At a glance
From its website, read 2 Nov 2026Metro Community Development, Inc. is a loan fund based in Flint, Michigan. Its website describes microloans, personal loans, SBA-backed loans and 1 other loan type. Stated loan amounts run from $1,000 to $250,000. 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 | (810) 767-4622 source |
|---|---|
| Apply online | Page with the application link |
| Website | www.metrocommunitydevelopment.com |
| Office (official list) | 1174 Robert T. Longway Blvd., Flint, MI 48503 |
What their website says about applying
All it takes is your signature, proof of income, a credit report
sourceSubmit an application for a microloan.
sourceReturn all documents and required documentation.
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 |
|---|---|---|---|
| Personal / consumer loans | Rate stated, not as an APR: see their wording | Terms are 12 months at a competitive 6% interest rate. | source |
| Personal / consumer loans | Term: see their wording | Terms are 12 months at a competitive 6% interest rate. | 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
providing personal, collateral-free loans ranging from $1,000 to $2,500.
source - Training or counseling required
Approved applicants must complete our financial empowerment counseling to be eligible.
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 Jun 2020 |
| RSSD ID | — (none listed) |
| Address | 1174 Robert T. Longway Blvd., Flint, MI 48503 Directions (Google Maps) |
| Website | www.metrocommunitydevelopment.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 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 pages do not state a geographic lending area or borrower target groups beyond the Flint-Genesee references, which relate to COVID and homelessness resources. 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 | At Metro Community Development, we offer a microlending option of up to $50,000 to help you develop your business. | source |
| Personal / consumer loans | $1,000 – $2,500 | At Metro Community Development we work directly with individuals to offer peace of mind by providing personal, collateral-free loans ranging from $1,000 to $2,500. | source |
| SBA-backed loans (7(a)/504/Community Advantage) | — | Approved to offer SBA loan products under SBA’s Lender/Certified and Lender/Microloan programs. | source |
| Small-business loans | $50,000 – $250,000 | BizTHRIVE offers market rates of interest loans over $50,000 to $250,000 for businesses 2 years or older. | source |
Loan sizes
providing personal, collateral-free loans ranging from $1,000 to $2,500.
sourcewe offer a microlending option of up to $50,000 to help you develop your business.
sourceBizTHRIVE offers market rates of interest loans over $50,000 to $250,000 for businesses 2 years or older.
source
Range used for the size filter: $1,000 to $250,000
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Apply for a Consumer Loan
source
Pages read (7)
- https://metrocommunitydevelopment.com/
- https://metrocommunitydevelopment.com/personal-services/personal-lending/
- https://metrocommunitydevelopment.com/personal-services/financial-coaching/
- https://metrocommunitydevelopment.com/small-business-services/microlending/
- https://metrocommunitydevelopment.com/small-business-services/small-business/
- https://metrocommunitydevelopment.com/personal-services/financial-empowerment-workshop/
- https://metrocommunitydevelopment.com/product/business-loan-application-payment-fee/
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. - What is the APR, including fees, on your personal loans?
Their website states a rate, but not as an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your microloans and SBA-backed 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. - 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$5.2 million in 7 awards from the U.S. Treasury's CDFI Fund, 2008–2022 (4 programs).
| Round year | Program | Amount |
|---|---|---|
| 2022 | Small Dollar Loan Program | $94,758 |
| 2021 | CDFI Rapid Response Program | $1,050,000 |
| 2018 | CDFI Program, Financial Assistance | $700,000 |
| 2015 | CDFI Program, Financial Assistance | $750,000 |
| 2014 | CDFI Program, Financial Assistance | $1,000,000 |
| 2011 | CDFI Program, Financial Assistance | $1,500,000 |
| 2008 | CDFI Program, Technical Assistance | $100,000 |
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 Jun 2023| Total assets | $17.7M |
|---|---|
| Total liabilities | $8.9M |
| Net assets | $8.8M |
| Total revenue | $4.5M |
| Notes and loans receivable, net (Part X line 7) | $5.6M |
End-of-year figures from the Form 990 this organisation filed with the IRS for the fiscal year ending June 2023 (tax year 2022; EIN 38-3072010, filed as “METRO COMMUNITY DEVELOPMENT 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 |
|---|---|---|---|---|
| Jun 2022 (990) | $15.5M | $8.5M | $4.6M | $4.7M |
| Jun 2023 (990) | $17.7M | $8.8M | $4.5M | $5.6M |
Total assets grew 14% from Jun 2022 to Jun 2023; notes and loans receivable rose 18%. 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 |
|---|---|---|
| SBA approvals, FY2023–24 → FY2025–26 | 3 → 0 | Rank among the 8 certified CDFIs in Michigan with SBA approvals in either period: 5 → 7. |
| 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 | $17.7M | Larger than 75% of the 16 other certified loan funds and venture funds in Michigan with a matched Form 990 (median $6.6M). |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| SBA approvals then vs now | certified CDFIs in Michigan with SBA approvals FY2023–2026 | 7 | rank 5 → 7 of 8 |
| 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 Michigan | 16 | larger than 75% |
“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. SBA 7(a) & 504 FOIA data as of 30 Sep 2026. Form 990 figures: IRS annual extracts (see the Form 990 section).
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 8 SBA-backed approvals for Metro Community Development, Inc. in fiscal years 2020–2026 (October 2019 to September 2026):
- 8 7(a) loans as the lender: $1.7M in total (gross amount approved), median $200,000
By fiscal year: FY2020 2 · FY2021 1 · FY2022 2 · FY2023 2 · FY2024 1 · FY2025 0 · FY2026 0.
By program
- 7(a) Community Advantage (7, 88%)
- 7(a) standard (1, 12%)
How this lender was matched in the SBA files: SBA lender ID 0492375: same name, state and city (SBA lists “Metro Community Development, Inc.”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. Metro Community Development, Inc. may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in Flint and Michigan
- Financial Plus Credit UnionCredit union · Flint, MIAuto / vehicle loans, Commercial real estate loans, Small-dollar / emergency loans, Equipment loans…Verified
- American 1 Credit UnionCredit union · Jackson, MIAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
- Awakon Federal Credit UnionCredit union · Onaway, MIAuto / vehicle loans, Commercial real estate loans, Equipment loans, Home mortgages…Verified
- BlueOx Credit UnionCredit union · Battle Creek, MIAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Equipment loans…Verified
- CASE Credit UnionCredit union · Lansing, MIAuto / vehicle loans, Commercial real estate loans, Equipment loans, Home repair / improvement loans…Verified
- COMMUNITY FIRST FEDERAL CREDIT UNIONCredit union · Lakeview, MIAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
Work at Metro Community Development, Inc.? 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.