At a glance
From its website, read 2 Nov 2026Inclusive Action for the City is a loan fund based in Los Angeles, California. Its website describes small-business loans. Stated loan amounts run from $500 to $250,000. Where it lends: Los Angeles County. Business loan rates stated on its site range from 3% to 8%. 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
| Lending | (323) 604-9765 source |
|---|---|
| semiafund@inclusiveaction.org source | |
| Apply online | Page with the application link |
| Website | www.inclusiveaction.org |
| Office (official list) | 2900 E Cesar E Chavez Ave, Los Angeles, CA 90033 |
What their website says about applying
a Loan Intake Specialist will contact you within two business days.
sourceApply Here [Link to Lenderfit Application]
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 |
|---|---|---|---|
| Small-dollar / emergency loans | Rate stated, not as an APR: see their wording | Interest rate at 6% fixed annually | source |
| Small-business loans | Rate: 3% | 3% interest rate | source |
| Small-business loans | Rate: 5%–8% | Interest rates range 5%-8% fixed annually | source |
| Small-business loans | Term: 12 mo–5 yr | 12 – 60 month loan terms | 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
- Low or damaged credit considered
No minimum credit score.
source - Minimum time in business: 6 months
Small business in operation for at least 6 months
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) | 10 Jun 2020 |
| RSSD ID | — (none listed) |
| Address | 2900 E Cesar E Chavez Ave, Los Angeles, CA 90033 Directions (Google Maps) |
| Website | www.inclusiveaction.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 Tierra loan is offered with LISC LA's ABC Fund, and the Eaton Wildfire Recovery Loan is a small-business variant with a $75,000 maximum. 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 | $500 – $250,000 | Loans range from $500-$250,000 | source |
Loan sizes
Loans range from $500-$250,000
sourceLoans go up to $75,000
source$2,600 – $30,000 loan amount
source
Range used for the size filter: $500 to $250,000
Service area
Los Angeles County
offering low-interest loans to small businesses across Los Angeles County
source
Counties this matches: Los Angeles County, CA
Borrower focus
- Immigrants
unique expertise in serving BIPOC, immigrant, and low-income entrepreneurs
source - Low- and moderate-income / underserved
unique expertise in serving BIPOC, immigrant, and low-income entrepreneurs
source - Minority / BIPOC
unique expertise in serving BIPOC, immigrant, and low-income entrepreneurs
source
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Apply Here [Link to Lenderfit Application]
source
Pages read (7)
- https://inclusiveaction.org/
- https://inclusiveaction.org/small-business-loans/
- https://inclusiveaction.org/tierra-loan-product/
- https://inclusiveaction.org/my-calendar/
- https://inclusiveaction.org/capital-strategy/
- https://inclusiveaction.org/sidewalk-vending-programs/
- https://inclusiveaction.org/business-coaching-workshops/
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 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$1.7 million in 7 awards from the U.S. Treasury's CDFI Fund, 2020–2024 (5 programs).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Financial Assistance | $478,000 |
| 2022 | CDFI Equitable Recovery Program | $500,000 |
| 2022 | CDFI Program, Technical Assistance | $125,000 |
| 2021 | CDFI Rapid Response Program | $236,000 |
| 2021 | CDFI Program, Technical Assistance | $125,000 |
| 2021 | Small Dollar Loan Program | $158,200 |
| 2020 | 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 | $11.8M |
|---|---|
| Total liabilities | $3.1M |
| Net assets | $8.6M |
| Total revenue | $8.7M |
| Notes and loans receivable, net (Part X line 7) | $1.4M |
| Program-related investments (Part X line 13) | $351,117 |
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 27-0584116, filed as “INCLUSIVE ACTION FOR THE CITY”), 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) | $6.8M | $5.2M | $6.8M | $878,924 |
| Dec 2022 (990) | $10.6M | $5.7M | $5M | $1.4M |
| Dec 2023 (990) | $11.8M | $8.6M | $8.7M | $1.4M |
Total assets grew 72% from Dec 2021 to Dec 2023; notes and loans receivable rose 56%. 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 | $250,000 | Other loan funds whose website states a maximum: median $275,000. Higher than the stated maximum of 38% of these 184. |
| Total assets, latest IRS Form 990 | $11.8M | Larger than 34% of the 47 other certified loan funds and venture funds in California with a matched Form 990 (median $18.6M). |
| Business loan rate its website stated (2 Nov 2026) | 3.00% to 8.00% | Prime rate that day: 7.00% (FRED DPRIME), so the lowest stated rate is 4 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 38% |
| Form 990 total assets | certified loan and venture funds with a Form 990, in California | 47 | larger than 34% |
“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.
Other certified CDFIs in Los Angeles and California
- B.S.D. Capital, Inc. dba LendistryLoan fund · Los Angeles, CACommercial real estate loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- Episcopal Community Federal Credit UnionCredit union · Los Angeles, CAAuto / vehicle loans, Small-dollar / emergency loans, Nonprofit / community facility loans, Personal / consumer loans…Verified
- Genesis LA Economic Growth CorporationLoan fund · Los Angeles, CAOfficial list only
- NHS Neighborhood Lending ServicesLoan fund · Los Angeles, CAOfficial list only
- PACE Finance CorporationLoan fund · Los Angeles, CAMicroloans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- Pacific Coast Regional, Small Business Development CorporationLoan fund · Los Angeles, CAMicroloans, Small-business loansVerified
- Sustainable Communities FundLoan fund · Los Angeles, CAOfficial list only
- USC Credit UnionCredit union · Los Angeles, CAAuto / vehicle loans, Energy / solar / efficiency loans, Home mortgages, Personal / consumer loansVerified
Work at Inclusive Action for the City? 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.