At a glance
From its website, read 2 Nov 2026Hmong Wisconsin Chamber of Commerce is a loan fund based in Milwaukee, Wisconsin. Its website describes commercial real estate loans, small-dollar emergency loans and small-business loans. Stated loan amounts run from $1,000 to $300,000. Where it lends: Wisconsin businesses only for the RLF loan program. 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
| Apply online | Page with the application link |
|---|---|
| Website | hmongchamber.org |
| Office (official list) | 5423 N. 118th Ct, Milwaukee, WI 53225 |
What their website says about applying
Start the application process by filling out the online business form below.
sourceOnce the form is submitted, a HWCC staff will contact you to discuss your business and loan amount and have you fill out the rest of the application
sourceAfter submitting your application, it will go to an underwriting review. If any other documents are needed, we’ll reach out to you.
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 |
|---|---|---|---|
| Commercial real estate loans | Term: up to 5 yr | Term- Up to 5 Years Max, 15-year amortization max with annual reviews | source |
| Small-business loans | Term: up to 12 mo | Term- 1 Year max, fully amortized | source |
| Small-business loans | Term: up to 2 yr | Term- Up to 2 Year max, fully amortized | source |
| Small-business loans | Term: up to 4 yr | Term- Up to 4 years maximum, 8 years amortization maximum, with annual reviews | 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
- Collateral flexible or not always required
Typically unsecured loan with an option to take GBSA/lien on asset (equipment loan)
source - Collateral required
Secured loan – GBSA (can use 1st/2nd mortgage lien as an abundance of caution)
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) | 29 Sep 2014 |
| RSSD ID | — (none listed) |
| Address | 5423 N. 118th Ct, Milwaukee, WI 53225 Directions (Google Maps) |
| Website | hmongchamber.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. Kiva loans are disbursed by Kiva, with HWCC acting as a trustee and matching lender. 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 | — | The Revolving Loan Fund (RLF) Real Estate Secure Small Loan, provides capital for business start-ups that include real estate and real estate expansions, required to be secured by mortgage real estate. | source |
| Small-dollar / emergency loans | $1,000 – $4,999 | Dollar amount of $1,000.00-$4,999.99 | source |
| Small-business loans | $1,000 – $300,000 | HWCC helps small businesses grow with business loans, providing funds from $1,000 to $300,000. | source |
Loan sizes
HWCC helps small businesses grow with business loans, providing funds from $1,000 to $300,000.
sourceDollar amount of $1,000.00-$4,999.99
sourceDollar amount of $35,000.00-$150,000.00
source
Range used for the size filter: $1,000 to $300,000
Service area
Wisconsin businesses only for the RLF loan program
Only businesses in the State of Wisconsin are eligible for the RLF program.
source
Borrower focus
- Low- and moderate-income / underserved
financial resources and business consultation to business and community development activities that improve economic opportunities in both Asian and Non-Asian low-income and underserved communities.
source - Minority / BIPOC
HWCC serves everyone with a special focus on underserved minority communities like the Hmong and Asian communities in the State of Wisconsin.
source
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Start the application process by filling out the online business form below.
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 small-dollar emergency 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. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - 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$615,500 in 4 awards from the U.S. Treasury's CDFI Fund, 2012–2019 (CDFI Program, Financial Assistance; CDFI Program, Technical Assistance).
| Round year | Program | Amount |
|---|---|---|
| 2019 | CDFI Program, Financial Assistance | $275,000 |
| 2018 | CDFI Program, Technical Assistance | $125,000 |
| 2015 | CDFI Program, Technical Assistance | $125,000 |
| 2012 | CDFI Program, Technical Assistance | $90,500 |
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 | $4.6M |
|---|---|
| Total liabilities | $1.5M |
| Net assets | $3.1M |
| Total revenue | $2.6M |
| Notes and loans receivable, net (Part X line 7) | $1.8M |
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 39-2013787, filed as “HMONG WISCONSIN CHAMBER OF COMMERCE 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 2021 (990) | $1.8M | $1.4M | $600,860 | $890,196 |
| Dec 2022 (990) | $3.6M | $3.1M | $2.4M | $957,181 |
| Dec 2023 (990) | $4.6M | $3.1M | $2.6M | $1.8M |
Total assets grew 155% from Dec 2021 to Dec 2023; notes and loans receivable rose 101%. 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 | $300,000 | Other loan funds whose website states a maximum: median $250,000. Higher than the stated maximum of 51% of these 184. |
| Total assets, latest IRS Form 990 | $4.6M | Larger than 18% of the 11 other certified loan funds and venture funds in Wisconsin with a matched Form 990 (median $14M). |
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 51% |
| Form 990 total assets | certified loan and venture funds with a Form 990, in Wisconsin | 11 | larger than 18% |
“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 Milwaukee and Wisconsin
- ACTS LENDING INCLoan fund · Milwaukee, WIOfficial list only
- Brewery Credit UnionCredit union · Milwaukee, WIAuto / vehicle loans, Small-dollar / emergency loans, Home mortgages, Personal / consumer loansVerified
- Holy Redeemer Community Credit Union of SE Wisconsin, IncCredit union · Milwaukee, WIOfficial list only
- Legacy Redevelopment CorporationLoan fund · Milwaukee, WICommercial real estate loans, Affordable housing development loans, Microloans, SBA-backed loans (7(a)/504/Community Advantage)…Verified
- Milwaukee Economic Development CorporationLoan fund · Milwaukee, WICommercial real estate loans, Equipment loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- Northwest Side Community Development CorporationLoan fund · Milwaukee, WISmall-business loansVerified
- Wisconsin Women's Business Initiative CorporationLoan fund · Milwaukee, WIMicroloans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
Work at Hmong Wisconsin Chamber of Commerce? Link to this page
Paste this into your website to show you are listed. If anything here is wrong, tell us first (how).
Something wrong or out of date on this page? Use the contact page or email contact@cdfiatlas.com and name the page.
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.