At a glance
From its website, read 2 Nov 2026JARI Growth Fund, Inc. is a loan fund based in Johnstown, Pennsylvania. Its website describes microloans and small-business loans. Stated loan amounts run from $1,500 to $100,000. 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
| Main | (814) 535-8675 source |
|---|---|
| Apply online | Page with the application link |
| Website | www.jarigrowthfund.com |
| Office (official list) | 245 Market Street, Suite 200, Johnstown, PA 15901 |
What their website says about applying
Fill out our financing application to find out if you are eligible for our loan program!
sourceBusiness Plan or Narrative
source3 year personal tax returns for all owners/guarantors
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 |
|---|---|---|---|
| Loans (general) | Rate stated, not as an APR: see their wording | All of our loans will be in the range of 5.00 – 7.75%. | source |
| Loans (general) | Term: see their wording | funds can be borrowed for a maximum of 6 years (72 months). | 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
including those from traditionally under-served groups and clients with barriers (such as low-credit or criminal backgrounds)
source - Business plan required
Business Plan or Narrative
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) | 24 Apr 2017 |
| RSSD ID | — (none listed) |
| Address | 245 Market Street, Suite 200, Johnstown, PA 15901 Directions (Google Maps) |
| Website | www.jarigrowthfund.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 4 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 Startup Alleghenies Microloan Fund appears only in a news item on the home page, so it was not listed as a product. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Microloans | up to $50,000 | As a U.S. Small Business Administration-approved microlender, JARI’s Microloan Program provides loans up to $50,000 for equipment, inventory, working capital, and more. | source |
| Small-business loans | $1,500 – $100,000 | Loans can range in size from $1,500 to $100,000 with no equity requirement. | source |
Loan sizes
As a U.S. Small Business Administration-approved microlender, JARI’s Microloan Program provides loans up to $50,000 for equipment, inventory, working capital, and more.
sourceeach of them with a cap of $50,000. Depending on the specifics of your project, we can finance up to a maximum of $100,000 by combining our loan funds.
sourceLoans can range in size from $1,500 to $100,000 with no equity requirement.
source
Range used for the size filter: $1,500 to $100,000
Service area
Not stated on the pages we read.
Borrower focus
- Low- and moderate-income / underserved
JGF will accomplish its mission in part by providing loans to low-to-moderate-income individuals, minorities, woman-owned entities, and people with disabilities throughout the Southern Alleghenies Region
source - Minority / BIPOC
JGF will accomplish its mission in part by providing loans to low-to-moderate-income individuals, minorities, woman-owned entities, and people with disabilities throughout the Southern Alleghenies Region
source - Women
JGF will accomplish its mission in part by providing loans to low-to-moderate-income individuals, minorities, woman-owned entities, and people with disabilities throughout the Southern Alleghenies Region
source
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Fill out our financing application to find out if you are eligible for our loan program!
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.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - 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$1.4 million in 5 awards from the U.S. Treasury's CDFI Fund, 2018–2022 (CDFI Program, Financial Assistance; CDFI Program, Technical Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2022 | CDFI Program, Technical Assistance | $125,000 |
| 2021 | CDFI Program, Financial Assistance | $225,000 |
| 2021 | CDFI Rapid Response Program | $775,000 |
| 2019 | CDFI Program, Financial Assistance | $125,000 |
| 2018 | CDFI Program, Financial 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 | $3.6M |
|---|---|
| Total liabilities | $1.2M |
| Net assets | $2.5M |
| Total revenue | $1.5M |
| Notes and loans receivable, net (Part X line 7) | $2.2M |
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 81-2565745, filed as “JARI GROWTH FUND 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) | $2.3M | $566,820 | $538,719 | $954,788 |
| Dec 2022 (990) | $2.6M | $1.3M | $932,151 | $1.3M |
| Dec 2023 (990) | $3.6M | $2.5M | $1.5M | $2.2M |
Total assets grew 59% from Dec 2021 to Dec 2023; notes and loans receivable rose 131%. 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 | $100,000 | Other loan funds whose website states a maximum: median $275,000. Higher than the stated maximum of 18% of these 184. |
| Total assets, latest IRS Form 990 | $3.6M | Larger than 17% 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 18% |
| Form 990 total assets | certified loan and venture funds with a Form 990, in Pennsylvania | 24 | larger than 17% |
“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 Johnstown and Pennsylvania
- ASSETS LancasterLoan fund · Lancaster, PASmall-business loansVerified
- 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
- Community First Fund dba FinantaLoan fund · Lancaster, PACommercial real estate loans, Credit-builder loans, Affordable housing development loans, Microloans…Verified
- East End Food Coop FCUCredit union · Pittsburgh, PAAuto / vehicle loans, Credit-builder loans, Small-dollar / emergency loans, Energy / solar / efficiency loans…Verified
Work at JARI Growth Fund, Inc.? Link to this page
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