@worc-pa.com source | |
| Apply online | Page with the application link |
| Website | worc-pa.com |
| Office (official list) | 2010 Chestnut Street, Philadelphia, PA 19103 |
What their website says about applying
Meet with one of our local loan officers to begin your journey in applying for a real estate loan for your business.
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.
Who qualifies, in their words
- Minimum credit score: 550
A credit score of 550+ is required
source - Low or damaged credit considered
Credit challenges considered; credit-building support available
source - Collateral flexible or not always required
No collateral required for most loans
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) | 12 Jul 2025 |
| RSSD ID | — (none listed) |
| Address | 2010 Chestnut Street, Philadelphia, PA 19103 Directions (Google Maps) |
| Website | worc-pa.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 5 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 'Microloans' heading on the loans page is not tied to a specific product, so no microloan product was listed. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Commercial real estate loans | up to $350,000 | Up to $350,000 | source |
| Credit-builder loans | — | Credit Builder Loan | source |
| Small-business loans | — | Small Business Loan | source |
Loan sizes
Range used for the size filter: $150 to $350,000
Service area
Philadelphia, Bucks, Chester, Delaware and Montgomery Counties PA; Camden County NJ; New Castle County DE
Serving businesses in Philadelphia, Bucks, Chester, Delaware, and Montgomery Counties in Pennsylvania, plus Camden County in New Jersey and New Castle County in Delaware
source
Counties this matches: New Castle County, DE, Camden County, NJ, Bucks County, PA, Chester County, PA, Delaware County, PA, Montgomery County, PA, Philadelphia County, PA
Borrower focus
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Start Your Loan Application
source
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.
- What is the APR, including fees, on your credit-builder loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your commercial real estate loans and small-business loans?
Their website does not state a rate for this. - How long can I take to repay?
No repayment terms are stated 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?
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$4.3 million in 9 awards from the U.S. Treasury's CDFI Fund, 2009–2021 (CDFI Program, Financial Assistance; CDFI Program, Technical Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2021 | CDFI Rapid Response Program | $1,162,000 |
| 2020 | CDFI Program, Financial Assistance | $593,000 |
| 2019 | CDFI Program, Financial Assistance | $450,000 |
| 2018 | CDFI Program, Technical Assistance | $124,636 |
| 2017 | CDFI Program, Financial Assistance | $321,000 |
| 2016 | CDFI Program, Financial Assistance | $350,000 |
| 2015 | CDFI Program, Technical Assistance | $125,000 |
| 2013 | CDFI Program, Financial Assistance | $600,000 |
| 2009 | CDFI Program, Financial Assistance | $600,000 |
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 Sep 2023| Total assets | $3.6M |
|---|---|
| Total liabilities | $282,853 |
| Net assets | $3.4M |
| Total revenue | $1.1M |
| Notes and loans receivable, net (Part X line 7) | $1.3M |
End-of-year figures from the Form 990 this organisation filed with the IRS for the fiscal year ending September 2023 (tax year 2022; EIN 23-2998893, filed as “ECONOMIC OPPORTUNITIES FUND”), 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 |
|---|---|---|---|---|
| Sep 2021 (990) | $3.9M | $3.3M | $1.4M | $998,020 |
| Sep 2022 (990) | $3.2M | $3M | $308,534 | $746,018 |
| Sep 2023 (990) | $3.6M | $3.4M | $1.1M | $1.3M |
Total assets fell 7% from Sep 2021 to Sep 2023; notes and loans receivable rose 27%. 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 | $350,000 | Other loan funds whose website states a maximum: median $250,000. Higher than the stated maximum of 53% of these 184. |
| Total assets, latest IRS Form 990 | $3.6M | Larger than 21% of the 24 other certified loan funds and venture funds in Pennsylvania with a matched Form 990 (median $8.7M). |
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 53% |
| Form 990 total assets | certified loan and venture funds with a Form 990, in Pennsylvania | 24 | larger than 21% |
“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. Peer groups and sources: methodology. Form 990 figures: IRS annual extracts (see the Form 990 section).
Other certified CDFIs in Philadelphia and Pennsylvania
- 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
- Enterprise Center Capital Corporation, TheLoan fund · Philadelphia, PAOfficial list only
- Entrepreneur Works FundLoan fund · Philadelphia, PAOfficial list only
- Impact Loan Fund, Inc.Loan fund · Philadelphia, PAOfficial list only
- North Philadelphia Financial PartnershipLoan fund · Philadelphia, PACommercial real estate loans, Credit-builder loans, Microloans, Personal / consumer loans…Verified
- Philadelphia Accelerator FundLoan fund · Philadelphia, PAAffordable housing development loansVerified
Work at Economic Opportunities Fund? Link to this page
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