At a glance
From its website, read 29 Oct 2026Greater Cincinnati Microenterprise Initiative, Inc. is a loan fund based in Cincinnati, Ohio. Its website describes microloans. Stated loan amounts run from $1,000 to $35,000. Where it lends: Greater Cincinnati region.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (513) 924-2008 source |
|---|---|
| Website | www.gcmi.org |
| Office (official list) | 1740 Langdon Farm Road Suite 378, Cincinnati, OH 45237 |
What their website says about applying
Pick the person closest to what you need and you will skip a hand off. If you are not sure, start anywhere and we will route you.
sourceAbout 20 minutes. We confirm where your business is and what you are trying to accomplish.
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.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Loan fund |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 25 Oct 2013 |
| RSSD ID | — (none listed) |
| Address | 1740 Langdon Farm Road Suite 378, Cincinnati, OH 45237 Directions (Google Maps) |
| Website | www.gcmi.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 29 Oct 2026Read from 6 pages of the lender's website on 29 Oct 2026. Quotes are verbatim. Reviewed by a person (Oct 2026). Items added later were extracted with AI help and checked automatically against the pages listed below. Confidence: high. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Microloans | — | Access to Capital Capital readiness, loan packaging, and microloans from $1,000 to $35,000. Every GCMI loan is paired with coaching, because capital without support is just debt. | source |
Loan sizes
microloans from $1,000 to $35,000.
sourceCapital readiness, loan packaging, and microloans from $1,000 to $35,000. Every GCMI loan is paired with coaching, because capital without support is just debt.
source
Range used for the size filter: $1,000 to $35,000
Service area
Greater Cincinnati region
A certified CDFI serving low to moderate income entrepreneurs across the Greater Cincinnati region since 1998.
source
Borrower focus
- Low- and moderate-income / underserved
The Greater Cincinnati Microenterprise Initiative is a certified Community Development Financial Institution serving low to moderate income individuals and underserved communities across Greater Cincinnati.
source
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Questions to ask when you contact them
Based on what their website said when we read it on 29 Oct 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- What interest rate and fees should I expect on your microloans?
Their website does not state a rate for this. - 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?
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$325,000 in 2 awards from the U.S. Treasury's CDFI Fund, 2021 (CDFI Program, Technical Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2021 | CDFI Rapid Response Program | $200,000 |
| 2021 | CDFI Program, Technical Assistance | $125,000 |
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 Dec 2023| Total assets | $1.1M |
|---|---|
| Total liabilities | $56,538 |
| Net assets | $1.1M |
| Total revenue | $677,149 |
| Notes and loans receivable, net (Part X line 7) | $148,603 |
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 31-1595820, filed as “GREATER CINCINNATI MICROENTERPRISE INITIATIVE INCORPORATED”), 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 2021 (990) | $862,689 | $772,123 | $1.2M | $183,237 |
| Dec 2022 (990) | $1.1M | $949,464 | $660,202 | $175,497 |
| Dec 2023 (990) | $1.1M | $1.1M | $677,149 | $148,603 |
Total assets grew 29% from Dec 2021 to Dec 2023; notes and loans receivable fell 19%. 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 | $35,000 | Other loan funds whose website states a maximum: median $275,000. Higher than the stated maximum of 7% of these 184. |
| Total assets, latest IRS Form 990 | $1.1M | Larger than 0% of the 13 other certified loan funds and venture funds in Ohio with a matched Form 990 (median $44.6M). |
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 7% |
| Form 990 total assets | certified loan and venture funds with a Form 990, in Ohio | 13 | 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.
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 Cincinnati and Ohio
- Cincinnati Development Fund, Inc.Loan fund · Cincinnati, OHCommercial real estate loans, Affordable housing development loans, Nonprofit / community facility loansVerified
- Appalachian Growth Capital, LLCLoan fund · Logan, OHCommercial real estate loans, Equipment loans, Small-business loansVerified
- Buckeye State Credit Union, INC.Credit union · Akron, OHAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
- Canton School Employees Federal Credit UnionCredit union · Canton, OHAuto / vehicle loans, Equipment loans, Home mortgages, Personal / consumer loansVerified
- Cardinal Credit UnionCredit union · Mentor, OHAuto / vehicle loans, Commercial real estate loans, Equipment loans, Microloans…Verified
- Cleveland Development Advisors Community Reinvestment Fund, Inc.Loan fund · Cleveland, OHCommercial real estate loansVerified
Work at Greater Cincinnati Microenterprise Initiative, Inc.? Link to this page
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